Search found 3084 matches

by Rob5TCP
Sun Sep 23, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Re: Seattle and (Victoria OR Vancouver) next week.

letsgobobby wrote:
Sun Sep 23, 2018 8:00 pm
Easy Rainier hikes from Seattle are best out of the Northeast entrance. Go to sunrise and hike up to frozen lake and take your pick from there.
We will see about the weather, but I would love a couple of easy hikes on Ranier. Thank you.
by Rob5TCP
Sun Sep 23, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Re: Seattle and (Victoria OR Vancouver) next week.

Traffic is horrendous. I'd rent a car only for the trips out of town, would not keep or attempt to use in town. Uber is your friend. Vancouver is much more diverse and dynamic. Victoria is cutesy and charming. Take your pick. Vancouver is fantastic if you like to eat especially Asian food. Victoria...
by Rob5TCP
Sun Sep 23, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Re: Seattle and (Victoria OR Vancouver) next week.

Walking around downtown Seattle and trying to avoid elevation does not mix. Much of downtown has hills. It is easy to walk hundreds of vertical feet in mere hours and not even realize it. If you are trying to avoid elevation you will need to think about the city in bands along vertical plains and e...
by Rob5TCP
Sun Sep 23, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Re: Seattle and (Victoria OR Vancouver) next week.

I would skip Rainier this time of year and instead go to Bainbridge Island from Seattle and spend night there and/or Port Townsend then take car ferry to Victoria from PT. If weather nice go to Hurricane Ridge en route if not so great go to Dungeness spit. Lots of beautiful scenery, much less traff...
by Rob5TCP
Sun Sep 23, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Credit score impact of high card balance
Replies: 6
Views: 354

Re: Credit score impact of high card balance

My score went from 813 to 768 when my utilization went from the usual 2-5% to 28% (a large software purchase for a client - which was paid to me in two weeks). I paid as soon as the monthly statement, but my score dropped before then. The good news, it went back to 808 about 2 months later. So, unle...
by Rob5TCP
Sat Sep 22, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Re: Seattle and (Victoria OR Vancouver) next week.

I would search on here for good past Seattle threads and tripadvisor. I'd do a coffee and brewery tour based on Yelp reviews. I find big cities fairly underwhelming (Victoria definitely more charming than Vancouver) so if it were me I would spend most of my time at Mt. Rainier or in Canada in the W...
by Rob5TCP
Sat Sep 22, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Re: Seattle and (Victoria OR Vancouver) next week.

FYI - I retitled your thread to add parentheses around (Victoria OR Vancouver). If you work with software, the interpretation would instead be "(Seattle and Victoria) OR Vancouver". :) I don't want to push her beyond a few hundred feet elevation gain IN A DAY. Is this a limitation due to physical f...
by Rob5TCP
Sat Sep 22, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 20
Views: 879

Seattle and (Victoria OR Vancouver) next week.

We are planning 10-12 days in the Pacific NW. Our first stop will be 3-4 days in Seattle. We plan to go to Pike Market, Underground Seattle, tour of the city, and whale watching (if good sightings) and then we will be checking out other points of interest. Then 2-3 days in either Victoria or Vancouv...
by Rob5TCP
Sat Sep 22, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: New Type of Home "Loan"
Replies: 9
Views: 978

Re: New Type of Home "Loan"

Never heard of this before- it seems to be a fairly recent construct. These articles are not exactly favorable to this method of funding. https://www.huffingtonpost.com/entry/shared-appreciation-tapping-home-equity-without-taking_us_5a09f4dbe4b06d8966cf31dc https://www.wsj.com/articles/silicon-valle...
by Rob5TCP
Sun Sep 16, 2018 7:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 219
Views: 56946

Re: New York City Local Chapter established

One topic I would like at the top of the list (we began some discussion) and one I had earlier yesterday with Jordan: Cyber security yes the threat is real -- what can we realistically do to enhance our security (so they go after other people instead) From a few articles read the three main areas se...
by Rob5TCP
Sun Sep 16, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9203

Re: How real is cyber risk?

How real is cyber risk? Well, my day job is as a software developer and I used to hack for fun back in high school and college when I was young and foolish, so here's my take on it... The risk is very real. As I see it, there are three broad categories of threats to be concerned with: System failur...
by Rob5TCP
Sun Sep 16, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9203

Re: How real is cyber risk?

How real is cyber risk? Well, my day job is as a software developer and I used to hack for fun back in high school and college when I was young and foolish, so here's my take on it... The risk is very real. As I see it, there are three broad categories of threats to be concerned with: System failur...
by Rob5TCP
Sun Sep 16, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: [AARP Article re: ID Theft & Dark Web]
Replies: 32
Views: 3855

Re: Dark Web Article

I still have trouble accepting that number 3 is the best way to go. Makes me nervous to have all of my passwords "out there" - and in one place, even if in encrypted form. I am open to being convinced, though. :wink: I use the Password Manager that resides on my computer (not in the clouds) I belie...
by Rob5TCP
Wed Sep 12, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1389

Re: Vacation to San Francisco, Yosemite, Sequoia

If time permits, Big Basin is (IMHO) a much better experience for Redwood trees. It's probably the best unless you go far north of San Francisco. I was there last Thanksgiving and it was wonderful 2 days. It's not as crowded as Muir Woods, plus there is another (though not as spectacular Redwood For...
by Rob5TCP
Wed Sep 12, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1389

Re: Vacation to San Francisco, Yosemite, Sequoia

If time doesn't permit -- go to the Mariposa Grove in Yosemite which has some beautiful
Sequoia trees. It was closed for several years to make it more natural and less commercial.

http://redwoodhikes.com/YosemiteNP/Mariposa.html
by Rob5TCP
Wed Sep 12, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP
Replies: 6
Views: 1017

4% 60 month at Fahey Bank - nationwide BUT heavy EWP

Currently the highest 60 month CD -- available nationwide WITH a checking account relationship.
But ALL interest is forfeited if early withdrawal.

https://www.depositaccounts.com/banks/t ... ny/offers/
by Rob5TCP
Sat Sep 08, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Building a web site-how to, costs?
Replies: 13
Views: 749

Re: Building a web site-how to, costs?

I've designed my own website on Godaddy for about 10 years (no coding -- just drag/drop). Five years ago, I hired a one man operation to revamp my website (cost about 1.5K). Since I am very much a niche product, the website paid for itself within days of setting up (today not nearly so much - but st...
by Rob5TCP
Fri Sep 07, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3978

Re: Recommend a good SOCK. Yes, I said SOCK!

A little more verification for Darn Tough. On Amazon, Fakespot has given Darn Tough an
A (and their 4th highest level of reviews) for honest reviews.

https://www.fakespot.com/company/darn-tough
https://www.fakespot.com/companies

I buy several different socks on sale, but prefer Darn Tough.
by Rob5TCP
Sat Sep 01, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29257

Re: Umbrella insurance..who has it? Is it recommended?

I have it - it's relatively cheap $300 or so for $2 million.
It covers my apt, an apt I own and rent out, and my car.
One reason to have a higher value, if I am sued I want their
higher quality attorneys. If I have $100,000 liability, I feel
they will sent their "bottom line" ones.
by Rob5TCP
Fri Aug 31, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 4995

Re: Will I ever sell Ibonds from 2001 - 3% fixed

I also bought the 3.4% and 3.0% 17-18 years ago. Two people I respect (Andrew Tobias and our own Mel L.) recommended them, so I bought as much as was allowed back then. Never thought I would end up holding them for 30 years - but that will probably be the case. I will sell over 2-3 years - also to m...
by Rob5TCP
Thu Aug 30, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Fund Manager Software
Replies: 14
Views: 811

Re: Fund Manager Software

Ive used MS Money for many years and am quite satisfied with how it handles my
personal finances (tried Quicken but gave up after trying two different versions).
I am going to download the demo and see if it gives me enough added useful info
that it's worth switching from MS Money.
by Rob5TCP
Tue Aug 28, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3978

Re: Recommend a good SOCK. Yes, I said SOCK!

I also vote for Darn Tough. When on sale, I also look at Farm to Feet, Smartwool, and REI socks. Right now there is a sale at REI (up to 40% off on those four brand (shameless plug for REI) at their warehouse online sale. https://www.rei.com/rei-garage/c/mens-socks?r=c&origin=web&queryRule=outlet-on...
by Rob5TCP
Mon Aug 27, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 830
Views: 154006

Re: Boglehead Beer

I don't drink beer often, but when I do
I prefer Samuel Adams.

Stay thirsty my friends.
by Rob5TCP
Sat Aug 25, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Former Kaspersky user, PCMATIC?? or what as a replacement?
Replies: 23
Views: 1447

Re: Former Kaspersky user, PCMATIC?? or what as a replacement?

Malwarebytes is the best secondary defense. They are NOT highly rated on preventing infections, but very well rated on removing infections. I use Norton (more out of long term habit) along with Malwarebytes and HitManPro Alert. I do quick scans every day, full scans with Norton and HItManPro every w...
by Rob5TCP
Fri Aug 24, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Watch out for "COM" online credit card charges
Replies: 15
Views: 2506

Re: Watch out for "COM" online credit card charges

Good tip - there is always something new from the "slimers" out there.
by Rob5TCP
Thu Aug 23, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2648

Re: New York Rental - Lost Deposit due to Real Estate Agent

Are they holding the deposit - or has it already been cashed.
If it is being held you can approach the bank about disputing it (though you would have to put up other funds).
by Rob5TCP
Sun Aug 19, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lending money to Goldman Sachs?
Replies: 6
Views: 1243

Re: Lending money to Goldman Sachs?

A review of this (from a few years ago) You shoulder all the risks. Should, for any reason rates should start to decline; yours will be recalled. If they stay the same or continue to rise; this will act as any other CD (except there is no redemption option, I believe these have to be sold on the sec...
by Rob5TCP
Sat Aug 18, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements on International Investing
Replies: 2
Views: 574

Jonathan Clements on International Investing

Mr. Clements gives a concise answer on international investing. These past few years have been tough and especially this year has been a 13% difference between my international and US. Mr. Clements rather concisely reinforces why we own overseas. He has been a respected reporter/blogger for many yea...
by Rob5TCP
Thu Aug 16, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 50
Views: 5312

Re: Maturing Credit Union 3% CD's this year

I imagine a lot of money came into PenFed for that 3% CD offer. I wonder if they will have a good offer to retain those funds. Otherwise, I'll be transferring back to Fidelity where it came from. BTW, I discovered that my CDs at PenFed were set to auto-roll. You change the setting online to have it...
by Rob5TCP
Wed Aug 15, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: 5% 7 month CD - in Miss. or if connected to any of 300 SEG's
Replies: 0
Views: 393

5% 7 month CD - in Miss. or if connected to any of 300 SEG's

This is 5% with 1K minimum and no maximum
However, you need to be a member of one of 300 SEG's (select employee groups)
or live in certain areas of Miss or Louisiana

I don't qualify

https://www.depositaccounts.com/banks/k ... cu/offers/
by Rob5TCP
Sun Aug 05, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Perfecting Cold Brew Coffee
Replies: 14
Views: 1367

Re: Perfecting Cold Brew Coffee

I use the Coffeesock (bought on Amazon) - a 1/2 gallon jar and re-useable "sock" filter made of cotton. https://www.amazon.com/CoffeeSock-ColdBrew-Reusable-Organic-KIT64/dp/B00L7478JE/ref=sr_1_3?ie=UTF8&qid=1533507459&sr=8-3&keywords=coffee+sock I mix 1/2 pound of decaffeinated Peruvian organic coff...
by Rob5TCP
Sat Aug 04, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 895

Re: Browser security question

Your browser history will show everywhere you have been. It will NOT store your password (unless using a Firefox/Safari password manager). I use a password manager, Keepass, because it has stronger encryption than the browser default password manager. I always exit my browser and delete history afte...
by Rob5TCP
Thu Aug 02, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: online break CD calculator
Replies: 3
Views: 595

Re: online break CD calculator

go_mets wrote:
Thu Aug 02, 2018 4:13 pm
Rob5TCP wrote:
Wed Aug 01, 2018 9:27 pm
what is the EWP (Early withdrawal penalty)

https://www.depositaccounts.com/tools/b ... lator.aspx

Would the calculations also depend on the length of the new CD?
The calculator asks for the length and the penalty of the CD as well as the
rate for the new CD.
by Rob5TCP
Wed Aug 01, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: online break CD calculator
Replies: 3
Views: 595

Re: online break CD calculator

what is the EWP (Early withdrawal penalty)

https://www.depositaccounts.com/tools/b ... lator.aspx
by Rob5TCP
Mon Jul 30, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: 18 month Penalty Free CD 2.6% CT. Stamford, CT area only
Replies: 1
Views: 261

18 month Penalty Free CD 2.6% CT. Stamford, CT area only

I probably don't qualift (CT area only) 18 month 2.6% CD with full penalty free withdrawals after 6 days. Full story here. From Ken Tumin again: https://www.depositaccounts.com/banks/first-county-bank/offers/ Partial withdrawals are prohibited. No withdrawals of any kind are permitted during the fir...
by Rob5TCP
Sun Jul 29, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7930

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

I'm not so much concerned about how much the estimate is off. In fact, someone told me that the estimate when I applied should be pretty close. What I am concerned about is how long after I submit my application I should expect to hear from them. I applied online when I got a note from SS Admin rem...
by Rob5TCP
Sat Jul 28, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 4
Views: 730

Re: Long Term Care Insurance

Your new - so you wouldn't know - there have been dozens if not over 100's posts on this. Here are just some of them that I found. If you search under Bogleheads you can find pages of posts on LTC. PS My insurance guy is also pitching the hybrid. What I want, he says doesn't exist. A waiting period...
by Rob5TCP
Sat Jul 28, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Old Employer Bought Out, New Employer Not Honoring Existing Contract
Replies: 20
Views: 2674

Re: Old Employer Bought Out, New Employer Not Honoring Existing Contract

You could check the terms of the contract to find out if they are binding on the aquiring company. My gut tells me they checked with their lawyers first. If it's not; you options are to discuss and/or leave. Do you want to work for a company that doesn't honor prior commitments. Would you lose pensi...
by Rob5TCP
Sat Jul 28, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 4
Views: 730

Re: Long Term Care Insurance

Your new - so you wouldn't know - there have been dozens if not 100's of posts on this. Here are just some of them that I found. If you search under Bogleheads you can find pages of posts on LTC. PS My insurance guy is also pitching the hybrid. What I want, he says doesn't exist. A waiting period of...
by Rob5TCP
Sat Jul 28, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Barrons: The Top Robo Advisors
Replies: 17
Views: 2018

Re: Barrons: The Top Robo Advisors

Nice to see Vanguard on top of the list; though transparency seems to be a major issue (and that's a biggie).
Robo will become more and more prevalent. Hopefully, along with lower costs.
by Rob5TCP
Fri Jul 27, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Why does VGSLX hold Van R.E. Index II Fund
Replies: 4
Views: 459

Re: Why does VGSLX hold Van R.E. Index II Fund

The only "logical" thought that comes to mind is that they want to increase the assets being held in the Van R.E. II Fund. Since they hold essentially similar REITS, the 10% won't make much of a difference either way. Maybe when II's assets are larger, it will decrease the amount in VGSLX/VNQ. I may...
by Rob5TCP
Thu Jul 26, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Buying a Gold Coin online for future Jewelry
Replies: 25
Views: 1254

Re: Buying a Gold Coin online for future Jewelry

Like others have mentioned I buy from Apmex when they have "specials" on Ebay. Right now 1 ounce Credit Suisse swiss bar is $1,233.00 Certainly better than buying a coin and then melting. First see how much gold you will need to produce the item. I find that after my 2% c.c. the cost is a bit over $...
by Rob5TCP
Thu Jul 26, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Why does VGSLX hold Van R.E. Index II Fund
Replies: 4
Views: 459

Why does VGSLX hold Van R.E. Index II Fund

I do a major check of my holdings twice per year (usually 6/30 and 12/31). I noticed that VGSLX Vanguard Real Estate Index Fund (Admiral) and VNQ their ETF both hold the Vanguard Real Estate II Index Fund as 10% of their holdings. The top 10 holdings of each overlap heavily (though there are slight ...
by Rob5TCP
Tue Jul 24, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: indoor houseplants--your advice?
Replies: 19
Views: 1462

Re: indoor houseplants--your advice?

I started with Bonsais: the first four all died; lack of light and too much watering the next four; 3 died and one survived - one plant light now have four; one 2 1/2 years old and the rest over a year with 3 LED plant light (total wattage about 35 - 14 hours a day in summer and 10 hours per day in ...
by Rob5TCP
Tue Jul 24, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Cheaper alternatives to Broadway shows?
Replies: 25
Views: 927

Re: Cheaper alternatives to Broadway shows?

T.D.F. is Theater Development Fund https://tdf.org/ I used to belong to A.E. which had off and on bway shows for $3 (in previews to have a full house or just before it closed). That was a steal, Mostly I go to TKTS to get same day UP TO 50% tickets (no Hamilton won't be on there). As others said, Of...
by Rob5TCP
Thu Jul 19, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9093

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

A client asked me to review her portfolio a couple of months ago (she knows I am a Boglehead investor and understands what that means). She had about 9% of her portfolio in G.E. When I asked her why so much, she had been buying GE for 30+ years. Long story short, at one point it was over 1/3 of her ...
by Rob5TCP
Thu Jul 19, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2480

Re: What is the most severe hyperbolic discounting you have ever acted on?

When 2-liter bottles of soda go on sale for 77 cents each, I buy every single one in the store and go to other stores in the area to buy all of the ones they have in stock, too. If you don't know what brand and flavor I am talking about, then you haven't been reading this forum long enough. Otherwi...
by Rob5TCP
Wed Jul 18, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10412

Re: Amazon Prime Day 2018

I bought two things that have been on my list for awhile I wanted the Bose Quiet Comfort 25 (non blue tooth) because of it's excellent noise cancelling features. Watched it at $300 then $200 then jumped at $140 last year (but too late). At $125 it was right in the sweet spot. Also needed a 256GB mi...
by Rob5TCP
Wed Jul 18, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10412

Re: Amazon Prime Day 2018

I bought two things that have been on my list for awhile I wanted the Bose Quiet Comfort 25 (non blue tooth) because of it's excellent noise cancelling features. Watched it at $300 then $200 then jumped at $140 last year (but too late). At $125 it was right in the sweet spot. Also needed a 256GB mic...