Search found 3153 matches

by Rob5TCP
Fri Jan 11, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Banff/Lake Louise vacation-suggestions?
Replies: 16
Views: 898

Re: Banff/Lake Louise vacation-suggestions?

There have been a ton of posts on Banff/LL/Jasper. One of them is mine from a couple of years ago. Be aware of fires/smoke (if applicable). That influenced where we went. One of the suggested hikes was Johnston Canyon. Not too difficult for some of the smaller kids; quite scenic with waterfalls. htt...
by Rob5TCP
Sun Jan 06, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Phone concierge service for seniors?
Replies: 17
Views: 1589

Re: Phone concierge service for seniors?

Nomorobo was super effective in the past. They have become somewhat less effective as the scammers now use local #'s and area codes (in many instances spoofing legitimate #'s). Perhaps setting up a list of peaceable phone numbers and perhaps all other numbers are rejected. You can setup her phone se...
by Rob5TCP
Wed Jan 02, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: self employed tax question
Replies: 37
Views: 1159

Re: self employed tax question

Bones_Jones wrote:
Wed Jan 02, 2019 10:20 pm
Rob5TCP wrote:
Wed Jan 02, 2019 10:12 pm
Does Turbo Tax include 12% for your F.W.T.?
what is F W T?
Federal Witholding Tax
by Rob5TCP
Wed Jan 02, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: self employed tax question
Replies: 37
Views: 1159

Re: self employed tax question

Does Turbo Tax include 12% for your F.W.T.?
by Rob5TCP
Tue Jan 01, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 2985

Re: Noise cancelling headphones for plane trips, advice?

The Bose QC35 are on sale for $300
The QC25 have been on sales for as little as $109
though as mentioned they are not Bluetooth (there
is a 3rd party adapter for $50/$60 or so).
by Rob5TCP
Wed Dec 26, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Can't get Quicken 2010 to work on new computer- Help! Alternatives (eg CountAbout), or??
Replies: 32
Views: 1804

Re: Can't get Quicken 2010 to work on new computer- Help! Alternatives (eg CountAbout), or??

I use the sunset version of Microsoft Money - free :) Doesn't download from banks, but I prefer to enter my own transactions. For budgeting - I do my annual budget in excel, then use the Bills section to put it in MS Money. As long as my cash flow for the year is zero, I'm good :) I don't use the b...
by Rob5TCP
Wed Dec 26, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 125
Views: 7456

Re: TIPS yield curve inverted at short end

I just bought a small amount at Vanguard (10K) at a price of $99.48 with a maturity of 1/15/2020.
Is my expected real rate about 1.88% over inflation (based on .52% + 1.35%)?
by Rob5TCP
Mon Dec 24, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 13
Views: 1550

Re: Ibonds

It's been awhile but I believe you can buy and sell without transferring to the external accounts first.
Try it - you should know pretty quickly.
by Rob5TCP
Sun Dec 23, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Boeing-time to buy?
Replies: 26
Views: 2237

Re: Boeing-time to buy?

For active investors, seeking alpha might be a better choice. Though to be fair, I've made a bunch of investments over the years from reading SA and in total it has performed less than the total mkt index. Fortunately only a small % of my investments. The problem, from my end, that it just served a...
by Rob5TCP
Sun Dec 23, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Boeing-time to buy?
Replies: 26
Views: 2237

Re: Boeing-time to buy?

For active investors, seeking alpha might be a better choice. Though to be fair, I've made a bunch of investments over the years from reading SA and in total it has performed less than the total mkt index. Fortunately only a small % of my investments. The problem, from my end, that it just served as...
by Rob5TCP
Tue Dec 18, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1533

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

I've used APC SUA1000 for years. I've found most will go 3-5 years without a battery replacement. One issue I had after 5 years, the battery swelled so much, it could not be removed from the unit without possibly breaking the battery (lead acid -- no thanks). So, I just bought another APC SUA1000 us...
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: 4028

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: 1038

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: 1038

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: 7
Views: 704

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: 877

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: 515

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: 188
Views: 20980

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: 689

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: 798

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: 6447

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: 3627

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: 782

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: 782

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: 15197

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: 1434

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: 940

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: 1970

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: 771

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: 3651

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: 883

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: 1962

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: 2875

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: 677

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: 2875

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: 805

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: 805

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: 6238

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: 2249

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: 2249

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: 8307

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: 8307

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: 4113

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: 6238

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: 6238

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: 6238

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: 3734

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: 1223

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: 804

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...