Search found 3075 matches

by Rob5TCP
Sun Sep 16, 2018 7:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 218
Views: 56785

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: 165
Views: 8224

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: 165
Views: 8224

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: 3821

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: 1376

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: 1376

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: 1008

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: 743

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: 3933

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: 29186

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: 4968

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: 803

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: 3933

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: 153973

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: 1424

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: 2431

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: 2637

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: 1236

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: 573

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: 45
Views: 4782

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: 1366

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: 890

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: 592

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: 592

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: 7925

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: 729

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: 2670

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: 729

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: 2014

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: 1245

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: 1460

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: 926

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: 9089

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: 2478

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: 10400

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: 10400

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...
by Rob5TCP
Thu Jul 12, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard New York Long-Term Tax-Exempt Fund
Replies: 6
Views: 756

Re: Vanguard New York Long-Term Tax-Exempt Fund

While the credit quality is high (70% AA or better) the duration is 6 1/2 years.
If interest rates rise, the value of the fund most probably will go down.
As long as your ok with interest rate risk; this could be a good choice.
by Rob5TCP
Tue Jul 03, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Two WSJ articles on comparing index and actively managed endowments
Replies: 13
Views: 2301

Re: Two WSJ articles on comparing index and actively managed endowments

Even when an active manager beats the averages - was it skill or were they lucky. SOME managers will compare favorable to index funds - the problem is knowing who they are before the results are known - not after. In another 10 years let's see Quinnipiac does.
by Rob5TCP
Sun Jul 01, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6961

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

You got that right! And the strange thing is that it seems the more expensive the hotel is to start with, the more fees they have. Just booked a room in Banff at the Fremont for $450/night because it was the only thing available. But then there was a resort fee, parking fee, and even a fee to use t...
by Rob5TCP
Sat Jun 30, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11608

Re: Feel like I'm sinking money into international

From the chart below -- 1989-2016 US outperformed International for all but 6-7 years. (rolling 3 year returns) For much of 20 years prior to that international mostly outperformed https://abnormalreturns.com/2017/11/15/wednesday-links-an-echo-chamber/ Chart below shows Us vs. international year by ...
by Rob5TCP
Tue Jun 26, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 21
Views: 2063

Re: NY Insurance Costs on the Rise

I have GEICO for both auto and umbrella. The auto increases have both been rather minor. My umbrella had a 45% increase over 2 years. I now pay about $497 for 2MM in coverage. Two years earlier it was $345 (which it had been for the previous 4 years).
by Rob5TCP
Mon Jun 25, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5518

Re: I've been swindled!

As mentioned earlier - see if they have a YELP review. If it's positive; post your experience. Check ALL possible major media; any positive reviews; you want to stand out as a sore thumb. Call 10/20/30 times a day. Once I set my computer on auto dial to call every 30 seconds for two hours. I finally...
by Rob5TCP
Fri Jun 22, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: This is ridiculously expensive LTCi, right? Or maybe not?
Replies: 78
Views: 4483

Re: This is ridiculously expensive LTCi, right? Or maybe not?

Since you have paid most already (I don't think you can get returns of any principal); the balance owed $88,000 would be a steal. Looked at it this way; it would not be wise when 60% of the payments have already been paid. I don't know enough about actuarial tables to know if this is a good risk adj...
by Rob5TCP
Fri Jun 22, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4113

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

Craigslist has a reputation (at least in NY) of fraudulent listings.
The ones that really seem to be good to be true; frequently are.
by Rob5TCP
Fri Jun 22, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 3133

Re: Complain or Negative Review for Rip-off Plumber?

Be as a accurate and objective as possible. People have been sued for leaving negative reviews.
Just in case, have documentation and possible photographs to backup what you write.
While it's unlikely they would go after you, better to be prepared just in case.