Search found 3057 matches

by Rob5TCP
Sun Aug 19, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lending money to Goldman Sachs?
Replies: 6
Views: 1121

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: 523

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: 4529

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: 344

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: 1320

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: 849

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: 574

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: 574

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: 254

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: 7720

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: 705

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: 2567

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: 705

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: 1847

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: 429

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: 1168

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: 429

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: 1396

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: 854

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: 8880

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: 2401

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: 10180

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: 10180

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: 736

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: 2245

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: 6783

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: 11206

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: 1961

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: 5456

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: 4382

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: 4063

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: 3027

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.
by Rob5TCP
Fri Jun 22, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8638

Re: gray hair

Had no grey until about 8 years ago. About 4 years ago it got quite noticeable (56 then). Started using just for men. No one has said anything except one close friend who saw me the night before I used it and then next day (the first time). I wear my hair moderately long and only use the product eve...
by Rob5TCP
Thu Jun 21, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3992

Re: Article on hotel booking sites - no bargains

As I mentioned in a similar post; the only bargains I see are express pass at Priceline. Virtually all the sites are owned by those two companies and they charge the same thing. I "love" the ads for Trivago that state they scour the internet and present you with all the different sites prices. That,...
by Rob5TCP
Mon Jun 18, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Priceline hotels?
Replies: 16
Views: 2270

Re: Priceline hotels?

Rather late - but to add what I said earlier: I saw an article this morning (from last month) about why all the hotel bargains are pretty much disappearing. Two sites now control 95% of the hotel bookings. https://www.checkbook.org/washington-area/hotel-deals/articles/The-Disappearing-Hotel-Bargain-...
by Rob5TCP
Mon Jun 18, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1130

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

About ten or fifteen years ago, I concluded that the only safe way to use antivirus programs is to do manual scans. I do periodic manual scans (under Mac OS X) with Avast and Malwarebytes, and resist all nagging entreaties to install real-time shields or continuous internet protection or background...
by Rob5TCP
Sun Jun 17, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1130

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

Though all the instructions said to uninstall first; then re-install - I tried just re-installing
MS Office. That was 12 days ago and so far no problems since.

That may turn out to be the solution - and ignore what MS advised.
by Rob5TCP
Sun Jun 17, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8790

Re: Which Supermarket are you?

Jan/Feb mostly Fresh Direct; which delivers. Hate going to the grocery in the winter months. Rest of the year 1. Fairway - local chain; good prepared foods 2. Costco - bulk and certain prepared foods 3. Fresh Direct - when I get lazy 4. Trader Joes - a few items I go there when not crowded. 5. Whole...
by Rob5TCP
Fri Jun 15, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 4017

Re: I am STUNNED over how much help my friends recieved with house purchase!

My grandparents were extremely wealthy (by any standard). Whether it was for college, a home, whatever, they were always quick to give assistance (sometimes quite substantial). If their parents can afford it, I see no issue. My parents were also generous to us "kids". However, by the time the grandc...
by Rob5TCP
Fri Jun 08, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Would you care to share your fav......... [Consumer forum like Bogleheads]
Replies: 1
Views: 645

Re: Would you care to share your fav......... [Consumer forum like Bogleheads]

Decent: Weekly https://www.consumerworld.org/ General Consumer Advice: https://bobsullivan.net/ (warning has political edge) Great for news in the Bank/Credit Union Realm plus best rate: https://www.depositaccounts.com/blog/ Good site for checking prices on Amazon products: https://camelcamelcamel.c...
by Rob5TCP
Fri Jun 08, 2018 6:31 am
Forum: Investing - Theory, News & General
Topic: Marcus/Goldman Sachs Bank Credit Report Auth ?
Replies: 4
Views: 423

Re: Marcus/Goldman Sachs Bank Credit Report Auth ?

They were probably already doing it. The new law in disclosures that passed in the European Union has
many US companies issuing new disclosures on their terms of service. I've gotten over 50 of these in the past
few weeks.
by Rob5TCP
Tue Jun 05, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8941

Re: Don't make the mistake I made (Telemarketing hell)

Most calls originate out of the country, so the do not call list is useless. Frequently, I receive calls (tons of them) from firms based in India (for everything that my website is losing out to the Microsoft scam to anything imaginable). I use Nomorobo, but when I am in the mood I goof on them. For...
by Rob5TCP
Tue Jun 05, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Do bond funds lose value while CDs do not?
Replies: 31
Views: 3532

Re: Do bond funds lose value while CDs do not?

CD's do have one inherent advantage over both bonds and bond funds. If interest rates should rise substantially, you can redeem your CD's (not brokered CD's) and pay and EWP (early withdrawal penalty). Some 5 year CD's have EWP as low as 6 months. So that would cap your penalty at 1 1/2% on a 5 yr 3...
by Rob5TCP
Mon Jun 04, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1130

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

OP, in fixing your keepass and gmail issue, did you do "something" to your OS? https://www.bogleheads.org/forum/viewtopic.php?f=11&t=249934 MS Office 16 should have no problems running on 7. As I mentioned earlier - it may be with Norton Internet Security. At this point, I have a folder setup for t...
by Rob5TCP
Mon Jun 04, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1130

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

For the past few weeks - periodically MS Office comes up with the following message "The Operating System Is Not Presently Configured To Run This Application" Fine - did a google search and found the instructions on the MS Website. Two days later, same thing happens. I uninstall and then re-install...
by Rob5TCP
Mon Jun 04, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1130

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

The first bunch basically gave me uninstall and re-install that works fine - for a day, week or even 2 weeks. Further investigating found a rep who said Norton Internet security has a conflict with MS Office. And he proceeded to blast NIS several times. Even though not the best, I've had it for 15 y...
by Rob5TCP
Mon Jun 04, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1130

MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

For the past few weeks - periodically MS Office comes up with the following message "The Operating System Is Not Presently Configured To Run This Application" Fine - did a google search and found the instructions on the MS Website. Two days later, same thing happens. I uninstall and then re-install ...
by Rob5TCP
Fri Jun 01, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Gold Chain necklace, authentic gold
Replies: 10
Views: 1237

Re: Gold Chain necklace, authentic gold

Gold chains are a commodity. It's frequently presented as finely crafted, but many are made by the "mile" and then cut into different sizes. The paragraph below describes the various aspects including craftmanship. I've seen too many gold chains on HUGE rolls, that hardly look like they were "carefu...
by Rob5TCP
Thu May 31, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum to Spend on Rent
Replies: 9
Views: 1086

Re: Maximum to Spend on Rent

Where in CA. do you live. If Bay Area, what you should spend may not be what you end up spending.
Inland or way North of S.F., the rents vary more widely.

30% is considered the standard of what to pay for rent (max).
by Rob5TCP
Sun May 27, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12668

Re: done with Gmail

I've heard good things about proton mail This is from the Proton mail website... ProtonMail's zero access architecture means that your data is encrypted in a way that makes it inaccessible to us. Data is encrypted on the client side using an encryption key that we do not have access to. This means ...