Search found 3000 matches

by Rob5TCP
Wed May 23, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a financial adviser?
Replies: 6
Views: 261

Re: Should I hire a financial adviser?

If you have an advisor in mind, how are they paid. If commission, keep walking (there is a conflict of interest). If by assets under management (AUM) understand your paying them 1% per year for what might amount to a few days work 1% of AUM- EVERY YEAR). Being a fiduciary is a start, but it is not a...
by Rob5TCP
Wed May 23, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 36
Views: 1493

Re: Buying a Woman's Tag Heuer On-line

I've bought two watches from Ashford.com and when taken to a jeweler he said both were genuine. The warranty is private not from Raymond Weill (one of the two that I bought). I did notice that a number of the most heavily discounted watches (some 50-65%) were styles that were discontinued. That did ...
by Rob5TCP
Mon May 21, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

My main issue with Gmail now is the 3-5 days before they will address the problem. A paid email, with good service should resolve in hours. This is certainly something you'll want to check into as you explore paid services. I'm not sure I'd just assume that because it's paid, it "should" resolve so...
by Rob5TCP
Mon May 21, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

My main issue with Gmail now is the 3-5 days before they will address the problem.
A paid email, with good service should resolve in hours.
The privacy with gmail has bothered me for awhile.
This just made leaving gmail a priority.
by Rob5TCP
Mon May 21, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Much of...
by Rob5TCP
Sun May 20, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need help firing my financial advisor
Replies: 16
Views: 2193

Re: Need help firing my financial advisor

You don't need to have any contact with your former advisor.
If you had a "personal" connection with him/her; you can call after the transfer
and thank them for their help. But, you feel you can go on your own now.
If there is not a real connection; just let Vanguard handle it.
by Rob5TCP
Sun May 20, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

My 2FA with google was a voice message to my home phone (I would change when going on vacation). It attemps to send a text (rather than a voice message to my home phone). I am looking at alternatives with 24/7 support. Keepass was not at fault the system crashed. Gmail has no phone support (it is fr...
by Rob5TCP
Sun May 20, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

I was changing passwords with keepass - when there was a crash. Password took, but keepass doesn't have the password. Trying to get it unlocked has been like being a Kafka novel. Right now, they will be reviewing and decide in the next 5 days whether I will get my email back (it''s locked). Much of ...
by Rob5TCP
Sun May 20, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8796

Re: done with Gmail

Is there a better, easier to recover email than Gmail (even if I have to pay). Today was the last straw. I know a lot of people love gmail; I just reached my end. I don't like hotmail or outlook or yahoo. Are there better ones, even if I have to pay. To clear my Gmail it will take 3-5 days. This hap...
by Rob5TCP
Sun May 20, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Fee transparency in private equity
Replies: 9
Views: 577

Re: Fee transparency in private equity

Hi fees; complete lack of transparency on these fees and PE returns; and sub par long term performance.
Sounds irresistible. No wonder these are sold, rather than bought. This sounds as poor a choice
as a variable annuity (another sold product).
by Rob5TCP
Sat May 19, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Priceline hotels?
Replies: 11
Views: 1197

Re: Priceline hotels?

I agree with several of the above posters - Priceline in the begining had great prices. The last few years all of the services had close to the same prices. Many of the different sites are owned by just 4 companies. Express deals is one of the few remaining "bargains". Last Thanksgiving I was able t...
by Rob5TCP
Tue May 15, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2574

Re: Any experience with Blue Apron?

I don't cook very often. I thought this would make things quite easy. WRONG I ended up using half the ingredients and after one meal gave the rest away. While it was tasty (even with all the stuff I didn't do); but it was not worth the hassle. Blue Apron will be doing frozen entrees for Costco soon ...
by Rob5TCP
Tue May 15, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1092

Re: External Portable Hard Drive

I second WD; they are among the most cost effective.
SSD's are great as a main drive, but for backups you want the
maximum amount of TB's per dollar.
Standard drives are still much cheaper in large sizes.
Costco will probably have a selection of WD for both PC/Mac
for $100 or less.
by Rob5TCP
Sun May 13, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5144

Re: Buying land in central FL

I bought a small condo for my Mother years ago in Central Florida (Lake Placid). Yes, the past few years r.e. values have gone up rapidly. But, the prior years they were tanking. We are back to where we were years ago. I am not selling (renting it out now) so it doesn't really affect me. My place is...
by Rob5TCP
Sat May 12, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: New Digital Advisor for $20/month - Worth it ?
Replies: 11
Views: 1390

Re: New Digital Advisor for $20/month - Worth it ?

It's $20 a month until you reach 50k in assets and then it's .5% Vanguard Personal Advisor is .3% without a $240 a year fee on top. Might be ok for someone starting out; but once they really "learn the ropes"; DIY is a better option. The .5% fee only applies if you invest with them as well as plan. ...
by Rob5TCP
Fri May 11, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4317

Re: Anyone buy carbon offsets when flying?

I applaud Knightrider's ideas. I've thought of carbon offsets in the past. For my own part, my habits have changed dramatically over the past 20 years. Today, weather permitting, I walk to clients rather than drive/taxi/subway etc. If it's too far, my next option is subway. About 10% of the time I d...
by Rob5TCP
Fri May 11, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Is REIT a prudential investment choice at the moment?
Replies: 20
Views: 1871

Re: Is REIT a prudential investment choice at the moment?

How much of that 11% distribution is just return of capital.
Unless they have a formula for generating 11% returns each year,
check to see how much of the dividend is just your own money back.
by Rob5TCP
Wed May 09, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3393

Re: Which heart rate monitor is the most accurate?

Like several posts earlier; I used my Fitbit Charge 2 and my Polar HRM (with chest strap) on my lifecycle. The Polar was close to the number of beats on the Lifecycle. AS soon as things turned intense, the Fitbit was off quite a bit (at least 10%). I used the Fitbit when doing slow walks; anything i...
by Rob5TCP
Wed May 09, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2067

Re: Vehicle Tires and Dry Rot

I put on 3k miles a year so fresh tires are important. When I bought my tires from Pepboys; I didn't know to check. Two years later I learned the tires I bought from them were either 4 or 5 years old (WHEN BOUGHT). I will never get taken like that again. I bought from my current mechanic and they we...
by Rob5TCP
Fri Apr 27, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: new display this morning?
Replies: 11
Views: 2520

Re: Vanguard: new display this morning?

I'm still the old look. I prefer the look your showing
it looks to be more concise.
Hopefully it will be rolled out to everyone soon.
by Rob5TCP
Fri Apr 27, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10759

Re: Amazon to raise Prime membership in US to $119 from $99

For the video alone, Prime is worth $12 per month. Plus, on most orders, I am not in a hurry. For every package I accept NOT to be delivered in 2 days, I get a $1 credit. That has paid for many of the non-prime movies I've ordered this year. I consider it to be a good value for me. The hassle of tak...
by Rob5TCP
Wed Apr 25, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisor for hire
Replies: 15
Views: 1553

Re: Financial advisor for hire

There are advisors that charge a straight hourly rate. Alan Roth is one of them and he is well known on this board. It's probably more expensive the first year, but the savings for falling years more than makes up for it. Unless you have a small balance the 1% fee AUM, over the years really become e...
by Rob5TCP
Sat Apr 21, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2621

Re: How long have you been employed?

59 years old -- 35 years working
5-6 for other people (almost 15 jobs in that time)
and 30 years (as of Feb next year) in my own business
(I didn't do well working when I wasn't in my own business).
Could retire - but probably won't for 5-10 more years.
by Rob5TCP
Sat Apr 21, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Why is a share price for Schwab much cheaper than Vanguard?
Replies: 10
Views: 1214

Re: Why is a share price for Schwab much cheaper than Vanguard?

If you buy $1000.00 of each and they both go up 5% what is the value in one year $1,050. Share price appreciation is important. Mutual fund Initial share price is really irrelevant. You would have 4 shares of one fund and 25 shares of the other. if they didn't pay any dividends and went up 5%; you w...
by Rob5TCP
Fri Apr 20, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Bose quiet comfort noise cancelling headphones
Replies: 10
Views: 1618

Re: Bose quiet comfort noise cancelling headphones

I don't know if this makes a difference but the 25 has come down almost 1/2 on price;
and there have been sales at even lower prices.

https://www.amazon.com/Bose-QuietComfor ... cancelling
by Rob5TCP
Sun Apr 15, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 17539

Re: Tipping for restaurants where you order at the counter

Thank you. Seems as if it would be tough for the employer to accurately track tips, especially those paid in cash. At the cafe I wrote about, I guess a record or log could be maintained on the (electronic) tablet, but I wonder how a place with a different setup could accurately monitor tips. Still,...
by Rob5TCP
Sat Apr 14, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 17539

Re: Tipping for restaurants where you order at the counter

Since I started working with PR software and learned what waiters / waitresses actually make, I always tip. For inexpensive breakfasts ($3-$4 at the local bagel place) I tip $1 (which is 25%-33%). At high end restaurants I reluctantly tip 18% and resent that. I do not order wine, because of the mar...
by Rob5TCP
Sat Apr 14, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 17539

Re: Tipping for restaurants where you order at the counter

Since I started working with PR software and learned what waiters / waitresses actually make, I always tip. For inexpensive breakfasts ($3-$4 at the local bagel place) I tip $1 (which is 25%-33%). At high end restaurants I reluctantly tip 18% and resent that. I do not order wine, because of the mark...
by Rob5TCP
Sun Apr 08, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 1921

Re: Best High Interest Savings Account?

this blog lists all the highest CD's, savings accounts, etc; requirements and gotchas (if any)

https://www.depositaccounts.com/blog/

https://www.depositaccounts.com/blog/ba ... ts-survey/
by Rob5TCP
Thu Apr 05, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 26
Views: 3665

Re: Edward Jones

Great story on the history of Edward Jones --

https://kronstantinople.blogspot.com/p/ ... -saga.html

They started out quite idealistically. Not anymore.
by Rob5TCP
Tue Apr 03, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 28
Views: 2159

Re: Protecting personal privacy on-line - CBS News

As mentioned above, I always use VPN (even though I am directly connected through Ethernet). I use cookie auto-delete, privacy badger, Umatrix (more for security than privacy), HTTPS everywhere, and duckduckgo as my primary search engine. Additional, for my main email account (gmail), I only access ...
by Rob5TCP
Mon Apr 02, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4363

Re: Microsoft tech support scam - how to recover?

I've had two friends get taken over. One I had to reformat the hard drive (load Win7, and their backup of all data). The other (she paid and later cancelled her c.c.).; I was able to remove the teamviewer that they left in the open position. I scanned with Malwarebytes, plus several other packages. ...
by Rob5TCP
Sun Apr 01, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21014

Re: free dinner investing seminar

A view from the other side - someone who runs the seminars
pretty honest

https://www.stackingbenjamins.com/behin ... l-seminar/
by Rob5TCP
Tue Mar 27, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: NYC Real Estate
Replies: 13
Views: 1736

Re: NYC Real Estate

I've lived in Manhattan since the 80's. I bought my rental (it went co-op - Tudor City) in 1989. There was a substantial discount for "insiders". By 1992 the market had tanked and my unit was worth 25% less than I paid as an "insider". Over the next 15 years the recovery was substantial. I sold abou...
by Rob5TCP
Mon Mar 26, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for moving to NYC
Replies: 57
Views: 4865

Re: Tips for moving to NYC

I've been using Fresh Direct for many many years. In winter, I get the delivery pass which reduces the delivery costs by 50%+. Yes, they don't have the selection of a good supermarket and prices are somewhat higher. However, the convenience,to me, outweighs the additional costs. The orders messed up...
by Rob5TCP
Mon Mar 26, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3579

Re: Computer Security

Out of inertia; I've stayed with Symantec for daily quick scans (weekly full scans)
Malwarebytes is used for quick daily scans, and periodic scans with HitManPro Alert.
I tend to buy the premium on all products. I've had 3 false positives in 5 years and
only 1 actual minor infection.
by Rob5TCP
Wed Mar 14, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 33018

Re: WSJ Digital Subscription - a bargain!

Incendiary wrote:
Wed Mar 14, 2018 7:52 pm
Incendiary wrote:
Sat Jan 20, 2018 11:06 am
I haven't. Still works. Looks like it's hit or miss.
My subscription to the wsj just stopped working. Drat.
So far, mine is still working. Almost 6 months.
by Rob5TCP
Tue Mar 13, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Market Link CD
Replies: 5
Views: 690

Re: Market Link CD

I had one years ago -- only a small amount as a test. It made more than a regular CD (the market was up substantially during that period). There were so many gotchas - first off; you receive no dividends, my upside was capped. I didn't renew after it matured and was finished with it. The document th...
by Rob5TCP
Mon Mar 12, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home Office Deduction - Do I Qualify?
Replies: 6
Views: 791

Re: Home Office Deduction - Do I Qualify?

Commuting is impossible - so this is the only option for you if you wish to work for this company (other than moving). This is your principal place of your business and you use it for regular and exclusive business work. IRS requirements Requirements to Claim the Home Office Deduction Regardless of ...
by Rob5TCP
Fri Mar 09, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Re: Big umbrella increase: anyone else's risen dramatically?

I have GEICO. My premiums have not changed in years. Prior to the last 2 years, my GEICO policy had changed about 6% in 5/6 years. The last 2 years, my umbrella (2M) went from around $350 to almost $500 last month. Not quite a 50% increase. When I called, I was told it was based on the number of la...
by Rob5TCP
Tue Feb 27, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: SIGA
Replies: 3
Views: 202

Re: SIGA

It's part of my small percent of speculative stocks
it was recommended by Andrew Tobias
bought it a number of years ago
a few hundred shares



https://andrewtobias.com/stay-tuned/
by Rob5TCP
Tue Feb 27, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: 2.75% 13 month CD New England Only
Replies: 4
Views: 859

Re: 2.75% 13 month CD New England Only

2% for a year seems to be more and more available
2.75% seems to be the highest for short term CD's.
Hopefully that will change in the not too distant future.
by Rob5TCP
Mon Feb 26, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2.75% 13 month CD New England Only
Replies: 4
Views: 859

2.75% 13 month CD New England Only

On February 27th and 28th only
HarborOne Bank

Once again from Deposit accounts
https://www.depositaccounts.com/banks/h ... nk/offers/
by Rob5TCP
Sun Feb 25, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Beam 2-4% APY
Replies: 13
Views: 2278

Re: Beam 2-4% APY

I put my name on their list - but have heard nothing since.
It sounded like a scam and probably was.
I forwarded to Ken Tumin of Deposit Accounts
but he was not able to get any additional information.
by Rob5TCP
Sat Feb 24, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5489

Re: Favorite socks?

[ quote fixed by admin LadyGeek] ...Darn Tough has various criteria for selecting socks - one is the degree of cushioning you require. https://darntough.com/collections/tactical Outstanding! Thanks for the link and the help. Lifetime warranty meaning when they wear out? j From their website: (empha...
by Rob5TCP
Sat Feb 24, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5489

Re: Favorite socks?

I love Darn Tough socks! Worth every penny to me. Another endorsement for Darn Tough socks. I like wool socks for comfort but do not get much wear out of most brands. On my feet, Darn Tough wears longer than SmartWool. Plus, Darn Tough socks have a lifetime warranty for wear that I have taken advan...
by Rob5TCP
Fri Feb 23, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5489

Re: Favorite socks?

For regular day to day: I buy socks from Costco - usually whatever has the right price. When I am hiking or just all day walking around NY; I usually wear the Darn Tough or Smart Wool. They are quite expensive, but they last forever. I prefer at least 50% Merino Wool. I wait until REI has them on sa...
by Rob5TCP
Tue Feb 20, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 73
Views: 8787

Re: How do I unwind this Wealthfront mess?

Can you do a LIFO stock withdrawal -- and only sell the shares with the least appreciation while retaining older shares that might have the most. As long as they are over 1 year old the Federal, at least, would be at your long term capital gains rate. State will be the rate regardless of whether it'...