Search found 3117 matches

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: 699

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: 699

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: 101
Views: 3555

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: 2095

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: 2095

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: 61
Views: 4641

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: 61
Views: 4641

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: 51
Views: 3677

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: 101
Views: 3555

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: 101
Views: 3555

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: 101
Views: 3555

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: 3482

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: 1177

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: 771

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...
by Rob5TCP
Fri Nov 02, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7546

Re: I Bond fixed rate = 0.5%

Are not TIPS yielding (real) more than 1%? Why buy IBonds? Doesn't one have to pay income tax on imputed income each year for TIPS, but not iBonds? Are TIPS marketable, meaning that selling them before maturity would be at a market price which may be for more or less than their purchase price and i...
by Rob5TCP
Wed Oct 31, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4705

Re: GE: We Bring Bad News To Life!

A small "victory" A client and friend had a substantial % of her retirement assets in GE (DRIP plus major contributions every month for decades). When I mentioned about Vanguard/Bogleheads a year ago; she told me about her plan. Her Father told her eons to go to find good companies and periodically ...
by Rob5TCP
Fri Oct 26, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Working in NYC: Live in NY or NJ for tax optimization?
Replies: 25
Views: 1762

Re: Working in NYC: Live in NY or NJ for tax optimization?

You may have HIGHER state taxes in NJ than NY
here is the cost of both at $200,000
NY 6.65% NJ 6.37%

http://www.tax-rates.org/New_Jersey/income-tax
http://www.tax-rates.org/New_York/income-tax
by Rob5TCP
Thu Oct 25, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Does New York allow capital loss carry over?
Replies: 1
Views: 226

Re: Does New York allow capital loss carry over?

According to this chart- NY does allow years carry forward https://taxfoundation.org/net-operating-loss-carryforward-carryback-2017/ https://www.journalofaccountancy.com/issues/2010/aug/20103022.html New York, for example, follows federal loss carry forward rules, while New Jersey does not. Federal ...
by Rob5TCP
Fri Oct 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3015

Re: Pacific Northwest trip

I just returned yesterday from 10 days Seattle and 3 days Vancouver. Squanomie falls was a great afternoon -- we did a very short hike Mt. Ranier because of the weather. We spent most days just enjoying Seatlle Chihilie Museum/Garden Space Needle Pike Market -- great eats; go to some of the lower le...
by Rob5TCP
Sun Oct 07, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6241

Re: Poll: BHs who rent - what % of gross do you spend on rent?

Living in NYC (Manhattan) for a number of years. Being self employed my income can vary greatly .
At one time it was over 35%; now closer to15-20%. In a great year it can drop to 8-10%.
(HCOL - near the East Village --
rent stabilized, but certainly not inexpensive for anywhere but S.F. & NYC).
by Rob5TCP
Thu Oct 04, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Bloomberg - Cliff Asness Interview
Replies: 22
Views: 2028

Re: Bloomberg - Cliff Asness Interview

Thanks for the link -- he is always fascinating to read.
by Rob5TCP
Mon Oct 01, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1312

Re: Health insurance in Canada for An American Visitor

My GF lives in Alberta so she buys insurance before coming to the US. Until she mentioned it, I was even aware that US insurance (especially with a high deductible) might not cover me. RBC insurance wants $75 for 4 days. My Boglehead side says it's not worth the money. But if something should happe...
by Rob5TCP
Sun Sep 30, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1312

Re: Health insurance in Canada for An American Visitor

My GF lives in Alberta so she buys insurance before coming to the US. Until she mentioned it, I was even aware that US insurance (especially with a high deductible) might not cover me. RBC insurance wants $75 for 4 days. My Boglehead side says it's not worth the money. But if something should happen...
by Rob5TCP
Sun Sep 30, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1312

Health insurance in Canada for An American Visitor

We are in Seattle (thanks for all the suggestions) and had one of the best seafood dinners EVER. (Pike Chowder House) -- now we are going in a few days to Vancouver -- as a US Citizen with a high deductible policy, do I need Canadian health insurance for 5 days? How expensive ($50, $500 ?) She is Ca...
by Rob5TCP
Sat Sep 29, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Consumer reports email with pdf attached??
Replies: 8
Views: 971

Re: Consumer reports email with pdf attached??

I receive digital only and have never received a .pdf
I would email or call to verify that it was ok.
Very unlikely, but there are tons of spoofs out there.
by Rob5TCP
Thu Sep 27, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 25
Views: 1563

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

Well tomorrow we are off -- Friday night dinner at Pike Market. There for the atmosphere as much as the food. Then 3 days running around Seattle and excursions then off to Victoria. Have looked at past posts and the suggestions here and have an outline on what we plan to do. Thanks to the Bogleheads...
by Rob5TCP
Wed Sep 26, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3436

Re: When do you need a hearing aid

Some of these are extremely high tech. One friend has two (both ears) and a remote that looks like one for a TV. Another friend has ones that (somehow) are electronically connected to her cell phone. She "hears" the cell phone when there is no audible ringing sound. Its truly amazing what's availab...
by Rob5TCP
Wed Sep 26, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3436

Re: When do you need a hearing aid

Do you have a spouse? Kids? Roommate? Lunch group? Poker group? In my experience, they may be aware of your need for a hearing before you are. Single and none of my friends have ever had to repeat. Only when in a noisy environment and they talk somewhat softly do I request that they repeat. In priv...
by Rob5TCP
Tue Sep 25, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3436

Re: When do you need a hearing aid

Long time Costco member - was not aware they sold hearing aids.
I think I am on the border - but not nearly as "critical" as the
audiologist made it out to be.
by Rob5TCP
Tue Sep 25, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 25
Views: 1563

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

Thanks you guys -- Our first 4 nights (in Seattle are at the Silver Cloud Inn.
Will probably go to Victoria on Tues and then Thurs to Vancouver and Sunday
back to Seattle.

Lots of good tips so far!!
by Rob5TCP
Tue Sep 25, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3436

Re: When do you need a hearing aid

I am leaning towards waiting a couple of years before I even consider getting one. The hard sell was a put off.
Are there any independent places that test but do not SELL hearing aids. So I could get truly objective advice.
by Rob5TCP
Tue Sep 25, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3436

When do you need a hearing aid

would like to get an opinion on this. I just came back from the ENT doctor. When the audiologist tested my ears, she found 5-20% loss between 250-1k frequency. At 8k frequency it jumps to 50% in both ears. She went on about my needing a hearing aid in both ears and waiting could make the deteriorati...
by Rob5TCP
Tue Sep 25, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: One ear weak, one good: Get hearing aid? 91-year old
Replies: 8
Views: 686

Re: One ear weak, one good: Get hearing aid? 91-year old

I would like to get an opinion on this. I just came back from the ENT doctor. When the audiologist tested my ears, she found 10-20% loss between 250-4k frequency. At 8k frequency it jumps to 50% in both ears. She went on about my needing a hearing aid in both ears and waiting could make the deterior...
by Rob5TCP
Sun Sep 23, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 25
Views: 1563

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: 25
Views: 1563

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: 25
Views: 1563

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: 25
Views: 1563

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: 421

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: 25
Views: 1563

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: 25
Views: 1563

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: 25
Views: 1563

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: 1046

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: 222
Views: 59185

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: 176
Views: 10090

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: 176
Views: 10090

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: 4014

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: 1493

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: 1493

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: 1050

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/