Search found 2948 matches

by Rob5TCP
Mon Feb 19, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Would umbrella policy protect from actions of litigious condo neighbor?
Replies: 1
Views: 452

Re: Would umbrella policy protect from actions of litigious condo neighbor?

Not an attorney, but would "seem" to be if they sued you yes.
By suing the condo association, you could not expect your umbrella policy to protect you from an assessment (in case the reserve doesn't cover the suit and the lawyers).
BTW Your condo association should have insurance against such a suit
by Rob5TCP
Mon Feb 19, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 25
Views: 2097

Re: Sams Club vs Costco

I originally mooched off friends that had memberships at both Costco and Sam's club. I found that at Sam's club I ended up purchasing about 1/3 of what I bought at Costco. I buy electronics, food, clothing, eyeglasses, vitamins and other items at Costco. At Sam's club, I bought some food items, no c...
by Rob5TCP
Sun Feb 18, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 2057

Re: GEICO Auto Shady Practice?

I've never had GEICO push any options on me when I contact them (though they did offer some).
For the first time in quite awhile I will be looking elsewhere; my umbrella policy is up almost 50% in 3 years.
Otherwise I have been quite satisfied with GEICO.
by Rob5TCP
Sat Feb 17, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5721

Re: Amazon Alternative

I have gotten too used to ordering from Amazon. Though, I am cutting back (and going through some withdrawal) I am trying. Currently I use Newegg.com - electronics, some home appliances B&H Photo: https://www.bhphotovideo.com/ camera, computer accessories Ebay: lots of small inexpensive items (batte...
by Rob5TCP
Sat Feb 17, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a MLM? American Inst of Cert Tax Planners
Replies: 8
Views: 832

Re: Is this a MLM? American Inst of Cert Tax Planners

From their website: It sounds like a site that promises much: How much they deliver is another matter. "CPA's: Save your clients $100,000 per year or more Learn how to add the kind of value to your client's lives that earns you the right to charge $15,000 or more per client." As for the credentials ...
by Rob5TCP
Sat Feb 17, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: "The Morning After" by Jonathan Clements
Replies: 15
Views: 2859

Re: "The Morning After" by Jonathan Clements

It was a good article - I was not aware he had the newsletter.
Thank you for the link.
by Rob5TCP
Tue Feb 13, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor???
Replies: 11
Views: 680

Re: Financial Advisor???

They have been around a looonnnggg time. My Father used them, and many moons ago introduced his "advisor" to me. I ended up going with Janus in the 90's. The Waddell and Reed funds all had sales loads (back when my Father bought from them I think they were over 8%). Today their sales loads are 5.75%...
by Rob5TCP
Sat Feb 10, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 57
Views: 4735

Re: What backup service to use?

I do this somewhat differently. I have a Wavelink H/D docking station. I purchased 6 refurbished drives from NewEgg (I would never use refurbished as my main drive). I alternate drives on different days. I have two others that I backup weekly to leave in my safety deposit box and alternate drives. I...
by Rob5TCP
Sat Feb 10, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Andew Tobias on Meb Faber Podcast
Replies: 6
Views: 812

Re: Andew Tobias on Meb Faber Podcast

I am reading it now - one of the first investment books I ever read was the Only Investment Guide you will ever need. Mr. Tobias also had a software program that was one of the first for personal finance. I still read his blog from time to time (though it has become too political). Thanks for the li...
by Rob5TCP
Mon Feb 05, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3014

Re: Cheapest funeral options

We recently had an unexpected death in the family. I took care of the arrangements (she wanted cremation). I called the best known and that was the Neptune Society. They quoted about $2500-$3000. Since I was paying (and I am a Boglehead); we found a local business that handled all arrangements for a...
by Rob5TCP
Sun Feb 04, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1615

Re: Age Related Discounts?

as mentioned above - there are a ton https://www.theseniorlist.com/senior-discounts/list-of-senior-discounts-restaurants/ https://www.senioradvisor.com/blog/2015/06/senior-discounts-age-55/ https://www.after55.com/blog/senior-discounts-guide/ https://clark.com/deals-money-saving-advice/clarks-favori...
by Rob5TCP
Sun Feb 04, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1615

Re: Age Related Discounts?

Are you looking for student / Senior Citizen / AARP type discounts ?
by Rob5TCP
Sun Feb 04, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13301

Re: Financial Hole

How old are you? If young, can you move back in with your folks. Are there ways you can cut expenses. With a 12 hours workday - are you working 2 jobs or going to school and working ? What is your income / expenses / debts? It's hard to give meaningful advise without having any specifics. One thing ...
by Rob5TCP
Fri Feb 02, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index Fund vs. CDs?
Replies: 27
Views: 3092

Re: Total Bond Market Index Fund vs. CDs?

KevinM did a good analysis a couple of years ago on risk adjusted returns of CD's vs. Bond Funds. It encouraged me to move much of my bonds to CD's. Most of the CD's we see as top rated are paying 2.5-3.0 with a 6 month EWP. This is close to the Bond funds SEC yield, but with the option of a fairly ...
by Rob5TCP
Fri Feb 02, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help a friend that finally is asking for some
Replies: 14
Views: 979

Re: Help a friend that finally is asking for some

Total $788,130.06 100% I've already reviewed the tremendous overlap (S&P, Total stock market, growth index, and the GE thing is wild so (at least she bought it eons ago). I am also discussing a much less aggressive stance; with bonds and cd's. Does she have any considerable savings right now in ban...
by Rob5TCP
Fri Feb 02, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help a friend that finally is asking for some
Replies: 14
Views: 979

Re: Help a friend that finally is asking for some

What are the goals/needs for this money? What are her expenses, and what will be covered by SS or pension? when she takes fra SS; she will get $2,300 per month. monthly expenses currently $3300-$3600 per month depending on future medical has medicare and supplemental plan in reasonably good health....
by Rob5TCP
Fri Feb 02, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help a friend that finally is asking for some
Replies: 14
Views: 979

Re: Help a friend that finally is asking for some

What are the goals/needs for this money? What are her expenses, and what will be covered by SS or pension? when she takes fra SS; she will get $2,300 per month. monthly expenses currently $3300-$3600 per month depending on future medical has medicare and supplemental plan in reasonably good health....
by Rob5TCP
Fri Feb 02, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help a friend that finally is asking for some
Replies: 14
Views: 979

Re: Help a friend that finally is asking for some

Are the holdings in a taxable account or tax deferred account? Looks like the individual equities were selected to generate yield along with the Oppenheimer Rochester fund which I believe has lower rated issues in portfolio. What are gains or losses in each holding, any possibility of selling the l...
by Rob5TCP
Fri Feb 02, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help a friend that finally is asking for some
Replies: 14
Views: 979

Help a friend that finally is asking for some

She is a friend and client Female 65 will retire in a year or so - not 100% yet here are her holdings - I am not asking to judge just for advice. There is huge duplication when I did an xray analysis and will working to reduce/eliminate that She also has a variable rate annuity which was sold to - i...
by Rob5TCP
Fri Feb 02, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Increase withholding or pay quarterly taxes
Replies: 9
Views: 712

Re: Increase withholding or pay quarterly taxes

I do PR software and this is rather uncomplicated. You have 13 weeks per quarter. If you estimate you will owe x "extra" dollars per quarter; and you want it taken out weekly, divide that number by 13. You then have the PR service (or the in-house software) to take an additional X/13 dollar per week...
by Rob5TCP
Sun Jan 28, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Scotland/West Highland Way Sept. 2018
Replies: 14
Views: 857

Re: West Highland Way Sept. 2018

I usually use YouTube videos when checking out hiking sites (not overnight). There is also a site that has extensive listings for US hiking areas (I believe it is alltrails) I saw this video, which is his day by day walking the West Highland Way (about 20 minutes per day). (there were many others) h...
by Rob5TCP
Wed Jan 24, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: 3% 24 month CD at US Postal Service CU - easy membership IRA's only
Replies: 6
Views: 875

Re: 3% 24 month CD at US Postal Service CU - easy membership IRA's only

Unless you have a connection to USPS or are already a member of a select number of organizations, you'll have to pay a recurring fee to be a member of the American Philatelic Society in order to join this credit union. Here's a link on the membership fees: https://stamps.org/Membership-Rates Assumi...
by Rob5TCP
Wed Jan 24, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: 3% 24 month CD at US Postal Service CU - easy membership IRA's only
Replies: 6
Views: 875

Re: 3% 24 month CD at US Postal Service CU - easy membership IRA's only

Just started the process to get an IRA CD. This rate is the best for a 2 year CD.
by Rob5TCP
Wed Jan 24, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: 3% 24 month CD at US Postal Service CU - easy membership IRA's only
Replies: 6
Views: 875

Re: 3% 24 month CD at US Postal Service CU - easy membership

N1CKV wrote:
Wed Jan 24, 2018 10:38 am
Looks like it is only for IRAs. I have no interest at this time to hold IRA funds in a CD.

Thank you - heading corrected.
by Rob5TCP
Wed Jan 24, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: 3% 24 month CD at US Postal Service CU - easy membership IRA's only
Replies: 6
Views: 875

3% 24 month CD at US Postal Service CU - easy membership IRA's only

From Ken Tumin's blog this morning with a 6 month EWP (though with a 2 year maturity it's unlikely to be needed).

https://www.depositaccounts.com/banks/u ... cu/offers/

It's now the highest 2 year CD (they raised it 220 basis points).
by Rob5TCP
Sun Jan 21, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Collecting Old Currency... Best place to get? Online? Bank
Replies: 7
Views: 505

Re: Collecting Old Currency... Best place to get? Online? Bank

$100 bills are generally worth face value. Some really older issues (I believe what were gold back ones in the past) have high numismatic values. Ebay is a good general idea- but if someone is selling old $100 bills for $60 - it's probably counterfeit and from a foreign country. You could get fake G...
by Rob5TCP
Sun Jan 14, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2548

Re: Recommend an A.C. powered auto tire inflator

I looked at several models and decided on one that connects to the car cigarette lighter outlet (car battery). It took less than two minutes to inflate and the tire pressure was within 1 lbs of my regular tire pressure gauge. Just bought it two weeks ago. Like the unit above it threads onto the tire...
by Rob5TCP
Sun Jan 14, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 24
Views: 2111

Re: Renting in NYC for a new college grad. Best practices?

I've rented for quite a number of years in Manhattan and you are getting good advice. Look to see where you will be working; check what subway and/or bus lines are nearby and how far you are willing to commute. Is $500-$1000 a month difference worth a 70 minute bus and/or subway commute vs. a 15 min...
by Rob5TCP
Sun Jan 14, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Able Bank 1.7% Moneymarket $250 minimum
Replies: 1
Views: 574

Able Bank 1.7% Moneymarket $250 minimum

This is the new Moneymarket leader. Able Banking. Again from Ken Tumin's blog:
(Also a 2% 1 year CD).

https://www.depositaccounts.com/banks/a ... ng/offers/
by Rob5TCP
Sun Jan 14, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: 3% 5 year CD Connexus Credit Union: EWP 1 year
Replies: 1
Views: 373

3% 5 year CD Connexus Credit Union: EWP 1 year

From Ken Tumin again; 3% 5 year CD. Just be aware that the EWP is 365 days interest; so plan on holding this to maturity. With rates on the rise, and with a rather high EWP I am not sure I would jump on this one. But, things are going in the right direction, even some longer term CD's. https://www.d...
by Rob5TCP
Fri Jan 12, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1808

Re: mlp's Master Limited Partnerships

I debated for quite awhile on Kinder Morgan; one of the "hotter" MLP's.
Good cash flow; seemingly good prospects.
Ultimately it lost more then 60% of it's value.
I've avoided areas I don't have strong knowledge of. This is high on that list
of ones I avoid.
by Rob5TCP
Thu Jan 11, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 71
Views: 4027

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

I live in a very HCOL area (Manhattan). Though I have a rent stabilized apartment, with parking it is anywhere from 15% to as much as 35% of my income (my income fluctuates tremendously year to year). I would say the average is about 20%-22%.
by Rob5TCP
Thu Jan 11, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4092

Re: Oil filled space heaters

I picked up a refurbished Delonghi on Amazon 6-7 years ago, figuring I would almost never use it. For the most part, I don't. This year we had straight 15 days where it didn't reach freezing. The Delonghi was on 12 hours a day and performed flawlessly. Raised the temp a good 10-12 degrees in the mor...
by Rob5TCP
Sun Jan 07, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 1995

Re: Muir Woods (California) requires reservations.

I was in San Francisco about 6 weeks ago. I no longer go to Muir Woods (as magnificent as it is). Instead, I prefer Big Basin. Big Basin has a 1/2 hour short walk through an incredible grove of old growth redwoods as well as longer walks through both old growth and second generation redwoods. About ...
by Rob5TCP
Mon Jan 01, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 2% 12 month CD expires tomorrow
Replies: 13
Views: 2362

Ally Bank 2% 12 month CD expires tomorrow

Ally Bank 12 month CD with 2% yield; EWP of 60 days and no minimum expires tomorrow.
While the 11 month no penalty deal might be better if you have 25k or more, this is the better choice for under 25k.

https://www.depositaccounts.com/banks/ally-bank/offers/
by Rob5TCP
Wed Dec 20, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Accountant fees reasonable?
Replies: 39
Views: 3301

Re: Accountant fees reasonable?

I used to pay $1,000 but after 15 years at that rate, I was raised to $1,200. I have a sub S corp, 2 rental properties plus my personal returns. I did once check around and found rates from $550 up to $2,500. I trust my accountant and know him for over 20 years. I could probably save a few hundred a...
by Rob5TCP
Sun Dec 17, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Replacement for Fitbit HR
Replies: 6
Views: 560

Re: Replacement for Fitbit HR

I have the Fitbit charge 2 and while it does some things well, counting my steps is not one of them. I find it to under-count my steps 20% to as much as 35%. I have used 3 different devices for checking and two were close (not the Charge 2). I use my Fitbit one for counting steps, and my charge 2 fo...
by Rob5TCP
Tue Dec 12, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 43
Views: 2622

Re: NYC restaurant suggestion

Pete12 wrote:
Tue Dec 12, 2017 10:32 pm
rgs92 wrote:
Tue Dec 12, 2017 9:49 pm
Wo Hop at 17 Mott Street is very good.
+1 :sharebeer
Wo Hop is great -- but just expect atmosphere near zero.
by Rob5TCP
Sun Dec 10, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4509

Re: Vanguard Security Keys

I have the Yubico key and think the same way. I am hoping that at some point there will not be an easy way to replace it (I bought two keys just in case). For right now the key is just a bit easier than a cellphone verification. I am hoping long term that will change. I do use the Yubico at other si...
by Rob5TCP
Mon Nov 27, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Certified Deposits [Certificates of Deposit - CDs]
Replies: 23
Views: 3020

Re: Certified Deposits

If increases in interest rate are a concern; find a CD with a low EWP (early withdrawal penalty).
A good site to find these is
https://www.depositaccounts.com/blog/

he gives all the best rates for 1 month to 10 years.
He also shows the health of the bank or C.U. as well as the EWP.
by Rob5TCP
Mon Nov 27, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 2061

Re: I have Microsoft Office 2007. Should I upgrade?

yes, absolutely. the older versions you have (unsupported) , the more vulnerable you are, for being hacked. I using one computer at home. Not connected to any network that I know of. Am I still at risk of being hacked?? 1210 If your connected to the internet; your connected to a network. If you eve...
by Rob5TCP
Sun Nov 26, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Scanner Software for PDFs
Replies: 8
Views: 732

Re: Scanner Software for PDFs

I also have Paperport 14 (which mercifully is probably the last version) and am looking for a replacement. I wouldn't trust PDF creator since nuance has such miserable support for their Paperport product (from the time they bought it). I will check out FileCenter Pro. The scanning software that came...
by Rob5TCP
Sat Nov 25, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 47
Views: 3792

Re: How Much Would You Spend on a Blender?

I had to replace a blender (due to a knife left in there during blending)
the black Friday special had the BL660 for $63.
If it's horrible - will send it back.
As long as it makes decent smoothies 1-2 times a week; I will consider it a great buy.
by Rob5TCP
Thu Nov 23, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advisory service?
Replies: 23
Views: 1963

Re: Fidelity Portfolio Advisory service?

Most folks here are DIY advocates. If you do want an advisor, Vanguard has a low cost advisory service (I believe .3%). They will basically advise you to go into their set of index funds, similar to what you would find here. You might find more useful advise listing here what you have (in percentage...
by Rob5TCP
Thu Nov 09, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2724

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

I will be leaving soon for 4 days in Portland, 5 in Sacramento and the balance in/around the Bay Area. Portland -I am meeting with friends - Multnomah falls is off the list; it's closed will probably go to Canon Beach if it doesn't rain. Sacramento - when not working I plan to spend most of my time ...
by Rob5TCP
Thu Nov 09, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: 11 month no pnealty CD 1.55% 1K Minnimum
Replies: 11
Views: 2119

Re: 11 month no pnealty CD 1.55% 1K Minnimum

Both are great rates for short term cash needs.
by Rob5TCP
Thu Nov 09, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: 11 month no pnealty CD 1.55% 1K Minnimum
Replies: 11
Views: 2119

11 month no pnealty CD 1.55% 1K Minnimum

For depositaccounts.com CIT bank has a no penalty CD with a 1.55% (1K minnimum) Might be best option for short term savings - or emergency funds. You have to close the CD; so if you might need part, several CD's rather than one large one would make the most sense. https://www.depositaccounts.com/ban...
by Rob5TCP
Mon Nov 06, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 1786

Re: New York restaurants suggestions?

I am going to give places on cusines I know PIZZA East Village Artichoke Pizza (for great slices) I keep seeing this place and wanting to try it. Thanks for the suggestion. Forgot to ad -- make sure you get the slices that are hot out of the oven. NOT reheated. Even if you have to wait.
by Rob5TCP
Mon Nov 06, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal
Replies: 2
Views: 429

Re: MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal 100k MINNIMUM

Inverted Pyramid wrote:
Mon Nov 06, 2017 2:25 pm
"requires a minimum opening deposit of $100k of new money".
That's currently the top rate on 5 year CD's. But 100k minimum really restricts the # of people that
can take advantage of this.