Search found 3034 matches

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: 689

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: 2178

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: 71
Views: 5295

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: 10750

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: 1881

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: 5397

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: 4222

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: 4003

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: 2979

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: 8435

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: 3924

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: 2171

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: 1077

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: 1077

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: 8383

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: 3942

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: 641

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: 401

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: 8768

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: 3445

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: 1077

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: 1077

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: 1077

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: 1077

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: 1158

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: 1054

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: 12378

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 ...
by Rob5TCP
Thu May 24, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: help needed to restore data
Replies: 12
Views: 986

Re: help needed to restore data

One other thing about Ontrack - they do sell software for your DIY types.
I've heard good things, but again that was years ago.
I assumed they've had major improvements over the years.

https://www.ontrack.com/products/data-r ... -software/
by Rob5TCP
Thu May 24, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: help needed to restore data
Replies: 12
Views: 986

Re: help needed to restore data

I second ontrack - I used them years ago for a client that had a disk damaged in a fire.
We could not do ANYTHING with it. Two companies tried before ontrack.
They got most of what was needed. It was expensive; but worth it to the client.

https://www.ontrack.com/
by Rob5TCP
Thu May 24, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12378

Re: done with Gmail

This morning Gmail sent me a link to reset my password. I am changing my procedure so I do a backup of the new password BEFORE I reset it. Out of curiosity, what did you have to do to convince Gmail that it was your account? Obviously you did not know the password. Did you have other methods of aut...
by Rob5TCP
Thu May 24, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12378

Re: done with Gmail

But, I am still looking to switch off gmail for the privacy issues raised as well. Good luck. Let us know which email client you choose that meets your privacy needs. I intend to take my time -- I don't want to change and then find the grass is greener ... I will be looking at each of the selection...
by Rob5TCP
Thu May 24, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12378

Re: done with Gmail

This morning Gmail sent me a link to reset my password. I am changing my procedure so I do a backup of the new password BEFORE I reset it. But, I am still looking to switch off gmail for the privacy issues raised as well. Thank you for the suggestions. At least my Memorial day weekend I won't be dwe...
by Rob5TCP
Wed May 23, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a financial adviser?
Replies: 13
Views: 1441

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: 41
Views: 2456

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: 114
Views: 12378

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: 114
Views: 12378

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: 114
Views: 12378

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: 2353

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: 114
Views: 12378

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: 114
Views: 12378

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: 114
Views: 12378

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: 671

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: 16
Views: 2171

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: 2834

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: 1216

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: 5472

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: 1487

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: 4915

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...