Search found 2978 matches

by Rob5TCP
Sat Apr 21, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2448

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: 1078

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: 1481

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: 16771

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: 16771

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: 16771

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: 1768

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: 3515

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: 2104

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: 4185

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: 287
Views: 19755

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: 1689

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: 4721

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: 3487

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: 31736

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: 664

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: 771

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: 2546

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: 194

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: 841

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: 841

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: 2232

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: 5343

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: 5343

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: 5343

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: 8559

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'...
by Rob5TCP
Tue Feb 20, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2791

Re: Current Vanguard password practices?

ANY password can be broken given the motivation and the time. As mentioned earlier, you want to be the hardest of the group. I have setup 2 step authentication with Vanguard and do use the Yubico key (though being able to use an alternate way to log in defeats the purpose). Correcthorsebatterystaple...
by Rob5TCP
Tue Feb 20, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Would umbrella policy protect from actions of litigious condo neighbor?
Replies: 13
Views: 1880

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

Homeowners might have had it previously - need to check with a current board member and hope they are telling the truth
(if they say they have liability insurance). I know the condo I own in Florida does have liability insurance, though I don't know
the limits.
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: 13
Views: 1880

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: 78
Views: 6332

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: 2371

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: 6024

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: 908

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: 3322

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: 803

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: 5032

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: 861

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: 3165

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: 1706

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: 1706

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: 13841

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: 33
Views: 4752

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: 1041

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: 1041

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: 1041

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: 1041

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: 1041

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: 760

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...