Search found 2922 matches

by Rob5TCP
Sun Jan 14, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 34
Views: 1681

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: 23
Views: 1880

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 minnimum
Replies: 0
Views: 251

Able Bank 1.7% Moneymarket $250 minnimum

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: 331

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: 1612

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: 68
Views: 3491

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: 4001

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: 1940

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: 2290

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: 3193

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: 537

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: 2500

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: 4371

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: 2930

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: 1987

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: 679

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: 3668

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: 1776

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: 2668

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: 2077

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: 2077

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: 1726

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: 416

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.
by Rob5TCP
Mon Nov 06, 2017 1:21 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: 416

MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal

From Depositaccounts.com
MidFlorida credit union has a new 5 year CD with 3.0% interest.
You are allowed to withdraw up to 10% annually without penalty.

Details below:
https://www.depositaccounts.com/banks/m ... on/offers/

Only in PARTS of Florida
by Rob5TCP
Sun Nov 05, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1489

Re: Which heart rate monitor is the most accurate?

I used the FitBit Charge 2 and at the same time used the Polar - the Polar was more accurate no matter what I did. The chest strap is much better than the wrist. I used my Lifecycle and saw which was more accurate. When I was just sitting all three pretty much agreed (plus or minus 1 or 2 beats). On...
by Rob5TCP
Sun Nov 05, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 20574

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by Rob5TCP
Sat Nov 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 20574

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by Rob5TCP
Sat Nov 04, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 20574

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by Rob5TCP
Wed Nov 01, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Is Black Friday the Real Deal for computers?
Replies: 22
Views: 1981

Re: Is Black Friday the Real Deal for computors?

cjg wrote:
Wed Nov 01, 2017 4:56 pm
If you have a credit card with price protection, you can get price matched to the Black Friday adverised price without camping out.
That you have to be careful - door-busters, limited quantities, etc usually aren't covered under c.c. price protection.
by Rob5TCP
Wed Nov 01, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Is Black Friday the Real Deal for computers?
Replies: 22
Views: 1981

Re: Is Black Friday the Real Deal for computors?

I frequently check this site for prices, even before/after Black Friday. I enter the Amazon web price of an item I am interested in and it shows the price history (again on Amazon). It also allows me to set a price I wish to pay and will email me if that is hit. I've done that with several higher en...
by Rob5TCP
Mon Oct 30, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3835

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

If you 're OK with buying from a Canadian pharmacy, Ombrelle sport lotion. Think the brand is sold in the US, but without Mexoryl, a sunscreen not available here. Have done that for 4-5 years now. I've been using Ombrelle for years. My GF from Canada sends me supplies periodically and I bring it ba...
by Rob5TCP
Mon Oct 30, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: What's a VPN and Do I Need One
Replies: 6
Views: 987

Re: What's a VPN and Do I Need One

I have VPN on all my computers. My main PC,at home, is wired; but I use VPN as an extra level to hide my IP address. On my Surface Pro I turn on WiFi and only use it with VPN engaged. And whenever I am on any public / private WiFi; VPN is engaged. For $30 a year and a very small hassle I have Privat...
by Rob5TCP
Sun Oct 29, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1289

Re: Storage Recommendations for pictures

External hard drive or
flash drive
I would do both and keep them in separate places.
If you have a huge # of large files
even cloud based backups are an option.
by Rob5TCP
Fri Oct 27, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2668

Re: Going to SF, Yosemite and Sacramento

Check if the Mariposa Redwood grove in Yosemite is open.... I would focus on a few great experiences rather than everything. Good luck! Making me wonder about a quick getaway myself.., OH NO -- Mariposa grove is closed until Spring, 2018 (that was one of my highlights). Thanks for the tip - didn't ...
by Rob5TCP
Fri Oct 27, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2668

Re: Going to SF, Yosemite and Sacramento

Check if the Mariposa Redwood grove in Yosemite is open.... I would focus on a few great experiences rather than everything. Good luck! Making me wonder about a quick getaway myself.., OH NO -- Mariposa grove is closed until Spring, 2018 (that was one of my highlights). Thanks for the tip - didn't ...
by Rob5TCP
Fri Oct 27, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2668

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

Thank you for all the suggestions - I will be looking over them all the next day or so (plus some on trip advisor) I am leaning to Big Basin as a "better" Redwood experience than Muir Woods. Redwood National Park is just too far North and I would rather spend that time in Yosemite. Yosemite is super...
by Rob5TCP
Fri Oct 27, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2668

Going to SF, Yosemite and Sacramento and NOW PORTLAND

I've landed a new client on the West Coast (Sacramento) and plan to be in California for approximately 2 weeks. Half the time I will be working, the other half I will be a tourist. My plans are 2-3 days in San Francisco, 2-3 days in Yosemite and perhaps 1 day in Big Basin National Park. My time fram...
by Rob5TCP
Wed Oct 25, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 1726

Re: New York restaurants suggestions?

I am going to give places on cusines I know PIZZA East Village Motorino Luzzos (if Motorino too crowded or expensive) Artichoke Pizza (for great slices) West/Greenwich Village John's of Bleeker Street https://en.wikipedia.org/wiki/John%27s_of_Bleecker_Street Keste (rated one of the best in US by tri...
by Rob5TCP
Wed Oct 25, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5451

Re: I just want to invest 200k and get 3%

Several banks have given 3% over the past few years (Andrews Federal CU and Pentagon Federal come to mind) If you wish to go the CD route - this site gives you all the top rates at varying banks/cu's around the country. Some are hoping that Penfed will have a year end CD special of 3%. https://www.d...
by Rob5TCP
Tue Oct 24, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 6
Views: 737

Re: Data Breach Litigation - Anthem

It states I am a member of this lawsuit (which I either get another free monitoring or up to $36 - whoopee). No Anthem is not paying you $36. Anthem's customers are paying you the money, and way, way more to the lawyers on both sides. I don't understand the cheery mentality of people who "win" a cl...
by Rob5TCP
Tue Oct 24, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 6
Views: 737

Data Breach Litigation - Anthem

I just received a form - for the Anthem data breach. It states I was included in the Anthem data breach (which I was not aware of). I checked and I am not included in the insurance companies mentioned. It states I am a member of this lawsuit (which I either get another free monitoring or up to $36 -...
by Rob5TCP
Fri Oct 20, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Encryption flawed in some Yubikey models
Replies: 6
Views: 963

Re: Encryption flawed in some Yubikey models

The Yubikey manager - which gives the version you have and whether you are affected. https://www.yubico.com/keycheck/firmware_guide# (Windows) Below explains what specifically is affected: https://www.yubico.com/keycheck/ My firmware version is 4.3.5 and Yubico states that version is unaffected. (I ...
by Rob5TCP
Tue Oct 17, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 3730

Re: Why not CDs instead of Short Term Bonds or TIPS

Kevin M.'s post last year and one earlier convinced me that the risk / reward ratio favored (and still does) higher yielding CD's. I've put the max into 7 year 3.04% CD's with a 6 month EWP. On some of my earlier CD's; they had a 60 day EWP and I closed those to put in the 3% CD's. I also use Ally's...
by Rob5TCP
Sun Oct 15, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 4106

Re: Antivirus Software Recommendations

Currently I have paid subscriptions to malwarebytes premium surf right hitman pro and mcafee suite. They say not to double up but I do anyway. I have mcafee out of convenience and I don’t feel like switching every year trying to get something free. I think I paid $30 and got licenses for all device...
by Rob5TCP
Sat Oct 14, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 4106

Re: Antivirus Software Recommendations

I use Norton Internet Security - yes there are moments when its overhead is annoying (copy a large # of small files is slowed down by Norton); I still prefer it. Along with Malwarebyte premium. Perhaps the most important is to keep Windows and other critical programs updates (I run qualsys to check ...
by Rob5TCP
Thu Oct 12, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2745

Re: A good value wine I found...

BTDT wrote:
Wed Oct 11, 2017 8:15 pm
FWIW- My Malwarebytes is blocking the image link

+1 same here