Search found 3099 matches

by Rob5TCP
Fri Oct 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2774

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: 6120

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: 1975

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: 1278

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: 1278

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: 1278

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: 951

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: 1541

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: 47
Views: 2785

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: 47
Views: 2785

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: 47
Views: 2785

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: 1541

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: 47
Views: 2785

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: 47
Views: 2785

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: 667

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: 1541

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: 1541

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: 1541

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: 1541

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: 412

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: 1541

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: 1541

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: 1541

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: 1035

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: 220
Views: 57580

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: 9996

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: 9996

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: 3997

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: 1472

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: 1472

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: 1047

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/
by Rob5TCP
Sat Sep 08, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Building a web site-how to, costs?
Replies: 13
Views: 798

Re: Building a web site-how to, costs?

I've designed my own website on Godaddy for about 10 years (no coding -- just drag/drop). Five years ago, I hired a one man operation to revamp my website (cost about 1.5K). Since I am very much a niche product, the website paid for itself within days of setting up (today not nearly so much - but st...
by Rob5TCP
Fri Sep 07, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4030

Re: Recommend a good SOCK. Yes, I said SOCK!

A little more verification for Darn Tough. On Amazon, Fakespot has given Darn Tough an
A (and their 4th highest level of reviews) for honest reviews.

https://www.fakespot.com/company/darn-tough
https://www.fakespot.com/companies

I buy several different socks on sale, but prefer Darn Tough.
by Rob5TCP
Sat Sep 01, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29904

Re: Umbrella insurance..who has it? Is it recommended?

I have it - it's relatively cheap $300 or so for $2 million.
It covers my apt, an apt I own and rent out, and my car.
One reason to have a higher value, if I am sued I want their
higher quality attorneys. If I have $100,000 liability, I feel
they will sent their "bottom line" ones.
by Rob5TCP
Fri Aug 31, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5179

Re: Will I ever sell Ibonds from 2001 - 3% fixed

I also bought the 3.4% and 3.0% 17-18 years ago. Two people I respect (Andrew Tobias and our own Mel L.) recommended them, so I bought as much as was allowed back then. Never thought I would end up holding them for 30 years - but that will probably be the case. I will sell over 2-3 years - also to m...
by Rob5TCP
Thu Aug 30, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Fund Manager Software
Replies: 14
Views: 852

Re: Fund Manager Software

Ive used MS Money for many years and am quite satisfied with how it handles my
personal finances (tried Quicken but gave up after trying two different versions).
I am going to download the demo and see if it gives me enough added useful info
that it's worth switching from MS Money.
by Rob5TCP
Tue Aug 28, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4030

Re: Recommend a good SOCK. Yes, I said SOCK!

I also vote for Darn Tough. When on sale, I also look at Farm to Feet, Smartwool, and REI socks. Right now there is a sale at REI (up to 40% off on those four brand (shameless plug for REI) at their warehouse online sale. https://www.rei.com/rei-garage/c/mens-socks?r=c&origin=web&queryRule=outlet-on...
by Rob5TCP
Mon Aug 27, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155387

Re: Boglehead Beer

I don't drink beer often, but when I do
I prefer Samuel Adams.

Stay thirsty my friends.
by Rob5TCP
Sat Aug 25, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Former Kaspersky user, PCMATIC?? or what as a replacement?
Replies: 23
Views: 1470

Re: Former Kaspersky user, PCMATIC?? or what as a replacement?

Malwarebytes is the best secondary defense. They are NOT highly rated on preventing infections, but very well rated on removing infections. I use Norton (more out of long term habit) along with Malwarebytes and HitManPro Alert. I do quick scans every day, full scans with Norton and HItManPro every w...
by Rob5TCP
Fri Aug 24, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Watch out for "COM" online credit card charges
Replies: 15
Views: 3372

Re: Watch out for "COM" online credit card charges

Good tip - there is always something new from the "slimers" out there.
by Rob5TCP
Thu Aug 23, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: New York Rental - Lost Deposit due to Real Estate Agent
Replies: 29
Views: 2727

Re: New York Rental - Lost Deposit due to Real Estate Agent

Are they holding the deposit - or has it already been cashed.
If it is being held you can approach the bank about disputing it (though you would have to put up other funds).
by Rob5TCP
Sun Aug 19, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lending money to Goldman Sachs?
Replies: 6
Views: 1258

Re: Lending money to Goldman Sachs?

A review of this (from a few years ago) You shoulder all the risks. Should, for any reason rates should start to decline; yours will be recalled. If they stay the same or continue to rise; this will act as any other CD (except there is no redemption option, I believe these have to be sold on the sec...
by Rob5TCP
Sat Aug 18, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements on International Investing
Replies: 2
Views: 581

Jonathan Clements on International Investing

Mr. Clements gives a concise answer on international investing. These past few years have been tough and especially this year has been a 13% difference between my international and US. Mr. Clements rather concisely reinforces why we own overseas. He has been a respected reporter/blogger for many yea...
by Rob5TCP
Thu Aug 16, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 52
Views: 5874

Re: Maturing Credit Union 3% CD's this year

I imagine a lot of money came into PenFed for that 3% CD offer. I wonder if they will have a good offer to retain those funds. Otherwise, I'll be transferring back to Fidelity where it came from. BTW, I discovered that my CDs at PenFed were set to auto-roll. You change the setting online to have it...
by Rob5TCP
Wed Aug 15, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: 5% 7 month CD - in Miss. or if connected to any of 300 SEG's
Replies: 0
Views: 411

5% 7 month CD - in Miss. or if connected to any of 300 SEG's

This is 5% with 1K minimum and no maximum
However, you need to be a member of one of 300 SEG's (select employee groups)
or live in certain areas of Miss or Louisiana

I don't qualify

https://www.depositaccounts.com/banks/k ... cu/offers/
by Rob5TCP
Sun Aug 05, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Perfecting Cold Brew Coffee
Replies: 14
Views: 1383

Re: Perfecting Cold Brew Coffee

I use the Coffeesock (bought on Amazon) - a 1/2 gallon jar and re-useable "sock" filter made of cotton. https://www.amazon.com/CoffeeSock-ColdBrew-Reusable-Organic-KIT64/dp/B00L7478JE/ref=sr_1_3?ie=UTF8&qid=1533507459&sr=8-3&keywords=coffee+sock I mix 1/2 pound of decaffeinated Peruvian organic coff...
by Rob5TCP
Sat Aug 04, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 907

Re: Browser security question

Your browser history will show everywhere you have been. It will NOT store your password (unless using a Firefox/Safari password manager). I use a password manager, Keepass, because it has stronger encryption than the browser default password manager. I always exit my browser and delete history afte...
by Rob5TCP
Thu Aug 02, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: online break CD calculator
Replies: 3
Views: 606

Re: online break CD calculator

go_mets wrote:
Thu Aug 02, 2018 4:13 pm
Rob5TCP wrote:
Wed Aug 01, 2018 9:27 pm
what is the EWP (Early withdrawal penalty)

https://www.depositaccounts.com/tools/b ... lator.aspx

Would the calculations also depend on the length of the new CD?
The calculator asks for the length and the penalty of the CD as well as the
rate for the new CD.
by Rob5TCP
Wed Aug 01, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: online break CD calculator
Replies: 3
Views: 606

Re: online break CD calculator

what is the EWP (Early withdrawal penalty)

https://www.depositaccounts.com/tools/b ... lator.aspx