Search found 3418 matches

by Rob5TCP
Sat Jun 29, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 132
Views: 8035

Re: Relocate to Seattle or NYC

If you can negotiate one a week at the office and 4 days WFH, the NYC choice is a clear winner. You could easily live even 50-75 miles away -- if the office is near Grand Central you can live many places North of the city and have a fairly stressfree commute. If near Penn Station you have NJ with NJ...
by Rob5TCP
Fri Jun 28, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

SUBLETTING a Rent Control APT in NYC is strictly a violation of the lease... Good luck shaking down an NYC landlord with fruit from a rotten tree. This is why we can't have nice things anymore. If I was the landlord I would fight you tooth and nail, when you finally get to court in 3-4 years. If yo...
by Rob5TCP
Fri Jun 28, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

I did a very rough calculation (number cruncher could probably do a better job) If someone took an apartment in 1990 and the rent was $100; by 2019 he would be paying approximate $200.00. This assumes it is the same tenant taking the 2 year lease option every year. And it makes two major assumptions...
by Rob5TCP
Thu Jun 27, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

I We pulled the rental records on our apt from the city and saw suspicious jumps in the rent. From 500 to 1100 in the 90’s and then up to $2000. The lawyer says these were likely illegal jumps and that our rent should be about $780 a month. According to the current laws, we can sue for rent over ch...
by Rob5TCP
Thu Jun 27, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

I am a NY lawyer but this is not my area of practice. I am familiar tangentially with this area of the law through education only. This does not constitute legal advice. NYC has had a number of different rent control / rent stabilization schemes since WW2. Only buildings constructed at the time of ...
by Rob5TCP
Thu Jun 27, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you drop this LTC policy?
Replies: 15
Views: 1082

Re: Would you drop this LTC policy?

This calculator would give you an estimate of what this policy would cost today.
https://www.genworth.com/products/care- ... lator.html
by Rob5TCP
Thu Jun 27, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Would you drop this LTC policy?
Replies: 15
Views: 1082

Re: Would you drop this LTC policy?

For the rate you are paying <$500 per year. It is a steal. Even though the benefits are limited; you are dropping it just as the point it might have real value (10-20 years). Check to see what it would cost to replace today. I would keep it -- you are paying chump change. If you need more, get a sep...
by Rob5TCP
Thu Jun 27, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

If the lease is in HIS name; he is fine. If the lease is still in the other person's name
he is out of luck
by Rob5TCP
Thu Jun 27, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

Your chances of success depend heavily on local law and precedent, which means you really need to rely on the advice of local counsel with experience in such matters. Ultimately, you have to decide if your chances of success and the associated economic benefit you hope to obtain will justify the ce...
by Rob5TCP
Thu Jun 27, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5614

Re: NYC Apartment to sue or not to sue

These laws have been in effect for 75+ years. When they bought the building they knew the laws. So you are within your rights to sue for overcharging. The lookup period is 6 years. What I understand that to mean, if you were given 6% increases with the rent stabilization law said it should be 3% (ac...
by Rob5TCP
Tue Jun 25, 2019 2:26 pm
Forum: Investing - Theory, News & General
Topic: I-bonds vs Ally
Replies: 9
Views: 1597

Re: I-bonds vs Ally

If inflation picks up to say 4% a year- your combined rate would go to 4.5% a year
vs. whatever your CD rate is.

It's a hedge against UNEXPECTED inflation. The difference between CD's & I Bonds
is frequently .2-.4% because I Bonds are an inflation hedge.
by Rob5TCP
Tue Jun 25, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: I-bonds vs Ally
Replies: 9
Views: 1597

Re: I-bonds vs Ally

If from a high tax state, I Bonds are SALT free.
Also, they are an inflation hedge, which CD's are usually not.
by Rob5TCP
Tue Jun 25, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 56303

Re: WSJ Digital Subscription - a bargain!

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. Well it stopped today -- after calling WSJ support - it seems my subscription was a complintary one and it ended 2 weeks ago. No money was ever...
by Rob5TCP
Sun Jun 23, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8953

Re: How do you approach tipping at carry-out restaurants

I used to tip wake out fairly generously say 15-20%, especially at low end take out. But the NYC tipped wage must equal $15 per hour now; so I usually just throw in a dollar or two. The owner, must make up the difference if it doesn't reach $15 per hour (plus an extra hour if they go over an 8 hour ...
by Rob5TCP
Thu Jun 20, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 85
Views: 11535

Re: Vanguard won't service the annuities in a year?

If this also applies to SPIA; I am going to start considering other options than Vanguard.
Thank you for pointing this out. I will have to check if this applies to all Annuities
or just variable.
by Rob5TCP
Tue Jun 18, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 52
Views: 5583

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

What will happen in two years - maybe I will move to RCN (Spectrum a/k/a Time Warner is my last choice). I'm curious why Spectrum is your last choice. I had RCN years ago (maybe in 2008) and I was not pleased. And the customer service made Verizon look good in comparison. I had RCN 15 years ago or ...
by Rob5TCP
Mon Jun 17, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 3473

Re: Capital One will only send security notices if you let them spy on you once in a while

This seems absurd --- If I open an email every 6 months, will it will then not be interuppted. If it drops a tracker I can quickly remove it. The main problem I have leaving Capital one is I get 2% on any c.c. charges and have 6 figures in points (which I would need to quickly could use up). This n...
by Rob5TCP
Sun Jun 16, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 52
Views: 5583

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

I just did my every two years negotiations with Verizon FIOS. My rate had gone up from $113 to $130.77. I have an 800 number for renewals and called. She could give me a different plan since mine was discontinued; but it would cost more. What she did find on TV service, (I allowed her to look at my ...
by Rob5TCP
Sun Jun 16, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 3473

Re: Capital One will only send security notices if you let them spy on you once in a while

This seems absurd --- If I open an email every 6 months, will it will then not be interuppted. If it drops a tracker I can quickly remove it. The main problem I have leaving Capital one is I get 2% on any c.c. charges and have 6 figures in points (which I would need to quickly could use up). This ne...
by Rob5TCP
Sun Jun 16, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 3473

Re: Capital One will only send security notices if you let them spy on you once in a while

I have extensions to my browser that rate and block tracking that I do not wish.
So far no problems with Capital one.

I find Google to be a much greater threat to my privacy than Capital One (I use duckduckgo instead of Google search,
Firefox instead of Chrome, etc and am slowly getting off Gmail.)
by Rob5TCP
Thu Jun 13, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 5201

Re: Best source for buying Gold Coins

Apmex regularly has "sales" on Ebay. I find the prices for NGC graded coins highly competitive. I look for grades 62-65. Usually the more common gold goins are $40 - $150 above melt value in an NGC high grade condition. Don't expect any of the rarer ones to show up at these prices. This one is not o...
by Rob5TCP
Thu Jun 13, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 5631

Re: 40+% increase in auto policy (GEICO) - normal?

My auto insurance has gone down a fair amount over the last few years.
However, my umbrella policy went up 33% over 3 years.
When I called I received basically the same answer you did.
Since the umbrella is a the major part of my insurance costs, I stayed
with GEICO.
by Rob5TCP
Thu Jun 13, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Is a 401K Worth It as a Small Business Owner?
Replies: 24
Views: 2006

Re: Is a 401K Worth It as a Small Business Owner?

Here are some sites comparing the most popular small business retirement plan options: https://www.fidelity.com/retirement-ira/small-business/compare-plans https://obliviousinvestor.com/sep-vs-simple-vs-solo-401k/ https://www.usaa.com/inet/wc/investments-ira-compare-sep-simple?akredirect=true https:...
by Rob5TCP
Mon Jun 10, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Travel Advice driving through NYC to Long Island
Replies: 19
Views: 1719

Re: Travel Advice driving through NYC to Long Island

I would compare options on Google and Waze. The time you hit the area reflects (to a degree) the amount of traffic you will encounter. You don't want to be going towards the LIE at 5:30 at night heading East. I've found usually 2pm or a bit earlier for best (or at least not the worst) traffic (for d...
by Rob5TCP
Sun Jun 09, 2019 11:08 am
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1629

Re: How to find a reputable, fee-only advisor?

You can’t get much cheaper than this firm. https://planvisionmn.com/ How is that even possible? If they spend 1-2 hours a year on your portfolio; that works out to $96 per hour (at best) and more likely $48 or less per hour? I have used plan vision for about 6 months. I can personally say, Mark is ...
by Rob5TCP
Sun Jun 09, 2019 7:33 am
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1629

Re: How to find a reputable, fee-only advisor?

mickens16 wrote:
Sat Jun 08, 2019 10:09 pm
You can’t get much cheaper than this firm.

https://planvisionmn.com/
How is that even possible? If they spend 1-2 hours a year on your portfolio; that works out to $96 per hour (at best) and more likely $48 or less per hour?
by Rob5TCP
Thu Jun 06, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Trip to Watertown, CT
Replies: 15
Views: 1417

Re: Trip to Watertown, CT

I have a client in Waterbury that I spend a couple of days a year with. Virtually nothing is interesting in/around Waterbury. However, Hartford, West Hartford is another story. Mark Twain House: https://marktwainhouse.org/ accross the street is the Harriet Beecher Stowe House https://www.tripadvisor...
by Rob5TCP
Wed Jun 05, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 3337

Re: Recommendations for "Backup" software

I have been using 2nd copy for years both at home and the office. I like it because you can configure it to use a simple file copy from source to destination. That way you can access your files in the destination (USB or NAS as an example) at any time without going through a restore process. You ca...
by Rob5TCP
Tue Jun 04, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 10231

Re: Costco or Sam's Club?

Several times, I've done a test. I've shopped at Sam's club and kept a record of what I bought (mostly stuff from my list). I've done the same with Costco and always come out with 2x my list. For some of the organic products I buy, Costco seemed to have better quality. I've seen much better reviews ...
by Rob5TCP
Mon Jun 03, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4177

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I no longer use Chrome but Firefox for my web browser (in privacy mode) For Firefox, 1. Privacy badger to block trackers 2. Duckduckgo privacy essentials (rates each website on privacy) 3. Noscipt to block unwanted javascripts 4. AdBlockerUltimate to block ads 5. Duckduckgo as my search enginge I am...
by Rob5TCP
Sun Jun 02, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: Your favorite international stock mutual fund
Replies: 16
Views: 1892

Re: Your favorite international stock mutual fund

I also use Vanguard's Total International in my Roth account. Though the last five years
it's been tough to rebalance domestic vs. international by selling Total US and buying
Total International. Hopefully in the LONG run it will "balanceou" out.
by Rob5TCP
Sat Jun 01, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12620

Re: How long have you been unemployed?

For over 2 years after I stopped grad school (and my first real job). I was fired and decided to take some time off. For part of the time I lived at home. For about 15 months I lived in San Francisco with a side "gig" I had near zero expenses. Rent was very cheap in the 80's in shared house on Van N...
by Rob5TCP
Sat Jun 01, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Discover Identity Theft Protection - $15/month
Replies: 13
Views: 1266

Re: Discover Identity Theft Protection - $15/month

A few years back I had a period of 4 stolen C.C. #'s (on the same card) within a two year period. I fought to get the pin as soon as it was available. Plus I do ALL my online shopping with virtual credit cards only. I've not had a card # stolen. That plus putting a freeze on all the major credit ser...
by Rob5TCP
Sat Jun 01, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 6133

Re: Required Minimum Distributions

Vanguard willl w/h 10% of Federal unless advised otherwise by you.
For state w/h they withhold for the following states only:

https://vanguard.com/pdf/sawtc.pdf
by Rob5TCP
Wed May 29, 2019 3:27 pm
Forum: Personal Investments
Topic: Married to an S-Corp owner
Replies: 12
Views: 1390

Re: Married to an S-Corp owner

Here is a short primer from Fidelity -- there are different options for each type of IRA. But, I believe all will also involve employees. I am a single employee S corp - I went with a SEP for simplicity. That would probably not be the best choice for your Wife. https://www.fidelity.com/viewpoints/re...
by Rob5TCP
Wed May 29, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Can I deduct a loss for non-paying patients?
Replies: 48
Views: 4057

Re: Can I deduct a loss for non-paying patients?

You may be able to deduct losses if you switch to accrual accounting instead of cash accounting. Under accrual accounting you would recognize all revenue when you earn it (perform the service) and then recognize losses when they are written off as uncollectable. So there is an option that allows a ...
by Rob5TCP
Sat May 25, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: A $2M Scam by a Former Vanguard Supervisor
Replies: 7
Views: 3520

Re: A $2M Scam by a Former Vanguard Supervisor

Thank you - the article was fascinating: The employee was at Vanguard for 23 years.
Wow.

http://money.com/money/5639218/vanguard-account-fraud/
by Rob5TCP
Sat May 25, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9362

Re: Any audiophiles on this forum?

I did miss the clarity and coherence of the Thiel's but my taste were changing. Sorry to be a wise guy, but presumably your tastes weren’t changing to “unclear and incoherent.” Was the greater video emphasis the thing? More bass power sought, greater midrange emphasis for dialogue, etc? I love my h...
by Rob5TCP
Sat May 25, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9362

Re: Any audiophiles on this forum?

Had the Thiel 3.5 with an Adcom amp many years ago. Bought it all the Boglehead way (used when newer models came out). When the Adcom blew: a dealer (I believe Innovative Audio) recommended sky high priced amp/pre amp. Since digital was taking over the market I sold my Thiel's and bought equipment m...
by Rob5TCP
Fri May 24, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: How Do You Organize Your Flash Drives?
Replies: 39
Views: 2964

Re: How Do You Organize Your Flash Drives?

What about an encrypted segment on your hard drive.
I use Versa crypt (recommended on Bogleheads years ago). I decrypt
periodically to add new files and to find some records.
The password is over 50 characters (stored on KeePass).
by Rob5TCP
Mon May 20, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1894

Re: Dealing with construction noise

I went through this in my apartment when they did heavy renovation (and some demolition work) on the apt below me. I bought the Bose and the difference was substantial. During the demolition work; I had to leave because the vibrations were horrible (including some photos falling off the wall). Most ...
by Rob5TCP
Sat May 18, 2019 12:28 pm
Forum: Personal Investments
Topic: 4.50% Callable CD vs Bonds
Replies: 11
Views: 2427

Re: 4.50% Callable CD vs Bonds

This seems awful. It's callable. You can get 3% and more on 5-10 year CD's now. (Some c.u. have been offering 3.5% and more sporadically). And should rates raise significantly you can usually cash in with an EWP. These are callable by the issuer should interest rates fall; but your stuck if rates ri...
by Rob5TCP
Fri May 17, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5775

Re: Capital One Eno

seems like a whole lot of hassle for something that is already zero liability. +1 Or am I missing something? In a 2 year period, my card was compromised 3 times. Since the chip and virtual card #'s; I've not had one compromised card. I am not worried about the liability; it's the hassle of replacin...
by Rob5TCP
Fri May 17, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5775

Re: Capital One Eno

I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the ...
by Rob5TCP
Thu May 16, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 3100

Re: Impossible Burger At Home

I've bought Beyond Meat several times. Being a vegie, I'm not the best one to compare. My carnivore friends tell me it makes a good burger, but certainly not a great one. The local Fairway, frequently is out of it; so it seems to have more demand than product. (also Fresh Direct used to have it). Th...
by Rob5TCP
Wed May 15, 2019 12:53 pm
Forum: Personal Investments
Topic: One time fee only advisor - costs?
Replies: 20
Views: 2159

Re: One time fee only advisor - costs?

For a few hundred dollars, it would be worth it to me
to get a second opinion (objective, fixed fee, non
commission advisor).
by Rob5TCP
Tue May 14, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5775

Re: Capital One Eno

Yes I suppose. Not to sound cynical, but it is also a good way for the bank to collect data on your surfing habits even when you're not using the card. Still, I've been in the habit of using it for years and I will continue to do so. When I tried to make a library donation recently with the same vi...
by Rob5TCP
Tue May 14, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5775

Re: Capital One Eno

Old thread, but hey it's only one post. I love Capital One Eno. It took me a while to get the hang of it, though. What is it? What I'm wondering, though, is does it really help protect against fraud? Most of the websites that I dare to use a card with already have good security. And, if someone wan...
by Rob5TCP
Tue May 14, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5775

Re: Capital One Eno

It's been great !! Currently i use it at over 50 sites. I close that # as soon as I finish the purchase. Then re-open when I wish to make another purchase. Monthly sites I leave open. This is far more secure than just using my one c.c. number at 50 different sites. Great idea. Should have been imple...
by Rob5TCP
Mon May 13, 2019 5:35 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard ETF and MF works
Replies: 2
Views: 603

Re: How Vanguard ETF and MF works

That's what happens when Vanguard clients are the "owners".
Always looking to lower costs and taxes.