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Re: Divesting Stock with Sentimental Value

wesef wrote:I'll be back later with bewildered questions about figuring out the cost basis. Thanks again.


The cost basis is the value on the day that your wife's family member died.
by Luke Duke
Mon Jul 21, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1762

Re: Hints on Tri-Tip

I use coarse black pepper and kosher salt.
reverse sear until internal temp is ~130
let rest
slice
enjoy
by Luke Duke
Thu Jul 17, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Hints on Tri-Tip [Cooking]
Replies: 28
Views: 1830

Re: Is this realtor lying to me?

The appraisal will be used as the loan basis. Different loans require different down payments, ranges I know about are 95%, 80% and 70% for residential and condo. An appraisal requirement written into a purchase contract is pretty common when a mortgage will be obtained. With 50% cash down I can't ...
by Luke Duke
Thu Jul 17, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this realtor lying to me?
Replies: 27
Views: 3307

Re: Buying a camper

What we don't want * A/C - we would never use it * plumbing - no toilet, no shower, doesn't even need a sink - we would likely never even hook water up to a sink * cooking area - we cook outside, we would probably never use indoor cook top (but I understand these are pretty standard) * microwave * ...
by Luke Duke
Mon Jul 14, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2428

Re: Tapatalk Integration

+1 for TapaTalk
by Luke Duke
Fri Jul 11, 2014 2:27 pm
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 46
Views: 12697

Re: Smokers [for cooking]

bluemarlin08 wrote:Nope, the heart of Dixie all my life. Don't knock the gas smoker till you try it, I guarantee you can't tell the difference.


I guess that we're going to have to agree to disagree. The day that someone eats my BBQ and asks if it was cooked on gas is the day that I quit cooking BBQ.
by Luke Duke
Thu Jul 10, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4455

Re: Barbecue Set [Cooking tools]

jebmke wrote:My Thermapen is probably my most useful tool.


Thermapens are great (and pricey). I seem to dislike the tongs that come with every BBQ set that I have seen, so personally I prefer to buy my BBQ stuff individually.
by Luke Duke
Thu Jul 10, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1106

Re: Extremely Heavy Duty Office Chair

I spend a lot of time in front of the computer and would appreciate recommendations on high back swivel office chair with a well made, heavy duty cushion that won't sink after a few months. I'm currently using a $50 when on sale high back fake leather office chair from an office supply store that's...
by Luke Duke
Thu Jul 10, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1758

Re: Getting a universal remote that's really universal?

Logitech Harmony Here are some cheap older models. http://smile.amazon.com/Logitech-915-000148-Harmony-Remote-Devices/dp/B005O81U9S http://smile.amazon.com/Logitech-Harmony-Universal-Control-Entertainment/dp/B00J7KM5X4/ http://smile.amazon.com/Logitech-Harmony-Control-Discontinued-Manufacturer/dp/B0...
by Luke Duke
Tue Jul 08, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Getting a universal remote that's really universal?
Replies: 12
Views: 1001

Re: Smokers

I have used wood smokers for years, this is so much easier and no difference in taste. We own a catering firm and our clients can't discern the difference. Gas is used to heat the wood chips, the smoke is even and temp is much easier to control. I'm guessing that you live north of the Mason-Dixon l...
by Luke Duke
Tue Jul 08, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4455

Re: Large capital gain this year

I see posts like this (Eeek! I owe capital gain taxes!) fairly often on this forum. Which makes me ask this question (really): Has anyone on this board ever received a raise in salary and immediately stormed into the bosses' office and screamed, " How dare you give me a raise? Now I have to pa...
by Luke Duke
Tue Jul 08, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 79
Views: 4153

Re: Newly Married Couple Starting Retirement Planning

SSgA U.S. Bond Index Non-Lending Series Fund (Class C) None/CMCZ2 SSgA Russell Small Cap Index Non-Lending Series Fund (Class S) None/CM717 n/a SSgA S&P Mid Cap Index Non-Lending Series Fund (Class C) None/CMK22 n/a SSgA Emerging Markets Index Non-Lending Series Fund (Class C) None n/a SSgA Int...
by Luke Duke
Tue Jul 08, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married Couple Starting Retirement Planning
Replies: 8
Views: 891

Re: Eneloop batteries in smoke detectors

This is not a good idea. ever , for about 5 technical reasons. Most important is that the voltage drop from rechargeables is so fast you will not get the proper warning of the failing battery Eneloops don't self-discharge like other rechargable batteries. With this being said, I wouldn't use them i...
by Luke Duke
Thu Jul 03, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1738

Re: Time to buy a tv or wait 2 years?

One key thing to remember about TVs is "one minute of one degree" which is roughly the resolution of the human eye. Sure 4K TVs look great in the store where you're standing close up to them, but that's not the way most people watch TV. From what I recall, I need to be closer than 11 or s...
by Luke Duke
Thu Jul 03, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5662

Re: Help solving a car dilemma

Sounds like your wife needs to drive the Pilot more.
by Luke Duke
Wed Jun 25, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Help solving a car dilemma
Replies: 18
Views: 2492

Re: New water heater needed - local plumber or Home Depot, L

My gas water heater stopped working. I relit the pilot light after several attempts. It went out by the next morning. I went to Home Depot, but they do not have an installation agreement with a plumber at present. So I drove to Lowe's, and purchased a Whirlpool . I am waiting to hear from the insta...
by Luke Duke
Mon Jun 23, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4229

Re: Craftsman Shop-Vac replacement filters

How can you need a new filter after only a month? Do you realize that you can clean them? Like: No, I didn't know you could clean them. Just clean it with water even though it is made of paper? I just take mine outside and throw it about 5-10 feet in the air and let it land on the driveway. Do that...
by Luke Duke
Fri Jun 20, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 603

Re: How to handle maxing a 401k with unknown bonus amount

My company does not move any money (either mine or matching) to my 401k from bonus checks. Perhaps her company does the same.
by Luke Duke
Fri Jun 20, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: How to handle maxing a 401k with unknown bonus amount
Replies: 9
Views: 876

Re: Avoiding Paypal/Ebay Scam

I've never used it...
https://www.escrow.com/
by Luke Duke
Thu Jun 19, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2040

Re: Copying Home Movies to DVD

Made some home movies using a Canon digital camera. Combined those into one movie using Windows Movie Maker, (result is a .wmv file) Then tried burning to a DVD using Windows Explorer (Windows 7). The resulting DVD seems to be readable and playable on a PC (both the one it was burned on and my wife...
by Luke Duke
Thu Jun 19, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Copying Home Movies to DVD
Replies: 6
Views: 414

Re: Advice on my life insurance plan

BruDude wrote:What risk class was applied to the policies you already have? $60/mo for a 30-year-old buying a $500k 20-year term policy seems pretty high. Same with $40/mo for a 29-year-old female buying the same coverage.


My wife and I are about the same age and have $1.5mil policies for about the same price.
by Luke Duke
Thu Jun 19, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on my life insurance plan
Replies: 13
Views: 733

Re: Electronic person-to-person payments

thedayisbrave wrote:Paypal is easy, but takes a cut.


Not if you fund it from your bank account and if you select "I'm sending money to family or friends"
by Luke Duke
Thu Jun 19, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic person-to-person payments
Replies: 15
Views: 1166

Re: Craftsman Shop-Vac replacement filters

How can you need a new filter after only a month? Do you realize that you can clean them?
by Luke Duke
Thu Jun 19, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 603

Re: Satellite Investments

1. How long do you have to hold the stock before you can sell it? If you have to hold for another 6 months - 1 year, it sounds like a great way to make 15% on your money. Any longer than that, and it might be too risky. Yeah, I forgot to mention this. You have to keep it in their for 18 months befo...
by Luke Duke
Wed Jun 18, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Satellite Investments
Replies: 11
Views: 655

Re: Buying a new mattress and bedding

rustymutt wrote:For example, I got 3 big mattress firms to compete for my business on a Tempur Pedic, and got a $3800 mattress for $1800.


Or you could have spent $2-600 on Amazon for a no-name memory foam mattress.
by Luke Duke
Mon Jun 16, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 36
Views: 2698

Re: Watch battery replacement gone bad. What to do???

I change the battery on my watch myself, granted it isn't a very expensive watch.

http://www.amazon.com/GGI-Deluxe-16-pie ... 000T9VK56/
by Luke Duke
Mon Jun 16, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1059

Re: New water heater needed - local plumber or Home Depot, L

the anode is stainless steel http://en.wikipedia.org/wiki/Talk%3AElectrolysis The use of stainless steel(SS) as an anode should be approached with great caution or best yet, avoided altogether. SS contains chromium. No matter what misinformation you may have read on the internet, SS anodes ARE INDE...
by Luke Duke
Mon Jun 16, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4229

Re: I cannot make the jump and retire

obgyn65 wrote: 95% of my assets are in CDs or munis.


:shock:

This is a good way to outlive your money. I would definitely recommend reading some books on the Boggleheads reading list.
http://www.bogleheads.org/wiki/Category ... nd_authors
by Luke Duke
Mon Jun 16, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8062

Re: New water heater needed - local plumber or Home Depot, L

My water heater is getting up there in age. Is preemptive replacement recommended? You can extend the life of a water heater by replacing the anode. IIRC, this is recommended every 5 years or so. It is much less expensive than a new tank. I had a plumber do this recently, and the total cost was abo...
by Luke Duke
Thu Jun 12, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4229

Re: Selling mineral rights to land?

How badly does your MIL need $5000?
by Luke Duke
Thu Jun 12, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling mineral rights to land?
Replies: 21
Views: 1384

To form an(other) LLC or not

I am currently an investor in a small business. The other investors and I are members of an LLC that owns 49% of the business. Are there any advantages (or disadvantages) to forming my own LLC and having my interest in the other LLC owned by my personal LLC instead of being owned my me personally? A...
by Luke Duke
Fri Jun 06, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: To form an(other) LLC or not
Replies: 4
Views: 443

Re: House selling question (buyers more interested in the lo

If it is going to be a teardown, then it is pointless to stage it. I know someone who sold their house and she knew with 100% certainty that it would be torn down. She didn't even let any of the prospective buyers inside the house. She had no problem selling it for a good price.
by Luke Duke
Mon Jun 02, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: House selling question (buyers more interested in the lot)
Replies: 37
Views: 2707

Re: 1 Year Bogleheadiversary - Before and After Picture

Since it appears that you will end up with a lot of money in your 529 accounts, it might be wise to have 529s in multiple states. This will allow you to spend down the ones with the most gains first. That way, if you have money leftover, your penalty on the gains is less.
by Luke Duke
Fri May 30, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Year Bogleheadiversary - Before and After Picture
Replies: 62
Views: 7053

Re: 529? What if they don't go to college

http://www.bogleheads.org/wiki/529_plans That's a lot of info, but down towards the bottom is the section on tax considerations. Should this part of the wiki be more clear: Withdrawals from a 529 Savings Plan are considered non-qualified withdrawals if they are in excess of qualified education expe...
by Luke Duke
Fri May 30, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 5975

Re: Beneficiary to Large Insurance Policy - AA?

You have a mid-7 figure portfolio and you have a $1mil life insurance on your 70 yr old mother?!? Does your brother really need the money?
by Luke Duke
Thu May 29, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beneficiary to Large Insurance Policy - AA?
Replies: 13
Views: 842

Re: Do you have a safe deposit box at a bank or credit union

I don't, but my parents do. I keep a few documents in there.
by Luke Duke
Thu May 29, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Do you have a safe deposit box at a bank or credit union?
Replies: 31
Views: 2334

Re: Convincing a parent to retire

It sounds like selling makes sense. He can probably negotiate that he be hired back part time by the new owner.
by Luke Duke
Thu May 29, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Convincing a parent to retire
Replies: 19
Views: 3109

Re: Austin, TX Things To Do?

Eat some BBQ.
by Luke Duke
Tue May 27, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 740

Re: How much house should I buy? (young person with many ass

Buy a house if you are sure that you want a house. I bought my first house when I was 22, single and making ~$50K and I never regretted it. Of course it was a $100K house, not a $250K house. I owned it for about 5 years and sold it for about 15% more than I bought it for. You earn a $48.5K salary. H...
by Luke Duke
Fri May 23, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5469

Re: $300K to Invest at Schwab

In order to get any meaningful advice you need to let us know about everything, even if it's stuff that you don't want to sell for tax (or any other) reasons.
by Luke Duke
Thu May 22, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: $300K to Invest at Schwab
Replies: 12
Views: 1362

Re: Convince me to choose a Suburban over a Sequoia

killjoy2012 wrote:You could also look for Ford Excursions, but I believed they stopped production in 2005. Not sure what year is your cutoff.


That's what I did. Definitely do your research before you buy the 6.0L. I was able to find one that had most of the necessary "bulletproofing" work already done.
by Luke Duke
Mon May 19, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4032

Re: What is the best brand of 3 ton air conditioner & furnac

I've had a Goodman A/C and furnace for 6 years. I have had no problems with the unit itself. I did have problems with some shortcuts that the installer took. After I spent $300 to fix those, I have had no problems.
by Luke Duke
Fri May 16, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2578

Re: Squirrels ate through sceen, plastic & wood to get bird

The only good squirrel is a dead squirrel.
by Luke Duke
Wed May 14, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Squirrels ate through sceen, plastic & wood to get bird feed
Replies: 37
Views: 1940

Re: Car buying psychology

tc101 wrote:Is there somewhere online that I can look at all the different option packages for a car?

I want power seats but not much more. I want to see exactly what the packages are.

I am looking at a Ford Fusion.


Um, http://www.ford.com/
by Luke Duke
Mon May 12, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Car buying psychology
Replies: 30
Views: 2659

Re: Should wife take new job offer- pregnant? FMLA issues?

Why would she ever accept a job offer without first knowing what her benefits would be? She should tell the recruiter that she is very interested, but she needs to see the benefit package and company policies regarding insurance, vacation, STD, etc. first.
by Luke Duke
Fri May 09, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should wife take new job offer- pregnant? FMLA issues?
Replies: 24
Views: 1326

Re: Region 2 DVD

I also recommend VLC.
by Luke Duke
Tue May 06, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Region 2 DVD
Replies: 21
Views: 1138

Re: How to Prevent Investment Adviser Fraud

The only way to guarantee that you aren't the victim of investment advisor fraud is not to use an investment advisor.

If that isn't an option, then remember that if it sounds too good to be true, then it probably is.
by Luke Duke
Tue May 06, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Prevent Investment Adviser Fraud
Replies: 16
Views: 1139
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