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Re: Hybrid electric water heaters

We currently have a gas water heater, the city gas charges us $150 a year to just have them as a service provider. When we purchase gas the charge us for fuel delivery which is $150 then the cost of the gas itself. If we don't need to purchase gas for the next year that's when they charge us the $1...
by Luke Duke
Fri Nov 21, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Hybrid electric water heaters
Replies: 6
Views: 500

Re: What doyou splurge on?

Tools
Meat
by Luke Duke
Fri Nov 21, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 103
Views: 4864

Re: Do freecyclers resell?

Jack FFR1846 wrote:Friday is trash day. I put the stuff out Saturday. If it's still there by Friday, the trash guy takes it.


I'll bet the neighbors love looking at your trash for a week.
by Luke Duke
Fri Nov 21, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 1605

Re: What were your biggest financial emergencies?

I've never unexpectedly needed cash in a hurry for an emergency. Credit cards have always sufficed.

However having cash on hand has come in handy in negotiating for discounts with craftspeople who do work at my house.
by Luke Duke
Fri Nov 21, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3681

Re: Do freecyclers resell?

Ged wrote:
livesoft wrote:I am always happy when somebody can find economic value in these cast-offs.


Exactly. I actually like it when the pickers dig through the trash during bulk pickup week. My stuff gets either reused or recycled and I don't have to mess with it.
by Luke Duke
Thu Nov 20, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 1605

Re: Poll: How much $ for childcare?

The poll is pretty worthless. The price of daycare varies a great amount depending on where you live. It can also vary greatly in a fairly small area too. I have a friend that spends $1200 mo for one kid at a fancy place where every teacher has a 4yr degree and several have masters. There are iPads ...
by Luke Duke
Thu Nov 20, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much $ for childcare?
Replies: 20
Views: 1827

Re: Could you rent out your house?

Maybe I am too cynical but something just doesn't sound quite right about this. Why would anyone pay $1,000 a night to stay in your house? A decent sized house can easily sleep 10 people. You would need 3 hotel rooms to do the same. For an even this size, 3 rooms would probably cost $1000/night. Th...
by Luke Duke
Mon Nov 17, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 67
Views: 3763

Re: Help! Need Liquid Cash!

Or this could be an option:
viewtopic.php?f=2&t=146234
by Luke Duke
Fri Nov 14, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2409

Re: Help! Need Liquid Cash!

The most obvious is to make the minimum payment on the CC bills and not to pay in full. This. Even if you have an interest rate of 24% a balance of $2K will only run you $40/mo in interest. Hardly the end of the world. If it's an AMEX (Why would you charge an amount that you couldn't pay in full on...
by Luke Duke
Fri Nov 14, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2409

Re: 10y - Plan Review

I agree about the insurance. If you and your wife are in good health you should be able to find some 20yr term policies for a pretty reasonable price.
by Luke Duke
Fri Nov 14, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10y - Plan Review
Replies: 17
Views: 1084

Re: I have seen the enemy and it is me. Reluctance to inves

As others have said, the fact that you have a pension with a COLA which covers your expenses is a big plus. This gives you a lot of freedom to actually take on more risk with the $1.3 million available to invest. The fact that you mention that not being able to pass along the pension to heirs tells...
by Luke Duke
Thu Nov 06, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3372

Re: What To Do With $85K Inheritance?

If you want more rentals, I would use the money for down payments on 2-3 more suitable properties.
If you don't want more rentals, I would get rid of your PMI, pay down rental #2 and refinance it to an ARM or whatever else has the lowest interest rate and have it paid off in 3 yrs.
by Luke Duke
Thu Nov 06, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What To Do With $85K Inheritance?
Replies: 46
Views: 2804

Re: Money saved by buying a hybrid or electric car?

Can you get 3 car seats in any of these EVs?
by Luke Duke
Tue Nov 04, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6165

Re: Automatic shutoff for water leaks?

I have these and they work. And how! Loud screetching alarm. I paid less than shown here; you might want to shop around. http://www.amazon.com/Zircon-Leak-Alert-Electronic-Batteries/dp/B002Q8GRPG/ref=sr_1_2?ie=UTF8&qid=1414952722&sr=8-2&keywords=leak+detector I have these and they work ...
by Luke Duke
Mon Nov 03, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Automatic shutoff for water leaks?
Replies: 4
Views: 803

Re: Money saved by buying a hybrid or electric car?

dbr wrote:This family spends so little on gasoline that fuel economy in what we drive is utterly irrelevant.


Thank you for your contribution to the thread.
by Luke Duke
Mon Nov 03, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6165

Re: Brother-in-law w/ CC Debt

Uncle Pennybags wrote:The OP's brother-in-law has been punished with a 500 FICO; it must have been 800 to get a $20+K unsecured credit line.


LOL. I had more available credit than that in the 90's while in college with no credit history (other than credit cards)
by Luke Duke
Fri Oct 31, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 40
Views: 4534

Re: Electric Water Heater

I could go with Lowe's which has Whirlpool (I think it was a 12 year warranty) and would cost about $1000-$1100 (they said higher installation cost because 80 gallons requires 2 installers). Don't get a Whirlpool from Lowe's. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=140023 we want t...
by Luke Duke
Tue Oct 28, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 983

Re: Only paying for DirecTV part of the year

You can take your satellite box from your summer home to your winter home and use it there. You won't have locals, but you can probably use an antenna for those.
by Luke Duke
Fri Oct 17, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Only paying for DirecTV part of the year
Replies: 3
Views: 509

Re: Splurge vacation recovery--Hawaii or?

Go somewhere you haven't been. Have you been to Costa Rica or Belize? The official language in Belize is English, if that matters to you.
by Luke Duke
Tue Oct 07, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 2829

Re: Company stock match, good deal?

I'm guessing that you can sell the shares at anytime. If you sell them before the lock is over then the discount becomes taxable income.

My wife's company offers a 15% discount with a 2yr lock. We plan to sell immediately and take the penalty.
by Luke Duke
Tue Oct 07, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company stock match, good deal?
Replies: 18
Views: 1203

Re: Cash In Credit Card Points? Or Keep Accumulating?

I let them accumulate and I usually buy something stupid on Amazon that I couldn't really justify to myself if it weren't "free" money. Next on the list is a pellet gun.
by Luke Duke
Mon Oct 06, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash In Credit Card Points? Or Keep Accumulating?
Replies: 28
Views: 2603

Re: Cast Iron Skillet Cooking

Cast iron skillets are great. The only problem (for me anyways) with buying a new one today is that they are all pre-seasoned. I would prefer to season my own so that I know exactly what it was seasoned with. Can you even purchase a non-seasoned cast iron skillet anymore? You can strip the seasonin...
by Luke Duke
Mon Sep 29, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 10628

Re: Cast Iron Skillet Cooking

Kersten wrote:Where can you purchase one of these for $15.00?


http://www.amazon.com/dp/B00008GKDJ/
by Luke Duke
Fri Sep 26, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 10628

Re: Need Investment Help (24 y/o, 100k/yr salary)

There is one action you should immediately take now. Increase your pre-tax 401k contributions to the maximum allowed so you have a chance to put in $17,500 this year . Do the same for subsequent years. To whatever degree this leaves you with not enough take-home pay, make up for this by taking mone...
by Luke Duke
Thu Sep 25, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Investment Help (24 y/o, 100k/yr salary)
Replies: 6
Views: 1262

Re: Consulting fees: non working travel time

50% is what I have seen.
by Luke Duke
Mon Sep 22, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 36
Views: 2374

Re: Should I buy another fridge or freezer? Or neither?

I have 2 refrigerator/freezers and a chest freezer. They are all full. If you get an extra freezer I would strongly recommend getting an upright. It is a pain to get stuff that migrates to the bottom of a chest freezer. It is also pretty easy to forget you have stuff when it is covered by 2ft of fro...
by Luke Duke
Fri Sep 19, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1062

Re: Buying a bounce house for personal use?

My BIL has one for his two kids. He went through the same sort of a rent vs. buy analysis as you have. One thing I've heard him complain about is that his in-laws (3 sisters with >10 kids total) have a bunch of little kids and they always ask him to bring his bounce house over to their place for Bi...
by Luke Duke
Wed Sep 17, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1831

Re: Buying a bounce house for personal use?

I bought this one in July and, so far, I'm happy with it. It's large and has the highest weight rating of any of the ones that I saw on Amazon. I also has a roof, which was a big plus for me.
http://www.amazon.com/dp/B002H042AK/
by Luke Duke
Wed Sep 17, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1831

Re: How often do YOU rebalance and when?

Annually on or near my birthday.
by Luke Duke
Wed Sep 17, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 2151

Re: Coin Counting Machines

Coinstar as an Amazon credit to avoid fee for me. My nightly change gets dumped into a big mason jar and when full it goes to the Coinstar. The funny thing is that a quart size jar filled to the top with random change seems to always hold $104 plus or minus $3. A quart holds ~$100 in change. Good t...
by Luke Duke
Thu Sep 11, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4316

Re: Need help simplifying retirement investments

http://www.bogleheads.org/wiki/Main_Page Assuming that all funds are in IRAs and you wish to keep your same asset allocation then the wiki basically says to move your accounts to Vanguard and buy the following: 35% domestic stock (VTSMX) 15% Foreign stock (VGTSX) 40% Bonds (VBTLX) 10% Short term (VM...
by Luke Duke
Thu Sep 11, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help simplifying retirement investments
Replies: 8
Views: 731

Re: Which generator do you have?

I have a Yamaha 2400W generator. I can run anything in my house except for 220V stuff (oven, A/C, dryer). My water heater, furnace and stove are NG. If the power goes out in the summer, we sleep in the travel trailer where I can run the A/C with the generator.
by Luke Duke
Mon Sep 08, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9105

Re: The daddy of all grill islands

Wish we had a pizza oven to use for making traditional thin pizzas like I've had in Italy or other various Mediterranean and middle Eastern flat breads. I've been toying with the idea the last month or two of either buying an oven on a cart that could be moved around or building ones with fire bric...
by Luke Duke
Mon Sep 08, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2834

Re: Help with Asset Allocation and a large stock position

You can't sell the stock at all until you're 55 or there's a penalty if you sell the stock before 55?
by Luke Duke
Mon Sep 08, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation and a large stock position
Replies: 23
Views: 2280

Re: Coin Counting Machines

Coinstar as an Amazon credit to avoid fee for me. My nightly change gets dumped into a big mason jar and when full it goes to the Coinstar. The funny thing is that a quart size jar filled to the top with random change seems to always hold $104 plus or minus $3. A quart holds ~$100 in change. Good t...
by Luke Duke
Thu Sep 04, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4316

Re: Portfolio planning for 2 physician household - 401k 457b

booradley83 wrote:I would also like to save another ~$50k annually in taxable account at Vanguard using a simple 3-fund portfolio.


It is best to hold a total market bond fund in a tax-advantaged account.

http://www.bogleheads.org/wiki/Principl ... _placement
by Luke Duke
Thu Sep 04, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3148

Re: did I damage my fridge by leaving the door open for a we

livesoft wrote:My spouse told me that we needed a new clothes washer since our 20-year old one was broken. I spent less than $5 for parts to fix it. Would someone else have simply bought a new one? I think so.


No, most people would have bought a new washer and dryer. Because they have to match.
by Luke Duke
Mon Aug 25, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2901

Re: Wife Pregnant on Bed Rest- Help with existing std and lt

Will your wife be retuning to work? At my work if you take LTD, you are let go. Our LTD doesn't kick in until 6mos.
by Luke Duke
Tue Aug 19, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Pregnant on Bed Rest- Help with existing std and ltd
Replies: 7
Views: 1534

Re: Memory foam mattresses - any insight?

Jazztonight wrote:The 30 or 60 day trade in period was not long enough for me to realize how much I don't like it.


Tempurpedic has a 365 day return policy.
by Luke Duke
Tue Aug 05, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5754

Re: Advice on getting a power adapter

If you can't figure out what connector you have, then get this universal power supply: http://www.amazon.com/Hosa-Cable-ACD477-Universal-Supply/dp/B000Z31G3M/ If you know which connector you have, get the right one for less money: http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps&fie...
by Luke Duke
Wed Jul 30, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Advice on getting a power adapter
Replies: 13
Views: 821

Re: Memory foam mattresses - any insight?

I am happy with my memory foam mattress purchase from Amazon. Before you buy a mattress online make sure that you fully understand the return policy. Some places will come and pick the mattress up, package it for shipping and ship it for no charge. Some places make you do all the work and pay for re...
by Luke Duke
Thu Jul 24, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5754

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 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 2133

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 10:31 am
 
Forum: Personal Consumer Issues
Topic: Hints on Tri-Tip [Cooking]
Replies: 29
Views: 2571

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 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this realtor lying to me?
Replies: 27
Views: 3444

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 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2803

Re: Tapatalk Integration

+1 for TapaTalk
by Luke Duke
Fri Jul 11, 2014 1:27 pm
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 14514

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 10:57 am
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4828

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 10:45 am
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1218
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