Search found 850 matches

by TheGreyingDuke
Sun Aug 02, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: real estate in NYC
Replies: 19
Views: 1428

Re: real estate in NYC

"should I buy or rent in NYC?" Move to NJ

"should I buy a Dell or a Lenovo Windows 10 computer?" Buy a Mac

"I am torn between an Accord and a Mazda6" Buy a Camry

:happy :happy
by TheGreyingDuke
Sun Aug 02, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 29
Views: 939

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

I would suggest you consider the latitude line, rather than the Insprion. Not sure how they line up today, but in the not too distant past the build quality of the Latitude was far superior.
by TheGreyingDuke
Tue Jul 28, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1143

Re: Fuel injector cleaning

Techron won't hurt, may help

Otherwise try to use Tier 1 gas http://www.toptiergas.com/ and you will be set.
by TheGreyingDuke
Tue Jul 28, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6145

Re: wife got in wreck with Honda CRV - no collison coverage

I would be better off if I had collision on it, but will likely sell it to salvage. I will look for a used (2004-2008)Honda Civic , Accord, or Acura TSX for her. Thank you everybody for the responses. I really appreciate the wisdom here. I will talk with her about a defensive driving class as well....
by TheGreyingDuke
Fri Jul 24, 2015 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard and CDs
Replies: 6
Views: 938

Re: Vanguard and CDs

Another difference: If you buy a CD on the secondary market and pay a premium, FDIC insurance covers only the face amount of the CD, not any premium you may have paid. But is also true that if you pay a premium the difference between what you paid and par (100) is deductible on your income tax as a...
by TheGreyingDuke
Wed Jul 22, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3322

Re: Recommend a magazine with good writing like the New Yorker

Indeed, I have been published in the WSJ but getting a letter in the Economist has, so far, eluded me. I think the best bet is some pithy, humorous comment, they see to put one such letter in each issue. My big complaint about the Economist is that, while it previously came in the mail on Saturday, ...
by TheGreyingDuke
Fri Jul 17, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: 40,000 mile service for a 2009 Honda Fit
Replies: 20
Views: 1406

Re: 40,000 mile service for a 2009 Honda Fit

Transmission drain and fill should run about $100-$150. A "flush" may be more but probably isn't necessary if you change it every 40k. . Flushing an automatic transmission is a recipe for disaster, it pushes debris into places it would not otherwise get to; another scam that has been fois...
by TheGreyingDuke
Thu Jul 16, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 1355

Re: '13 Kia Sorento vs '15 Toyota Highlander

There are plenty of people who are happy with a Kia. Personally, I see no other reason in the world to own one other than saving a few thousand dollars on the initial price. Many of these cars seem "fine" for the first 50 to 100k miles. But take a look around. Even on this thread which ha...
by TheGreyingDuke
Wed Jul 15, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Car Tire Question
Replies: 13
Views: 960

Re: Car Tire Question

Mixing tires, especially on one axle, is not encouraged. If I had to do it (dire financial concerns, eg) I would put the mismatched pair on the rear of a front wheel drive vehicle. How could you NOT mix, on the same axle, a single "different brand" tire? I am not sure what you are asking,...
by TheGreyingDuke
Wed Jul 15, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3918

Re: Are the more expensive bikes worth paying for?

Thanks all for the feedback. I will have to visit a bike shop and check the bikes out. I am definitely leaning toward the Trek. The one concern that I have is that there is a higher risk of this bike being stolen. Are there bike stands you can attach to a car that can securely attach a bike to? I h...
by TheGreyingDuke
Wed Jul 15, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: Car Tire Question
Replies: 13
Views: 960

Re: Car Tire Question

Mixing tires, especially on one axle, is not encouraged. If I had to do it (dire financial concerns, eg) I would put the mismatched pair on the rear of a front wheel drive vehicle.
by TheGreyingDuke
Wed Jul 15, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3918

Re: Are the more expensive bikes worth paying for?

I'm a recreational rider, not too serious but I like the exercise. I'd like to ride more often but can only ride on the weekend when the weather permits. It's usually 2-3 times per month. I'd like to ride more often but that isn't really feasible with my current schedule. OK, this reinforces the id...
by TheGreyingDuke
Wed Jul 15, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3918

Re: Are the more expensive bikes worth paying for?

JDot gives great information, I currently have four bikes in the stable, of varying vintages and configuration. The Trek's look fine, you might consider the 7.2 for a few hundred less. Most of the bike frames in this price range (under $1000 or so) are made in one of two or three factories in China ...
by TheGreyingDuke
Tue Jul 14, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4094

Re: Cost of Routine Dental Cleanings

Simply state up front - "I want a cleaning, and nothing else. No x-rays, no cancer screening, no other billable procedure." If they refuse (and some will) find another dentist. I have declined the routine bitewing xrays, nothing has even been detected with them for me or my family over th...
by TheGreyingDuke
Sun Jul 12, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Mullainathan: Why Investing Is So Complicated
Replies: 30
Views: 2425

Mullainathan: Why Investing Is So Complicated

[Post merged into thread below. --admin LadyGeek] http://www.nytimes.com/2015/07/12/upshot/investing-in-the-dark-the-biggest-cost-of-fear-is-paralysis.html?hp&action=click&pgtype=Homepage&module=second-column-region&region=top-news&WT.nav=top-news&_r=0&abt=0002&abg=0...
by TheGreyingDuke
Sat Jul 11, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3360

Re: One car or two in semi-retirement?

Both in "retirement" here (volunteer activities keep my wife on the go a lot.) We downsized to one car five years before retirement, I was working about 5 miles away and commuted by bicycle year round. Now we continue with one car, although we can easily afford a second. We live 3 miles ou...
by TheGreyingDuke
Thu Jul 09, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: New car vs. "pre-owned certified" (both somewhat frequently)
Replies: 28
Views: 1664

Re: New car vs. "pre-owned certified" (both somewhat frequently)

I heard that some Volvos were going to be made in China soon. Already are? Any truth to that? Many brands are made in China, I assumed when ownership of Volvo went to a Chinese firm, that they would open production in their homeland. Efforts to export Chinese-made cars to the US have failed, mostly...
by TheGreyingDuke
Thu Jul 09, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 74
Views: 7214

Re: Vanguard's Security image going away?

I have no cell phone. So if I use another computer or don't log in for a while Vg forgets my computer and then am I SOOL. The message we received from Vanguard made no mention of "secret questions" which is how we "reset" the known computer now. Hmm, not sure, but after entering...
by TheGreyingDuke
Sat Jul 04, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: Jetta Sportwagen Question
Replies: 42
Views: 3954

Re: Jetta Sportwagen Question

I only wish that VW would return to offering a Passat station wagon in the United States. The ones offered in Europe are absolutely gorgeous in my opinion. I had both a 2001.5 6-cyl Passat and a 2008 2.0 Turbo Passat wagons. The 2008 is still running fine with no issues for my daughter. The Jetta S...
by TheGreyingDuke
Fri Jul 03, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 92
Views: 10088

Re: financial adviser told me not to invest too much in 401k

Before 59 1/2 withdrawals are available, without penalty, in several instances, including a so-called 72 (t) where you take equal withdrawals over time:

http://www.bankrate.com/finance/retirement/penalty-free-401-k-ira-withdrawals-2.aspx
by TheGreyingDuke
Thu Jul 02, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel investment - financially worth it?
Replies: 39
Views: 4814

Re: Solar panel investment - financially worth it?

The OP does not provide enough info. This is an investment question, not a solar question. Figure out your ROI, which you have not. Then you decide if it is worth it. The poster that posts about 180 a month as break even in the US also fails to understand the great variability in USenergy costs. He...
by TheGreyingDuke
Wed Jul 01, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to predict state taxes to help decide where to live
Replies: 20
Views: 1955

Re: How to predict state taxes to help decide where to live

I don't have much to add to the sound advice proffered, taxes are about the last thing we are considering for our retirement. More important are where are the children, recreational activities (biking, hiking), decent restaurants, access to needed grocery items, cultural activities. Figuring out the...
by TheGreyingDuke
Tue Jun 30, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4840

Re: Amazon getting too smart?

VPN is the partial solution, that and incognito mode on your browser. I use tunnelbear decent Really? For Amazon? They still know who you are once you pay. If you really want incognito you probably have to take a pocket of cash to your local Barnes and Noble. I was addressing the different prices t...
by TheGreyingDuke
Mon Jun 29, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4840

Re: Amazon getting too smart?

VPN is the partial solution, that and incognito mode on your browser. I use tunnelbear decent
by TheGreyingDuke
Mon Jun 29, 2015 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 61
Views: 6865

Re: How do you Lazy portfolio funders deal with dips in the market?

I took a 40 mile bike ride and puttered around the garden.

Seven years in retirement and counting.
by TheGreyingDuke
Thu Jun 25, 2015 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Transferring a Stock to Vanguard - Cost Basis accuracy
Replies: 16
Views: 1871

Re: Transferring a Stock to Vanguard - Cost Basis accuracy

I haven't made transfers from Compuserve, but since these are covered shares Compuserve must have the cost basis info, as others have said.

When I have transferred covered shares to VG from other entities, VG always recorded that cost basis.
by TheGreyingDuke
Tue Jun 23, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2529

Re: Optimize trip to China

While I don't minimize the possibility for mischief, I have taken laptops and phones (including the ones I am now using) on extended trips to China over the past 9 years, with no apparent untoward consequences. I always assume that nothing is safe from prying eyes and ears. Skype works fine, you can...
by TheGreyingDuke
Tue Jun 23, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paid in Euros, live in the US
Replies: 1
Views: 381

Paid in Euros, live in the US

My friend does some contract work for a UK-based organization. They must pay her in euros, although she is resident in the US. The local credit union is fine in accepting the euros (and changing them) but the sending bank in the UK says that since the CU uses a correspondent bank for an intermediary...
by TheGreyingDuke
Mon Jun 22, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 14017

Re: LastPass.com Breach

by TheGreyingDuke
Thu Jun 18, 2015 4:21 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 14702

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

Spent almost zero time...

Got serious after the 1987 swoon, always lived modestly, resisted debt, spent the $$ on experiences rather than things. Now that I have more than enough, hard to break the habit. :happy
by TheGreyingDuke
Sun Jun 14, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 8639

Re: Chromebooks- What is the lure?

I haven't tried it yet, but there is a web-based Skype (beta) that is rumored to work on Chrome OS
by TheGreyingDuke
Sun Jun 14, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 8639

Re: Chromebooks- What is the lure?

MossySF wrote:2 fingers tapping on the touchpad is a right click.


Or, "left"click/alt

The thing about the Chromebook is that even after 18 months of use I am still discovering some useful techniques.
by TheGreyingDuke
Sat Jun 13, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 8639

Re: Chromebooks- What is the lure?

Thanks Shadow Dancer. I'm too lazy to use a Password Manager at this stage. Lynette Hmmm, I thought that using a password manager WAS the lazy person's approach. One password, I never type in a site's password (no key logger to get you) and I can generate random passwords with the click of the mous...
by TheGreyingDuke
Fri Jun 12, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 8639

Re: Chromebooks- What is the lure?

How is Chromebook as a pad substitute? ie for reading magazine subscriptions, kindle books etc? It is workable for that? Also for watching streaming video, say? A Chromebook does those things as well as any other notebook. You would want to make sure you get one with a great display for media consu...
by TheGreyingDuke
Thu Jun 11, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's car is having issues and under water :-/
Replies: 98
Views: 10953

Re: Wife's car is having issues and under water :-/

Thanks for the best wishes. I am still waiting for my mechanic to find the part and how much it costs. He believes it's the sealant (or gasket - I forgot which) problem that is common on turbo gas Jettas. My wife wants to get a quote to get the car's maintenance up to spec, plus fix the oil leak pr...
by TheGreyingDuke
Thu Jun 11, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best Company to Bundle Auto & Home Insurance
Replies: 19
Views: 2066

Re: Best Company to Bundle Auto & Home Insurance

When I last reviewed this all, the Costco option was hundreds cheaper than Geico. In the event I stayed with Geico because Ameriprise (Costco) would not write an umbrella policy for us. Was there something special about your situation re: the umbrella policy or does Ameriprise just not offer that? ...
by TheGreyingDuke
Thu Jun 11, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Best Company to Bundle Auto & Home Insurance
Replies: 19
Views: 2066

Re: Best Company to Bundle Auto & Home Insurance

When I last reviewed this all, the Costco option was hundreds cheaper than Geico. In the event I stayed with Geico because Ameriprise (Costco) would not write an umbrella policy for us.
by TheGreyingDuke
Wed Jun 10, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Airline flight booking
Replies: 22
Views: 3085

Re: Airline flight booking

My family flies international regularly. We typically look at Kayak, find the lowest price and then book on the website of the airline that has the cheapest flight. Note that the same flight booked from different country may have different baggage limits and the cheaper ticket may mean additional b...
by TheGreyingDuke
Tue Jun 09, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Wife's car is having issues and under water :-/
Replies: 98
Views: 10953

Re: Wife's car is having issues and under water :-/

Engine maintenance on this engine is minimal, change oil (synthetic) and filter every 10k miles (more often under harsh conditions), do an air filter every so often and you have it. The scheduled maintenance items are mostly check this, lubricate that but not engine related (sunroof rails for exampl...
by TheGreyingDuke
Mon Jun 08, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: gains on land sale and purchase
Replies: 3
Views: 277

Re: gains on land sale and purchase

As stated above, you will owe capital gains tax on the difference between your cost and the sale price. If you bought the entire parcel with a house on it that is the basis for the entire property. Now you need to figure out what the piece you are now selling was worth at the time of the purchase. T...
by TheGreyingDuke
Sun Jun 07, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: French Presses: Glass Carafes vs. Stainless Steel Presses
Replies: 16
Views: 2122

Re: French Presses: Glass Carafes vs. Stainless Steel Presses

Five years??? That is much better than I have ever fared and I finally went for one of these: http://www.amazon.com/Highwin-35-Ounce-Doublewall-Stainless-Plunger/dp/B005FEF22M/ref=sr_1_5?ie=UTF8&qid=1433703207&sr=8-5&keywords=highwin+coffee+press $36 and you will never break this thing. ...
by TheGreyingDuke
Sat Jun 06, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2831

Re: Money and cell phones when traveling to Canada

cheese_breath wrote:Make sure you have proof that your auto insurance covers you in Canada.

And in my experience with GEICO, they need to mail this to you, it cannot be downloaded.

But, in decades of crossing the border, probably 100 crossings, I have never been asked to show the proof to the Canadian officials.
by TheGreyingDuke
Wed Jun 03, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3658

Re: Insurance company "outdoor steps need a railing"

Here's a link to NY State requirements hand rail memo http://www.dos.ny.gov/DCEA/pdf/RCstairsTB.pdf. NY State requires a hand rail when stairs are two or more treads in height. Thanks for the link, it remains unclear if this applies to exterior, garden steps. I think the plan is to make new applica...
by TheGreyingDuke
Wed Jun 03, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3658

Re: Insurance company "outdoor steps need a railing"

Thanks for all the replies, I always count but won a diversity of opinions here. There are about ten treads involved, it is not in a location that any casual visitor would encounter. The building inspection did identify the issue but my son received proof that there was insurance on the house. I thi...
by TheGreyingDuke
Tue Jun 02, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3658

Insurance company "outdoor steps need a railing"

My son and daughter-in-law have just moved in to their new house; the yard is planted in all sorts of native greenery (upstate NY) sand there are numerous stone paths and flat stones on which to meander. On one end there is are stairs, fairly shallow pitch, composed of sunken railroad ties and small...
by TheGreyingDuke
Wed May 27, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2831

Re: Money and cell phones when traveling to Canada

Exchanging for C$ in the US is a very bad idea, in my experience. We live less that an hour from the border, make frequent trips to Montreal fr dinner/movies/theater and I either use a no foreign transaction credit card or withdraw money from the ubiquitous ATMs, my credit union will refund any char...
by TheGreyingDuke
Fri May 22, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Advice For Selling A Used Car
Replies: 12
Views: 1637

Re: Advice For Selling A Used Car

In Vermont there is no requirement that you trade the car to get the credit for its value. I buy a car on May 1 from a dealer for $25,000. On May 15 I sell my used car for $5000 and I deduct that amount from the purchase price of the new car. If I have already registered and paid the sales tax, ther...
by TheGreyingDuke
Wed May 20, 2015 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Just got off phone with my Chase Advisor
Replies: 17
Views: 3488

Re: Just got off phone with my Chase Advisor

When you do the transfer to Vanguard have them "pull" it from Chase, rather than have Chase "push" it to them. You will never even need to speak with the nice person at Chase, more's the pity :D
by TheGreyingDuke
Mon May 18, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 2939

Re: passport card faster than passport?

As long as you are just getting new passports, it makes sense to also get Global Entry/Trusted Traveler. No need to do so until you actually get the passports back, but it saves a lot of time and hassle going through an airport, especially from a foreign country. Ralph Best way to do this is to app...
by TheGreyingDuke
Mon May 18, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Sharing Ministry A No Brainer?
Replies: 49
Views: 3671

Re: Healthcare Sharing Ministry A No Brainer?

One caveat about the idea of "shopping around" for the best price... I would guess that the highest cost/most likely combination you would face would be some sort of trauma. You are not likely to stop the EMTs that pull you out of a burning car and tell them to call around for the least ex...

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