Search found 502 matches

by Luke Duke
Tue Apr 25, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Investing my quasi emergency fund
Replies: 2
Views: 254

Investing my quasi emergency fund

I've got $25K sitting in a taxable Vanguard account right now. I consider it my quasi-emergency fund. I have other money that can be used in an emergency, but this is probably the first account that I would tap. Since I have other money, I feel that I can afford to take a small amount of risk with t...
by Luke Duke
Wed Apr 12, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10485

Re: Ordering a Weber grill this week

If I could do it again, I'd absolutely buy the upgraded version with the side burner and sear station. I hadn't appreciated this when I had an older grill that I used less, but I almost always have a side going on a skillet on the stove while I'm grilling, and it's usually something like sauteed ve...
by Luke Duke
Tue Apr 11, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Options
Replies: 3
Views: 172

New 401k Options

My new employer's 401k has a limited number of "good" funds. Here is a list of the available funds. My plan is to try and mimic Vanguard Total Stock Market Index Fund (VTSAX). I also have a large Rollover IRA with Vanguard where I will hold my international (VTIAX) and bond funds (VBTLX). ...
by Luke Duke
Tue Apr 11, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 37
Views: 2445

Re: Breaking up with my Financial Advisor

I initiated the transfer via Vanguard. A day or 2 later I sent my FA an email that basically stated the following: "I've decided to go a different direction with my investments. I've started the process of moving my money. If my needs change in the future, I will let you know. Thank you." ...
by Luke Duke
Tue Apr 11, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 95
Views: 7712

Re: Best take it everywhere camera

The best camera in the world is the one that you have in your hand. I have a DSLR which takes great pictures, but it isn't something that I ever carry just because. I carry it to specific events where I am reasonably certain that I will use it. I bought a smaller point and shoot that I could carry i...
by Luke Duke
Mon Apr 10, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10485

Re: Ordering a Weber grill this week

Expensive for a grill...but with a cover I expect it to last "forever"... I have learned the hard way to never use a cover. My expensive stainless steel grill rusted completely out within two years. The cover traps warm humid air next to the grill all summer long. Once I lost the cover......
by Luke Duke
Tue Apr 04, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 5711

Re: 27yr curious about my investment personel and strategy

This tool may give you a better representation of the difference that expenses make. I have used 2 of your funds with 100,000 investment over 20 years along with Vanguard total stock market fund. The difference in cost is staggering. Just hit the show results button. http://apps.finra.org/fundanaly...
by Luke Duke
Tue Apr 04, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a security system
Replies: 4
Views: 406

Re: Recommendation for a security system

Smith Thompson. Something like $15/mo billed quarterly. I highly recommend them.
by Luke Duke
Mon Apr 03, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: What use are Chase UR Points (to me)
Replies: 20
Views: 1501

Re: What use are Chase UR Points (to me)

We are both waaay over 5/24, and may never drop below (even just opening a few cards per year). So we may or may not ever be eligible for Chase Sapphire Preferred/Reserve (CSP/R), and even if we could/did get them, it would only be for the bonus as these kinds of cards don't work for us long term. ...
by Luke Duke
Mon Apr 03, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: What use are Chase UR Points (to me)
Replies: 20
Views: 1501

Re: What use are Chase UR Points (to me)

We are both waaay over 5/24, and may never drop below (even just opening a few cards per year). So we may or may not ever be eligible for Chase Sapphire Preferred/Reserve (CSP/R), and even if we could/did get them, it would only be for the bonus as these kinds of cards don't work for us long term. ...
by Luke Duke
Mon Apr 03, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparent owned Merrill lynch 529-how to avoid fees?
Replies: 6
Views: 424

Re: Grandparent owned Merrill lynch 529-how to avoid fees?

Ask him if he prefers that his grandkids get the money or if his advisor gets the money.
by Luke Duke
Mon Apr 03, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Low income. How can I buy a house in 5 years?
Replies: 45
Views: 3425

Re: Low income. How can I buy a house in 5 years?

Hi everyone, so I'm 25 years old making 55k a year . I'm still living with my parents, car is paid off, and have 10k left in student loans. I have no other debt and I have 20k in the bank. I currently contribute 10% of my income to my 403b and have started making small investments. I have 7k invest...
by Luke Duke
Wed Mar 29, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 19332

Re: New SUV, $50G, Pilot/Highlander/Other

Buick Enclave or the GMC equivalent
by Luke Duke
Wed Mar 22, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 4666

Re: A SUV for towing a Travel Trailer

hudson wrote:I've had riders that wanted me to go ahead and drive 70-75 miles an hour with a trailer.


With the right tow vehicle you can do that. :mrgreen:
by Luke Duke
Tue Mar 21, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Partial mortgage payoff, consolidation
Replies: 8
Views: 691

Re: Partial mortgage payoff, consolidation

Thank you for your replies. Have a 30% equity in the house. House will sell for buying price + some, it is a pretty hot market now , but I am aware things could change in the next year. But don't anticipate paying more than what is owed. We may split the cash reserve to partially payoff the mortgag...
by Luke Duke
Mon Mar 13, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 1770

Re: Impact driver (and possibly drill) recommendations

Remember that whatever drill/impact that you buy, you are buying into an ecosystem. Look at all of the other cordless tools of the same brand. In an ideal world all of your batteries will be interchangeable.
by Luke Duke
Mon Mar 13, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Booster seat: Highback or no back for 7.5 year old?
Replies: 8
Views: 565

Re: Booster seat: Highback or no back for 7.5 year old?

runner9 wrote:We certainly want to do what is safest but don't want to get the highback and then have to remove it in a month because he's too tall for it.


The back on the seat that you posted about is removable.
by Luke Duke
Sat Mar 11, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6774

Re: 28yo, New Millionaire, Advice on Wealth Management

IMHO, it is a no brainer to pay off all of you student loans at 4% or more. One can also make a strong argument for paying off the rest too.
by Luke Duke
Fri Mar 10, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k and Roth contributions through employer
Replies: 10
Views: 489

Re: Help with 401k and Roth contributions through employer

Congratulations on saving such a significant portion of your income. That isn't easy for a young person to do these days. 1. Save 6% in the Roth 401k 2. Save $5500 in a Roth IRA. Vanguard would be a great choice. A target date fund would probably work for you until you save enough to meet the minimu...
by Luke Duke
Fri Mar 10, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Options for my cash
Replies: 38
Views: 2790

Re: Options for my cash

I am 41. Wife 35. Stable jobs. Net worth ~$600K. Make $500K annually (Special circumstances as company was acquired. We expect it to go down to $350K in a couple of years). 2 kids. We both max out out 401K and 403b respectively. Split 95% stocks and 5% bonds. We are also investing in 529 plan. We h...
by Luke Duke
Fri Oct 21, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 2960

Re: pro's and con's of closing/reopening amazon.com account?

I just wish I figured out how to make the sports bra suggestions go away when my wife accidentally searches while I'm logged in... Click "Your Account" and scroll down to the bottom of the page. Under "Personalization" click "View and Manage Your Browsing History. Remove an...
by Luke Duke
Thu Oct 20, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 6000

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

I would buy another external drive, copy the contents to it and mail it. 1. This is the easiest way to do it. 2. This gives you a 100% backup of what appear to be important family files. 3. There's a decent chance that your brother doesn't have 500+GB of extra storage that he will want to permanentl...
by Luke Duke
Thu Oct 20, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3391

Re: Preferred "disk cloning" software?

Copy/Paste
by Luke Duke
Thu Oct 20, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Portable battery jumpers
Replies: 14
Views: 1405

Re: Portable battery jumpers

I can highly recommend this one. It will jump start my diesel truck (with two dead batteries) with ease. The premium version didn't exist when I bought mine or I probably would have gotten that one for only $6 more.

http://www.amazon.com/Jump-N-Carry-JNC6 ... B000JFJLP6
by Luke Duke
Wed Oct 19, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Two stage Snowblowers -- 22" or 28+"?
Replies: 40
Views: 2777

Re: Two stage Snowblowers -- 22" or 28+"?

I'm glad that I live in Texas.
by Luke Duke
Mon Oct 17, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I relocate for this job or stay put?
Replies: 79
Views: 4880

Re: Should I relocate for this job or stay put?

Move and negotiate more vacation time.
by Luke Duke
Wed Oct 05, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Nanny in Boston
Replies: 44
Views: 3559

Re: Nanny in Boston

Are you overthinking childcare? They have daycare centers all over Boston. Why not just drop your child in one you like? Lots of parents do it, and their kids turn out fine. Leaving your baby at home alone with a nanny, sounds like a riskier arrangement, in my opinion. My thoughts as well. Our dayc...
by Luke Duke
Mon Oct 03, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6797

Re: Where/how do Bogleheads get their tires inflated?

I fill my tires from this :) http://www.helifreak.com/attachment.php?attachmentid=516104&d=1402878544 However that's over kill if all you want to do is fill tires. Most of the cigarette lighter models are junk and take forever to fill a tire. If you really need one that's portable and can run o...
by Luke Duke
Wed Sep 28, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Is a garbage disposal unit a good idea for a rental property?
Replies: 34
Views: 2275

Re: Is a garbage disposal unit a good idea for a rental property?

As far as liability - I installed a "batch" style disposal - there's no switch, you need to insert the drain plug in order to turn it on. I thought this seemed a lot safer, since there is no way to accidentally start it with a hand in there. So how does that work? you shove food in the di...
by Luke Duke
Tue Sep 27, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 18378

Re: Net Worth Milestone Today - $1.5M

Ervin wrote:Why would any BH invest in another rental, while the previous one hasn't been paid off yet?


Not sure if serious.
by Luke Duke
Wed Sep 14, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 2128

Re: 16 GB or 64 GB?

Get 64GB. 16GB is really only about 14GB and the OS keeps getting bigger and bigger, so you probably have closer to 10-12GB. You also need a couple of gigs free to upgrade your OS.
by Luke Duke
Wed Sep 07, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep records?
Replies: 16
Views: 1460

Re: How long to keep records?

I got rid of mine when I got a CD player.
by Luke Duke
Thu Sep 01, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 21065

Re: Blue Apron

Hello Fresh posts their recipes online for those who want to try something new.

https://www.hellofresh.com/recipe/all/
by Luke Duke
Mon Aug 29, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Can we get by without permanent life insurance?
Replies: 85
Views: 6336

Re: Can we get by without permanent life insurance?

Tell the BIL that you don't need any insurance. If you die young, your wife and kids are going to move in with him.
by Luke Duke
Wed Aug 24, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 32
Views: 3572

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

Always remember that the service advisors at every dealership work off of commission.
by Luke Duke
Tue Aug 23, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: cost to build a deck?
Replies: 10
Views: 1202

Re: cost to build a deck?

I strongly recommend against using pressure treated wood, except for maybe the posts. Spend the money on cedar. Pressure treated wood tends to warp really badly.
by Luke Duke
Mon Aug 22, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8932

Re: What is your system for dealing with coins?

I throw all of my "silver" coins in an old 5 gal water jug. After about 15 yrs it's only about half full. When I fill it up, I plan to spend it on something stupid or maybe a vacation. I jammed a golf ball into the jug to keep my wife and kids from dipping into it. Now when you tip the jug...
by Luke Duke
Tue Aug 16, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: How do you protect your kids while their online?
Replies: 12
Views: 1287

Re: How do you protect your kids while their online?

When my kids were younger I used a program called K9 web filter. This only protects against bad web pages, so you would still need something like Open DNS for the other applications. But the biggest thing we did was educate our kids on what they might run into and how to appropriately handle it, al...
by Luke Duke
Mon Aug 08, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: 50 gal gas water heater replacement
Replies: 25
Views: 3473

Re: 50 gal gas water heater replacement

I highly recommend that everyone get some of these and put them in your water heater pan, A/C pan, behind your washing machine, under your sinks, etc. They saved me when my water heater began to leak and alerted me before the leak got to be more than a couple of drops/minute. My water heater is in t...
by Luke Duke
Mon Aug 08, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2612

Re: Need advice, dealer sold me wrong year golf cart

Since you mentioned a belt, I assume that you have a gas cart. I don't know much about gas carts. With an electric cart, two years difference in age doesn't make hardly any difference in value. What matters most is battery age and condition. I would pay more money for a older, cleaner cart with new ...
by Luke Duke
Thu Jul 28, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: 50 gal gas water heater replacement
Replies: 25
Views: 3473

Re: 50 gal gas water heater replacement

Often times the only difference between a water heater with a 6yr warranty vs one with a 9 or 12 yr warranty is the anode. The longer warranty heaters have more anode material. You can buy anodes online and replace them yourself. Don't get a Whirlpool https://www.consumeraffairs.com/homeowners/whirl...
by Luke Duke
Wed Jul 20, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 8012

Re: Car totaled, no collision insurance

sport wrote:
Cindyjrn wrote:
sport wrote:In my state that type of accident would be covered by comprehensive, not collision.


Really? It's not like the antelope ran into his car while it was parked in his driveway.

In my state, damage caused by animal collisions is defined as covered by comprehensive.


Texas is this way too.
by Luke Duke
Fri Jul 15, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 2390

Re: Power surge protector for tv, soundbar??

I also installed one of these a couple of months ago. It probably took me more time to gather my tools than it did to install it. My panel is surface mounted and very accessible. If you have a recessed panel, installation will be more involved.

http://www.amazon.com/gp/product/B01AQAKRSS/
by Luke Duke
Fri Jul 15, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 2390

Re: Power surge protector for tv, soundbar??

Get one of these. They allow you to use any surge protector that you want and still mount your TV close to the wall.

http://www.monoprice.com/product?c_id=1 ... 1&format=2

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