Search found 528 matches

by Luke Duke
Fri Jun 23, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 14
Views: 876

Re: Surge Protector for Refrigerator

I installed this whole house surge protector in about 15 minutes. It took me longer to gather my tools than it did to install. http://www.amazon.com/Eaton-CHSPT2ULTRA-Surge-Protection-3Rd/dp/B01AQAKRSS/ I chose it based on this review and the good Amazon reviews https://www.stevejenkins.com/blog/201...
by Luke Duke
Wed Jun 21, 2017 4:36 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4248

Re: Help with Guns in Estate [how to sell]

I hope that after I die my wife doesn't sell my guns for what I told her that I paid for them. :mrgreen:
by Luke Duke
Tue Jun 20, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2440

Re: Need WIFI repeater or second router Advice

I haven't read all of the responses so far...

Buying your own router will probably fix your problem. I've got this one and I've been very happy.
http://www.amazon.com/gp/product/B00F0DD0I6/
by Luke Duke
Fri Jun 16, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Help me fix my company's 401k plan
Replies: 10
Views: 490

Re: Help me fix my company's 401k plan

This is how I plan to reply: Add Total Bond Market Index (VBTLX), Total International Stock Market Index (VTIAX) and one (or both) of the following 2 funds: Total Stock Market Index (VTSAX) or Extended Market Index (VEXAX) This will allow a person to create a well-rounded, low-cost portfolio within ...
by Luke Duke
Fri Jun 16, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2252

Re: Watch Batteries

No, but I'm sure that there are plenty of examples on YouTube.
by Luke Duke
Fri Jun 16, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Help me fix my company's 401k plan
Replies: 10
Views: 490

Help me fix my company's 401k plan

A couple of months ago I complained about the fund selection. I was just asked which funds I would like to see added. Here is a list of the current offerings. I would like to suggest as few funds as possible so it doesn't appear that I'm being too much of a PITA. http://img.photobucket.com/albums/v3...
by Luke Duke
Fri Jun 16, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2252

Re: Watch Batteries

Get a kit like this and change the battery yourself. You can spend more on a kit and get a case and more tools.

http://www.amazon.com/Stalwart-16-Piece ... B006VWVX1Q
by Luke Duke
Wed Jun 14, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 2973

Re: Highlander vs. Pilot

I have an '04 Highlander 4cyl with 250K miles. It has had less than $500 in repairs over its lifetime. It could probably use another $500.
by Luke Duke
Tue Jun 13, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 1581

Re: Any advice on buying headstone for a grave?

Sadly, particularly bronze theft is very much a thing, especially in rural cemeteries. Also vases and flowers are pretty commonly stolen. Would a marble or granite marker be preferable, then? I wouldn't mind getting started on the design now, though I hopefully have a few more decades. Definitely g...
by Luke Duke
Thu Jun 08, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 1682

Re: Installing Fencing to keep predators away from chickens?

I figured out a while ago that I can buy a lot of eggs for the cost of chickens, feed, a chicken coup, fencing, etc.
by Luke Duke
Wed Jun 07, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6867

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

I bought my wife birthstone earrings before she delivered our daughters with the idea that she will eventually give them to the girls when they are older. I didn't get my wife anything when she had our son (#3). In fact, my wife surprised me and gave me a nice pair of cuff links, which I hope to giv...
by Luke Duke
Tue Jun 06, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 30
Views: 3531

Re: Recommendation of Security Cameras for Exterior of House

Visit the IP Cam Talk Forum for more info that you could ever want about security cameras.
https://www.ipcamtalk.com/
by Luke Duke
Tue Jun 06, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Recommendations on Home Alarm Systems
Replies: 18
Views: 1469

Re: Recommendations on Home Alarm Systems

I've been happy with Smith Thompson.
by Luke Duke
Wed May 31, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4930

Re: best way to buy tires

I'm a big Discount Tire fan.
by Luke Duke
Wed May 24, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1561

Re: Bradford White Electric Water heater?

How difficult is it for average layperson to change anode in hot water heater? If you have an impact wrench it is a 10 minute job. You just cut off water and power to heater, drain about 10 gallons of water, unscrew the old and insert the new one. Make sure you have enough clearance above your heat...
by Luke Duke
Mon May 22, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1854

Re: Vehicle recommendation for large family

Others already mentioned it, but you may want to look into the Diono Radian RXT car seat. We were able to fit 3 across in an older Toyota Highlander. http://www.amazon.com/Diono-Radian-All-Convertible-Shadow/dp/B005MQRAAK/ Also a StowAway2 hitch rack/box may help too. They aren't cheap, but they are...
by Luke Duke
Fri May 19, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3340

Re: Homeowner's Insurance & New Roofs

So does having a hailstorm in itself mean you're roof is even damaged? Experienced many hailstorms and usually the issue is damage to vehicles and not damage to one's roof. I suspect it would take some pretty large hail to even break concrete tiles, and don't personally see how much damage could be...
by Luke Duke
Fri May 19, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1706

Re: Summer outdoor parties - party food ideas

Barefootgirl wrote:(not including grilled foods)


Well, that excludes just about everything that I serve.
by Luke Duke
Thu May 18, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1772

Re: Tire Puncture - plug from outside or patch and plug from inside

I don't use plugs or patches on tubeless tires. I just buy a new one. I have patched on the inside and installed a tube, but that was 40 years ago. I've worked on cars a lot, and plugs are one of the few things that I do not do. Replacing tires is a fairly low expense for me, so it is not worth the...
by Luke Duke
Thu May 18, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1143

Re: Paying balance of costly ambulance ride

You probably should have settled with them for a reduced amount before you gave them the $450. I'm guessing that they will come after you if you don't pay the bill.
by Luke Duke
Tue May 16, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Low interest loan to pay off mortgage
Replies: 6
Views: 408

Re: Low interest loan to pay off mortgage

Interest on a personal loan would not be tax deductible. Why wouldn't you just refinance?
by Luke Duke
Mon May 15, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 3356

Re: Costco Kirkland Signature Cookware vs Calphalon?

I bought these in Jan 2012 and they show no signs of wear. I would definitely recommend them. The rest of my pots/pans are All-Clad or cast iron, so I can't speak to the rest of the Circulon lineup.
http://www.amazon.com/gp/product/B0019R4SXS/
by Luke Duke
Fri May 05, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1693

Re: Priority of Retirement Accounts

With so many options available, I'm having a hard time figuring out in general what is consensus priority in putting money into all the different retirement accounts? Understand that many factors can influence this for each individual but I think my situation is fairly simple. I'm 35 years old, mar...
by Luke Duke
Fri Apr 28, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Leverage an extra paid-off house?
Replies: 7
Views: 573

Re: Leverage an extra paid-off house?

I would try and offer them cash to move out, assuming you want to continue to remain the nice guy.
by Luke Duke
Fri Apr 28, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning to 3 Fund Portfolio
Replies: 6
Views: 770

Re: Transitioning to 3 Fund Portfolio

Ok... I'm up to speed on short vs long term capital gains for mutual funds. In the taxable account, there are 2 funds I want to trade for index funds. Some of the lots are long term and some are short. I'm hoping Schwab has a way to sell only the lots I specify (the ones with long term gains). None...
by Luke Duke
Fri Apr 28, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 34706

Re: Time to reach 1M and 2M milestones

Some people also added an interesting benchmark - at what point do your contributions outpace your portfolio returns? Assuming 5% return on a 1M portfolio - you would need to contribute $50k for contributions to match market returns. My guess is for majority of people, contributions outpace portfol...
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: 311

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: 11686

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: 236

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: 2616

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: 102
Views: 9328

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: 11686

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: 6143

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: 441

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: 1684

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: 1684

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: 487

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: 3720

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: 20184

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: 5738

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: 742

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: 1997

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: 675

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: 7106

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: 562

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: 2935

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...

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