Search found 487 matches

by Luke Duke
Wed Mar 22, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 61
Views: 3018

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: 555

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: 1578

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: 518

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: 6496

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: 355

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: 2619

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: 2818

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: 5850

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: 3342

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: 1370

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: 2681

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: 4764

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: 3502

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: 6624

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: 2238

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: 18250

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: 2071

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: 1435

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: 20777

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: 6235

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: 3474

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: 1178

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: 8834

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: 1271

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: 3361

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: 2573

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: 3361

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: 7752

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: 2308

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: 2308

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
by Luke Duke
Fri Jul 08, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 9698

Re: synthetic oil changes

3. 99.9% of us on this forum aren't professional financial advisors, yet we all dole out financial advice to novice bogleheads. The difference is that the financial advice typically given on this site is backed by simple math. The oil-related advice typically given on this site is backed by the opi...
by Luke Duke
Tue Jun 28, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 11576

Re: Please help! Buyer's remorse, need advice

I appreciate all who have read and have helped comment. Well, many people here love the trucks with bigger tires and wheels, so that might do well privately. As far as trade, best I've been offered is 30k, no thanks. Just got approved now with credit union to refi and they waived the $70 processing...
by Luke Duke
Fri Jun 24, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 316
Views: 31376

Re: Flaunt Your High-Mileage Car

2003 Ford Excursion - 190K
Bought in 2011 with 130K

2004 Toyota Highlander - 233K
Bought new
by Luke Duke
Mon Jun 13, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 3179

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Last night I went to a suggested BBQ place to try it. I went to Hard 8. I was NOT impressed. No "plate" meals, only per lb meats with almost all the veggies extra (beans came with the meal). Most "authentic" BBQ restaurants sell their food this way. The most shocking was how muc...
by Luke Duke
Fri Jun 10, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Is it worth it for us to purchase an umbrella policy?
Replies: 47
Views: 4967

Re: Is it worth it for us to purchase an umbrella policy?

Silence Dogood wrote:It seems odd to me that the umbrella policy would cost more than the renters policy.


You can't really compare the two. Your renter's policy is probably for <$25K and the umbrella is for 7 figures. The renter's is also much more likely to be used.
by Luke Duke
Fri Jun 10, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 9092

Re: Your shopping strategy for new tires?

My strategy: Go to discounttire.com and find the tires that I want. Make an appointment. Go and get my tires. I value the service that I receive at Discount much more than saving $5/tire and ordering a tire online and dealing with a separate installer. I don't wait for a sale. I get new tires when I...
by Luke Duke
Tue Jun 07, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 3179

Re: Recommendations for Dallas BBQ/TexMex Restaurants

TheTimeLord wrote:Rudy's BBQ


What? You are recommending chain BBQ to a tourist? I happen to believe that it is the best chain BBQ place that I've ever been to, but it is still chain BBQ.

Pecan Lodge, Lockhart and Slow Bone appear in every top-5 Dallas BBQ list. Try one of those.
by Luke Duke
Mon Jun 06, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Vehicle for tall person and rear-facing child car seat?
Replies: 22
Views: 2025

Re: Vehicle for tall person and rear-facing child car seat?

flyingbison wrote:Just put the car seat on the passenger side of the vehicle, so it doesn't interfere with the driver's seat.


My thoughts as well. You would need a full-sized SUV or a 4 door mega cab pickup to put a rear facing seat behind a 6'8" driver. And that might still be pushing it.
by Luke Duke
Wed Jun 01, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 26
Views: 2221

Re: Insulating the attic

You could blow in cellulose with two people - one loading the hopper, the other spraying in the attic. You'll get totally covered in dust, but it's painless effort. And it goes fairly quickly. You can put is as much or as little as you want. Lot cheaper than fiberglass, and easier. Do seal leaks fi...
by Luke Duke
Wed Jun 01, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Looking to buy a golf cart
Replies: 15
Views: 1699

Re: Looking to buy a golf cart

That doesn't sound like a bad price. I have an electric cart that I enjoy driving around the neighborhood. The main downside to an electric cart is that every 4-6 years you are going to spend $6-700 on batteries. I would recommend visiting http://www.buggiesgonewild.com/
by Luke Duke
Thu May 26, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: We are late starters, curious how aggressive others would be to catch up
Replies: 13
Views: 2571

Re: We are late starters, curious how aggressive others would be to catch up

1. I would think long and hard about becoming a landlord.
2. I think that you are fine at your current savings rate.
by Luke Duke
Tue May 24, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Big Companies merging = no severance package?
Replies: 24
Views: 2814

Re: 2 Big Companies merging = no severance package?

I would guess that you will keep your seniority and your severance policy will change to whatever it is at the new company. I wouldn't count on it being 1mo/yr.
by Luke Duke
Tue May 24, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 13739

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

7. Other siblings? if so, try to "involve" them to some degree at least. Yes, several. No way to say this without sounding horribly pompous, but I have always been the one to think about my parent's situation. It has pained me for many years. I have gotten very little input over the last ...

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