Search found 544 matches

by Luke Duke
Fri Aug 04, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5703

Re: Delta priority boarding - first timer

Chip wrote:It will ensure that you're on early enough that there is overhead bin space for your carryon luggage.


This is the only real benefit to credit card level priority boarding.
by Luke Duke
Tue Aug 01, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Need to combine auto insurance w/ spouse... different effective dates
Replies: 8
Views: 403

Re: Need to combine auto insurance w/ spouse... different effective dates

You will get a refund for any unused portion of your insurance that you've already paid for if you cancel your policy early.
by Luke Duke
Tue Aug 01, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Any tips for negotiating with extended stay hotels?
Replies: 5
Views: 847

Re: Any tips for negotiating with extended stay hotels?

I'm a Marriott guy, so that is my default recommendation. If you choose a national brand, it would probably be wise to get their credit card so your points are multiplied (5x in Marriott's case).
by Luke Duke
Fri Jul 21, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: cell phone signal booster
Replies: 3
Views: 416

Re: cell phone signal booster

Check out WeBoost (formerly Wilson) cell phone boosters. We use one for travel and it does a good job. Realize that you have to have some signal to boost. Using an antenna with the booster helps even more. I have one of these in my truck and it works great. A friend of mine installed one at his lak...
by Luke Duke
Thu Jul 20, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 3760

Re: Keurig vs coffeemaker - and the Keurig won

heartwood wrote:Funny that in all of the threads few comment on the taste. I've tried most (all?) of the Keurig coffees, many several times, and they all taste like less than I want.


This. My Kuerig now collects dust since I got a french press a few weeks ago.
by Luke Duke
Tue Jul 18, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Simple 401k Rollover Question
Replies: 6
Views: 324

Re: Simple 401k Rollover Question

You might want to consider Roth conversions if you are going to have some low/no income years.
by Luke Duke
Fri Jul 14, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5398

Re: $1368 for new shocks/struts on '05 Corolla?

what made you say that? 12-13 year old car with 131K miles on (potentially) original shocks is well beyond said parts life expectancy. From experience, I don't agree with that. I currently have a 10 year old CRV with 198,000 miles on it, and have never done anything with the shocks and struts. A wh...
by Luke Duke
Thu Jul 13, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5398

Re: $1368 for new shocks/struts on '05 Corolla?

what made you say that? 12-13 year old car with 131K miles on (potentially) original shocks is well beyond said parts life expectancy. From experience, I don't agree with that. I currently have a 10 year old CRV with 198,000 miles on it, and have never done anything with the shocks and struts. A wh...
by Luke Duke
Wed Jul 12, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2432

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

When we had our 3rd kid our options were to either buy a new car or spend $900 on 3 narrow car seats. I spent the $900.

http://www.amazon.com/gp/product/B01CL9GBDW/
by Luke Duke
Wed Jul 12, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5398

Re: $1368 for new shocks/struts on '05 Corolla?

If you do it yourself, get a pneumatic impact gun. If you can't borrow one, get one at Harbor Freight for $100-150.
by Luke Duke
Tue Jul 11, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 2953

Re: instant pot [Pressure cooker]

littlebird wrote:Been using mine on and off since I got it as a premium for opening up a $1000 CD in 1973. Every once in a while I buy a new gasket for it.


I'm pretty sure that the OP is referring to a different model than the one you got in 1973. :mrgreen:
http://www.amazon.com/Instant-Pot-Multi ... 00FLYWNYQ/
by Luke Duke
Tue Jul 11, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Non-profit accepting debit/credit cards - cost?
Replies: 12
Views: 841

Re: Non-profit accepting debit/credit cards - cost?

I am the president of a small non-profit that is associated with the neighborhood elementary school. The increased revenue that we receive by accepting credit cards more than makes up for the fees.
by Luke Duke
Mon Jul 10, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Stop contributing to 529 on 50% chance grandparents pay
Replies: 42
Views: 3006

Re: Stop contributing to 529 on 50% chance grandparents pay

I'm basically in the same boat, except that I think that the odds are higher that my in-laws will pay. My wife and I still contribute to a 529.
by Luke Duke
Fri Jun 30, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17187

Re: Buying house - Very important decision

ERISA Stone wrote:My wife and I lived in a 2200 sqft house with one child and we always felt cramped.


I don't understand how this is possible.
by Luke Duke
Tue Jun 27, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 4240

Re: Looking into selling a structured settlement and need some advice

I wouldn't sell. If you save all of the money and keep your expenses low, you will probably be able to retire in your early 40s.
by Luke Duke
Fri Jun 23, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3083

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 ... 01AQAKRSS/

I chose it based on this review and the good Amazon reviews
https://www.stevejenkins.com/blog/2014/ ... rotection/

I also put these on my more expensive appliances
http://www.amazon.com/gp/product/B0000668YX/
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: 4769

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: 2789

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: 579

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: 2621

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: 579

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: 2621

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: 3270

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: 1809

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: 1878

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: 7406

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: 36
Views: 4713

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: 1706

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: 5425

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: 1789

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: 2132

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. m Also a StowAway2 hitch rack/box may help too. They aren't cheap, but they are the only hitch racks that I am aware of that swivel out of the way to ...
by Luke Duke
Fri May 19, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3750

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: 1883

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: 2102

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: 1266

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: 471

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: 4525

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: 1790

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: 631

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: 839

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: 35910

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: 337

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: 12311

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: 269

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: 56
Views: 4584

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: 9875

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: 12311

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: 61
Views: 6633

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. m Dan Dan what funds did you us...