Search found 1212 matches

by TheGreyingDuke
Mon Nov 28, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 22
Views: 3942

Re: Fidelity free Turbotax

A good offer available through the end of December is this one from MerrillEdge that will get you $1000 for a $200K transfer http://www.merrilledge.com/offers/1000offer A $200K balance on your account makes you eligible for a BankOfAmerica Premier (I think that is the name) account which includes f...
by TheGreyingDuke
Fri Nov 25, 2016 2:19 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG (terms needed to understand)
Replies: 12
Views: 884

Re: Brokerage Account at VG (terms needed to understand)

Your Roth account can either be in a (legacy) mutual fund only account OR a (contemporary) brokerage account, which can hold both Vanguard mutual funds and other assets, including individual stocks. When you open a brokerage account it must be titled, could be Joe Doe, Joe Doe JTROS Jane Doe, Joe Do...
by TheGreyingDuke
Tue Nov 22, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital Indemnity/Accident/Critical Illness supplements for medical insurance
Replies: 11
Views: 624

Re: Hospital Indemnity/Accident/Critical Illness supplements for medical insurance

To me,, this resembles "cancer" insurance. Generally, not a very good deal for anyone except the underwriter.
by TheGreyingDuke
Tue Nov 22, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: In a taxable account do you reinvest dividends and capital gains?
Replies: 24
Views: 1467

Re: In a taxable account do you reinvest dividends and capital gains?

In accumulation stage I always reinvested, kept things simple.

Now that we are de-accumulating, we use the dividends for day to day expenses; they get swept into our savings account and bills (mostly credit cards) get paid from there
by TheGreyingDuke
Mon Nov 21, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Paid Loss Ratios for Car Insurance
Replies: 7
Views: 522

Mutual car insurers come out ahead

At least as measured by their loss ratio; http://www.nytimes.com/2016/11/20/business/the-kind-of-car-insurer-that-gives-consumers-the-best-value.html?&moduleDetail=section-news-3&action=click&contentCollection=Automobiles&region=Footer&module=MoreInSection&version=WhatsNext&a...
by TheGreyingDuke
Mon Nov 21, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Google voice without forwarding number
Replies: 6
Views: 578

Re: Google voice without forwarding number

All the help you need: https://support.google.com/voice#topic=1707989 Not the help I needed as I specified that there was not a readily accessible touch tone phone with a US number. Touch-tone phone, with a U.S. number You'll select a type for each phone you add to Google Voice: Mobile, Work, or Ho...
by TheGreyingDuke
Mon Nov 21, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Google voice without forwarding number
Replies: 6
Views: 578

Re: Google voice without forwarding number

Good answers...

But if I recall, to setup a Google Voice number you need a forwarding number for the "verification", the two digit number. Now he could use a friend's phone to do the setup but can he then delete the forwarding and only have the GV number??
by TheGreyingDuke
Mon Nov 21, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Google voice without forwarding number
Replies: 6
Views: 578

Google voice without forwarding number

A friend is off to Singapore for a years long assignment. He was hoping to port his cell phone number to google voice, that leaves him with no US-based number to receive forwarding. One thought is to buy a $10 T-Mobile card and use that as the forwarding. Are there other approaches? Ideally he would...
by TheGreyingDuke
Sat Nov 19, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring money from US to Canada every 4 months
Replies: 20
Views: 1267

Re: Transferring money from US to Canada every 4 months

I wire money from time to time to China from my Vanguard account. Not sure about buried fees but there is no charge and they give me the choice of wiring US$ or renmenbi
by TheGreyingDuke
Fri Nov 18, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 2586

Re: Hardwood Floor - purchasing options

I am not sure how far "north of Boston" you are but when we did some floors a few years back we bought our pre-finished flooring here http://exclusivelyvermont.com/ It is all locally harvested, it is pre-finished and is milled very precisely. One of the only disadvantages of pre-finished i...
by TheGreyingDuke
Wed Nov 16, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2459

Re: gardening, soil amendment, composting

Deleted, duplicate
by TheGreyingDuke
Wed Nov 16, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2459

Re: gardening, soil amendment, composting

Lots of good suggestions here, there is no one way to go about this and your approach will be guided by: 1) The state of your existing soil 2) What you plan to grow 3) Your climate 4) What resources you can get for free or very cheap. 1) Have you tested your soil? If not, this is an important first ...
by TheGreyingDuke
Wed Nov 16, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2459

Re: gardening, soil amendment, composting

Lots of good suggestions here, there is no one way to go about this and your approach will be guided by: 1) The state of your existing soil 2) What you plan to grow 3) Your climate 4) What resources you can get for free or very cheap. 1) Have you tested your soil? If not, this is an important first...
by TheGreyingDuke
Wed Nov 16, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2459

Re: gardening, soil amendment, composting

[quote="TheGreyingDuke"]Lots of good suggestions here, there is no one way to go about this and your approach will be guided by: 1) The state of your existing soil 2) What you plan to grow 3) Your climate 4) What resources you can get for free or very cheap. 1) Have you tested your soil? I...
by TheGreyingDuke
Wed Nov 16, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2459

Re: gardening, soil amendment, composting

Lots of good suggestions here, there is no one way to go about this and your approach will be guided by: 1) The state of your existing soil 2) What you plan to grow 3) Your climate 4) What resources you can get for free or very cheap. 1) Have you tested your soil? If not, this is an important first ...
by TheGreyingDuke
Fri Nov 11, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Does a car downgrade make sense for me?
Replies: 19
Views: 1857

Re: Does a car downgrade make sense for me?

I am an "in recovery", former pickup owner. It sure does come in handy for hauling stuff, my town offers free compost and wood chips, an essential free component of my gardening. Finally sold the truck some time back. Now I go to the local UHaul, $20 a day plus $.55 a mile and I plan a ful...
by TheGreyingDuke
Thu Nov 10, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: ACA prescription drug coverage appeal
Replies: 12
Views: 887

Re: ACA prescription drug coverage appeal

If your appeals do not work out, consider going to our northern neighbor. I have saved huge amounts by buying some expensive drugs there. Even thought hey were covered by my plan, the cost was still 3x higher than what you could buy it for from Canada.
by TheGreyingDuke
Thu Nov 10, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: "No Referral Needed" Medicare speak
Replies: 32
Views: 1596

Re: "No Referral Needed" Medicare speak

If you have never seen a particular practitioner in a particular specialty, a referral helps in keeping you from making a trivial or incorrect self-referral. How would one know if the pain in a joint is some inflammatory condition or something else. If course, if you have a diagnosed problem and see...
by TheGreyingDuke
Wed Nov 09, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: New state residence 1/1/17, 1099s with new address
Replies: 12
Views: 605

Re: New state residence 1/1/17, 1099s with new address

Personally, I made an effort to establish residency on October 1st as nearly 70% of my investment income comes in December. But normally if its dividends, interest, cap gains, etc. it should apportioned to the state of residence by when it was paid or realized if you're in a part year resident situ...
by TheGreyingDuke
Wed Nov 09, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: New state residence 1/1/17, 1099s with new address
Replies: 12
Views: 605

Re: New state residence 1/1/17, 1099s with new address

My recommendation is this. Go to your new state's department of revenue's website and see what they require for residency. Make sure that you meet all of those requirements and do everything possible to appear as a resident of the new state. Make sure that your accounts are addressed in the new sta...
by TheGreyingDuke
Wed Nov 09, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: New state residence 1/1/17, 1099s with new address
Replies: 12
Views: 605

Re: New state residence 1/1/17, 1099s with new address

cheese_breath wrote:The United States post office delivers your mail, not your state. AFAIK they have no idea what's delivered to you.

But doesn't the entity send a copy to your state tax authority?
by TheGreyingDuke
Wed Nov 09, 2016 7:19 am
Forum: Personal Finance (Not Investing)
Topic: New state residence 1/1/17, 1099s with new address
Replies: 12
Views: 605

New state residence 1/1/17, 1099s with new address

I am changing my legal residence on 1/1/17 thus all income from 2016 is taxable in former state. Since I will change my address with all the financial entities late December all the 1099s will come to my new address. Will this give the wrong idea to authorities in State #2 that I owe them taxes?? Si...
by TheGreyingDuke
Sat Nov 05, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: MacBook Air/ Chromebook
Replies: 37
Views: 2542

Re: MacBook Air/ Chromebook

I am making the transition from a Windows machine (albeit one that dual boots into Linux) to a Chromebook. As has been mentioned, taxes need to be done online with a Chromebook and I have usually found the downloaded version of TurboTax to be a more flexible experience. It is doable but something to...
by TheGreyingDuke
Sat Nov 05, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Computing Device - Laptop or Table - for an Elderly Person
Replies: 35
Views: 1823

Re: Computing Device - Laptop or Table - for an Elderly Person

No problem for me going from Windows 10 to Chrome OS (not to mention Mint 17) using the Chrome browser, there may be some subtle differences but nothing that I have noticed. As to printing, once you get it setup. and it does go easier with a cloud capable printer, there is no problem. https://www.cn...
by TheGreyingDuke
Sat Nov 05, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Any recs for a Linux-compatible laptop?
Replies: 62
Views: 4090

Re: Any recs for a Linux-compatible laptop?

Take a look here http://outlet.lenovo.com/ at the changing inventory of outlet machines. Some of them are no great deal but if you look for a week or so you will notice some great bargain that come up. I would insist on a 1920 X 1080 FHD screen. The IdeaPads and Flex models are the cheapest, from w...
by TheGreyingDuke
Fri Nov 04, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Buying an Audi A4
Replies: 73
Views: 4723

Re: Buying an Audi A4

Make sure the extended warranty covers walnut blasting of the valves due to carbon build-up. Yup, unfortunately this is the "new normal" with the stupid EPA mandating that EGR (Exhaust Gas Recirculation) continue to be be required on Direct Injection engines. Lots of extra expense and has...
by TheGreyingDuke
Fri Nov 04, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Any recs for a Linux-compatible laptop?
Replies: 62
Views: 4090

Re: Any recs for a Linux-compatible laptop?

I have also installed various Linux distros on Thinkpads going back to and x60, they have always played nice. Sure. the past few years has seen a regrettably shift towards ultrabook conceit with less modularity. I am typing on a x230, Mint 17, my wife has an x240 also with Mint. Take a look here htt...
by TheGreyingDuke
Mon Oct 31, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Do you pay for your Medicare?
Replies: 58
Views: 4353

Re: How Much Do you pay for your Medicare?

I have opted for Medigap Plan F High deductible, buy the cheapest pharmaceutical plan I can find as I take none. The comments about keeping track and knowing what is to be the annual expense? My high deductible plan is about $45 a month while the regular F plan would be about $200 (I am in community...
by TheGreyingDuke
Mon Oct 31, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Do new car dealers collect sales tax on a cash purchase
Replies: 15
Views: 1716

Re: Do new car dealers collect sales tax on a cash purchase

One exception is if you are buying it in one state but registering it in another state. In that case you will likely be given transit plates, good for 30 days or so, and you will pay your state entity when you register it.
by TheGreyingDuke
Sun Oct 30, 2016 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Income needed pre-tax to generate a certain amount
Replies: 18
Views: 1699

Re: Income needed pre-tax to generate a certain amount

and almost certainly start husband's SS at FRA of 66.6. As others have stated, we don't know the tax status of your various investments (taxable, tax deferred, tax exempt) so it is hard to be specific. But depending on these things, not to mention your husband's health, deferring social security un...
by TheGreyingDuke
Sun Oct 30, 2016 5:13 am
Forum: Personal Consumer Issues
Topic: Passport renewal - old passport
Replies: 22
Views: 2526

Re: Passport renewal - old passport

It has been almost ten years so this may have changed but my old passport came back with "Cancelled" all over it, your Argentine visa is likely a goner.
by TheGreyingDuke
Sat Oct 29, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advantage accounts - one consequence
Replies: 3
Views: 886

Re: Vanguard Advantage accounts - one consequence

Or if you want to bunch your deductions, send it off to Vanguard Charitable and you are done with it. I tend to bunch three years' charitable contributions in one year, the other two years I make out better with the standard IRS deduction. Once at the charitable you can change the investment without...
by TheGreyingDuke
Thu Oct 27, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: A Medicare part D puzzle, finally solved
Replies: 53
Views: 3438

Re: A Medicare part D puzzle, finally solved

I am confounded by the Part D "system". I too have the Walmart Humana plan and found a few things that might relate to your situation, although my understanding of your situation is hazy. I found that buying the drugs at Walmart did not lead to the lowest prices, often got them at local ph...
by TheGreyingDuke
Wed Oct 26, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone have Medigap with Aetna Health &Life?
Replies: 6
Views: 657

Re: Does anyone have Medigap with Aetna Health &Life?

Keep in mind, as has been noted on other threads, that Plan F is going away for new enrollments. While those with it can keep it, they will be an aging, that is higher consumers of health care. Over time the premiums will reflect that sort of adverse selection.
by TheGreyingDuke
Tue Oct 25, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10554

Re: Favorite Coffee

Interesting discussion, reminds me of car buying threads, one person's gold is another's lead! I have become more meticulous in my coffee choices and methods. For sure, start with quality coffee, roasted no longer than about 10 days ago. Right away that eliminates most of the store bought choices. L...
by TheGreyingDuke
Sat Oct 22, 2016 7:05 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 33
Views: 2580

Re: Cell phone service abroad

FYI, It did not work for me. I have a Samsung phone through Consumer Cellular. We were going to Italy so, planning on using it abroad, I called CC about the phone. They assured me it was unlocked. When we arrived in Italy I found out that it was unlocked for the United States use but for Europe it ...
by TheGreyingDuke
Wed Oct 19, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 5694

Re: How do you analyze your spending? (Where is my money going?)

Old school here, I have never budgeted or tracked expenses except one time, about 10 years ago. My wife and I decided that we were both going to work part time and I wanted to see where we could save some money. A quick review of the previous year led me to go down to one vehicle and start to bike t...
by TheGreyingDuke
Mon Oct 17, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Organizing my Digital Photo's on PC?
Replies: 11
Views: 973

Re: Organizing my Digital Photo's on PC?

Picassa is likely just what you need.... Simple face recognition for some organization, simple editing... can suck photos in using the date based folder method mirroring what you want. Lightroom is great but way too overkill for your purposes as described. Picassa is no more, all migrated to Google...
by TheGreyingDuke
Mon Oct 17, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Get Vaccines for Travel Outside US?
Replies: 21
Views: 1092

Re: Get Vaccines for Travel Outside US?

Keep in mind that the standard Hep B vaccine calls for three shots, with the third one coming six months after the first, the second one comes a month after the first. Even an incomplete regimen will give you some protection.
by TheGreyingDuke
Thu Oct 13, 2016 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Medigap Plan G?
Replies: 14
Views: 1372

Re: Recommendations for Medigap Plan G?

I am not sure why the concern about the rating of the insurance company; if they go bust it is a qualifying event and you can go out and buy whatever.

Not like your long-term care outfit going bust
by TheGreyingDuke
Wed Oct 12, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Kia Soul for a new driver?
Replies: 22
Views: 1669

Re: Kia Soul for a new driver?

The Soul is a good choice and if you look around there are 2015 leftovers on sale for around 12k (MY FIRST VEHICLE WAS A 196O Renault Dauphine, 32 HO, 3 speed, top speed of around 65 with a tailwind. This was in the days of $.29 gasoline, used to get a buck's worth and it would last for a week). I r...
by TheGreyingDuke
Sun Oct 09, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Best car for night driving
Replies: 47
Views: 3088

Re: Best car for night driving

While the article points out that "it's the lights and not your eyes," it might also be wise to get a thorough eye exam. One test that can be done is a test of degree of vision loss in the presence of oncoming lights. Difficulty with this test might indicate incipient cataracts or other p...
by TheGreyingDuke
Sun Oct 09, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Best car for night driving
Replies: 47
Views: 3088

Re: Best car for night driving

Thanks for all the replies, especially the info that IIHS is now testing headlights. I second the problems with approaching SUVs with poorly aimed HID or xenon lamps. Do I fight back and succumb to SUV fever to gain some height?? My needs are mostly focused on high speed driving on twisting, deer in...
by TheGreyingDuke
Sat Oct 08, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Best car for night driving
Replies: 47
Views: 3088

Best car for night driving

As I have aged, night driving has become a bit more challenging. The rods are "wearing" and as I go from my car to various rentals, I see that some cars do light up the road better (none of the rentals are contenders). Apart from some small mentions in some Consumer Reports tests, I do not...
by TheGreyingDuke
Sat Oct 08, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 2556

Re: Most reliable/safe/bulletproof way to get cash overseas

Schwab checking account. Reimbursement of ATM fees anywhere in the world and 24/7 customer service. Have used it on 6 continents without a problem (still waiting till I can get to the ATM in Antarctica!) SAM I don't have a Schwab account but I have accounts with Fidelity and Vanguard - do they have...
by TheGreyingDuke
Thu Oct 06, 2016 6:51 pm
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 49
Views: 4723

Re: What stocks can I buy when it comes to Marijuana?

Unfortunately the trial did not show efficacy for enough people so they never licensed the application. In the UK it's tricky to get a doctor to prescribe a drug for a non prescribed (I can't remember the exact technical term but "non approved") use. I don't know what a PH-3 study is but ...
by TheGreyingDuke
Wed Oct 05, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Incipient Car Rust: DIY Repair?
Replies: 15
Views: 930

Re: Incipient Car Rust: DIY Repair?

The "exact match" paint comports to the color of the vehicle when it left the factory. Over the years there is fading and other environmental assaults that will change the color. Body shops have the ability to exactly match what is on your car, I once needed to replace the rear hatch on a ...
by TheGreyingDuke
Mon Sep 19, 2016 7:16 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 34
Views: 2224

Re: Coffee makers: Moka, French Press, etc.

I have a variety of coffee makers, my challenge is my wife likes dark roast and I don't, so it is two separate processes each moring, although we each drink only one cup. I though that the Aeropress was the ideal situation, buy two of them and the rest of the gear can go into storage. But the idea o...
by TheGreyingDuke
Mon Sep 12, 2016 10:12 am
Forum: Investing - Theory, News & General
Topic: Jason Hsu and William Bernstein Like Overbalancing
Replies: 27
Views: 4188

Re: Jason Hsu and William Bernstein Like Overbalancing

I like this in theory but in my situation: 1) In draw down phase, no reinvesting of dividends or capital gains 2) 80% of investments are in taxable accounts with significant LT gains 3) Desired allocation is 45%/55% stocks/bonds, currently at 54%/46% 4) I am two years from 70 and collecting SS, fill...

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