Search found 1294 matches

by TheGreyingDuke
Mon Jun 19, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity web snafu
Replies: 3
Views: 424

Re: Fidelity web snafu

I went with changing the password, it was due anyway, and that got me logged in with no further input. BTW, the service I received was exemplary, I was wanting to transfer the account of an older relative from managed (1%, 21 different assets in an IRA of less that $500k) to the do it yourself side ...
by TheGreyingDuke
Mon Jun 19, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity web snafu
Replies: 3
Views: 424

Fidelity web snafu

A recent thread (mostly) lambasted Vanguard's website, with which I have rarely had problems. Today, trying to log into Fidelity's site I get a password error message telling me that if I use a password manager (I use LastPass) I need to manually enter my password and username. That is a 30 characte...
by TheGreyingDuke
Sat Jun 17, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: NFC (near field communication) desirability
Replies: 22
Views: 1882

Re: NFC (near field communication) desirability

OP here, I bought a slightly used Samsung 7 edge, $300, and it has nfc, use it frequently
by TheGreyingDuke
Fri Jun 09, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Camper rental, by owner
Replies: 6
Views: 675

Re: Camper rental, by owner

I am looking here https://rvshare.com/

Apart from a breakdown hundreds of miles from the owner, the various clauses, sub-clauses, and conditions imposed under the contract are daunting and not understandable by the average person.
by TheGreyingDuke
Fri Jun 09, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Camper rental, by owner
Replies: 6
Views: 675

Re: Camper rental, by owner

The information on the Costco card is confusing; on the web page it states that coverage in the US is secondary to one's own insurance. In the pamphlet accessed online it states that the card's insurance is primary in the US.

This of course does not address the particulars of this type of rental.
by TheGreyingDuke
Thu Jun 08, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Camper rental, by owner
Replies: 6
Views: 675

Camper rental, by owner

We are contemplating a 2-3 week camping tour through Texas and New Mexico this winter. Focused on getting to Big Bend late February (before spring break) and wandering the region. There are campers available directly from the individual owner rather than a rental company. Has anyone utilized one of ...
by TheGreyingDuke
Thu Jun 08, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: How do I get monthly checks from my investments in retirement?
Replies: 15
Views: 2535

Re: How do I get monthly checks from my investments in retirement?

As an earlier post stated, there are many recipes to get this done, mine works like this: I am 69 yo, not collecting SS for another year and get two small pensions. The pensions and all dividends from taxable go into a high yield savings account (CIT in my case, there are other options). Each month ...
by TheGreyingDuke
Tue Jun 06, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 18
Views: 2036

Re: EZPass not read, rental car, high fee

Right, I can see that registering the tag is the sure fire way to go. Never had to do so in the past, although when I am in my registered vehicle I get, from time to time, "Call EZPass" on the board as I pass through the toll. Never have so I assume they do as suggested above and match the...
by TheGreyingDuke
Tue Jun 06, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 18
Views: 2036

EZPass not read, rental car, high fee

I was using my EZPass when in a rental in MA. One toll did not get read (there were several others over the days of rental that did get read) and Budget hit me with a $20 fee plus $6.50 for the toll. If EZPass had worked the toll would have been around $3.00 A call to Budget got the admin fee remove...
by TheGreyingDuke
Tue Jun 06, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 2861

Re: Gas station prices and quality

My dilemma is how to blend Top Tier with non-ethanol fuel, which I believe each impart advantages. Most (all?) of the non-ethanol stations are not branded, not Top Tier. The TopTier stations all have ethanol. I drive a VW 2.0 TSI engined car, it requires 91 Octane and I have had the habit of mixing ...
by TheGreyingDuke
Thu Jun 01, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 5189

Re: Is Flagship membership status worth a $50 one time fee?

The only tangible benefit I got was when I was living in China and needed some paperwork submitted, they paid for the FedEx.

Otherwise, not worth much to me,
by TheGreyingDuke
Thu Jun 01, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5764

Re: Senility: How do you plan on protecting your money when you lose your mental capacities?

A couple of comments on the suggestion to establish a "test" that the elder takes to demonstrate competence or lack thereof. I had an older friend who suggested, when she was in her early 70's, that we do an annual driving test to assess her ability to continue driving. She was never a gre...
by TheGreyingDuke
Mon May 29, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 3729

Re: Multiple seat belt tickets- options?

My wife recently got a speeding ticket in NY (our state of residence) and was offered the chance to take an online "safety" course. The cost was the same as the ticket but it wiped the offense (and the points) from her record. You might want to check with the court in the county in which y...
by TheGreyingDuke
Mon May 29, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 3161

Re: Does a new car purchase make sense?

One safety related item only now being assessed by the various reviewers is headlights. This is especially relevant for those of us into our 6th decade and those who travel on two-lane rural roads. Even some cars equipped with the latest technology in lights (LED, xenon) fail in providing decent cov...
by TheGreyingDuke
Fri May 26, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 5485

Re: Sell 2015 Subaru or Keep?

So I test drove a Toyota Camry and Subaru Legacy. Both are 2014 Certified. I really like the Subaru Legacy much better and the Subaru dealer is willing to give me more money on my trade. The certified 2014 Subaru Legacy base model w/ 50k miles is coming to $15k out the door. Thoughts? Try this exer...
by TheGreyingDuke
Sun May 21, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Taxes on Series EE bonds issued in 1987
Replies: 13
Views: 984

Re: Taxes on Series EE bonds issued in 1987

ALways search first!! While some families may be aware that these bonds can be utilized tax free for current college expenses, many may not realize that contributions to a qualified tuition plan (i.e., a 529 plan) are also eligible for the tax-free treatment. The bond owner would cash out the bond a...
by TheGreyingDuke
Sun May 21, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Taxes on Series EE bonds issued in 1987
Replies: 13
Views: 984

Re: Taxes on Series EE bonds issued in 1987

Is there a way to fund a 529 with the bonds? I too have some bonds purchased in the 1990's, never used them for my son's education. Now I am funding a 529 for my granddaughter and can I cash them and put them in the 529 can I avoid the taxes??
by TheGreyingDuke
Sun May 14, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Check engine light comes on, need advice
Replies: 27
Views: 1242

Re: Check engine light comes on, need advice

You ignore this at your peril, it could indicate a serious problem that will not go away, even if the light does. I had a 2009 VW, notorious for clogging their PCV and when it does it puts greater pressure on the engine, leads to a blown rear engine seal and a $1200 repair. Find out what the problem...
by TheGreyingDuke
Fri May 12, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: New car sales down, discounts up
Replies: 15
Views: 2371

New car sales down, discounts up

Given the frequent posting on "what car shall I buy" this article describes the flattening of car sales and the rise of discounts. https://www.nytimes.com/2017/05/11/automobiles/wheels/car-dealers-discounts-price-cuts.html?ref=automobiles One relevant tidbit is that the discounts are often...
by TheGreyingDuke
Tue Apr 25, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 989

Re: Purchase new, but older model cell phone - Best method?

The Moto G5 shares the same form factor as the SG5, but will be much more powerful, have a warranty, and the latest software. All for $229 from amazon. Keep in mind that, inexplicably, the new Moto, at least it US version, lacks NFC. It has caused me, a loyal Moto G user (the original and the 3) to...
by TheGreyingDuke
Tue Apr 25, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 989

Re: Purchase new, but older model cell phone - Best method?

Take a look here:

https://swappa.com/

I bought a phone there once, it was a refurbed model but when I got it it was stuck in a "bootloop" (LG G5). Easy communication with the help of the swappa staff and my money was returned to my paypal account quickly.
by TheGreyingDuke
Tue Apr 25, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Car sharing with neighbors and liability
Replies: 15
Views: 1562

Car sharing with neighbors and liability

I am giving some thought to leasing an electric vehicle (Kia Soul) with two neighbors. We are in a close knit community and my query is about legal arrangements and protections, rather than the other factors involved. The lease is $180 a month for three years, 30k miles and no down payment, fyi. How...
by TheGreyingDuke
Mon Apr 24, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 43
Views: 3980

Re: Becoming a homeowner/landlord in a college town?

If in fact you are thinking of Ithaca... Why live in town during the summer? Unlike the rest of the year when there are many on campus activities at both Cornell and Ithaca College, during the summer the action is out of town, the gorges, the hiking, the lake. If I were looking for a summer house he...
by TheGreyingDuke
Thu Apr 20, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 26
Views: 3455

Re: Bank Bonus Master List

Up to $400 ( for greater than $300k) at: https://bankoncit.com/savenow-direct/

No nonsense with direct deposits, debit card use or the likely.

$250 for greater than $100k
by TheGreyingDuke
Wed Apr 19, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pooled special needs trust
Replies: 0
Views: 323

Pooled special needs trust

I am helping a widowed cousin set up a special needs trust for her 50-year-old son. The amount, depending on her assets when she dies, will be in the $250k range. I am looking at these special needs trust as a way to simplify things but the information available on the eligible organizations (She li...
by TheGreyingDuke
Wed Apr 19, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Chicago NW suburbs to NJ/NY area
Replies: 31
Views: 2469

Re: Moving from Chicago NW suburbs to NJ/NY area

If I had to drive to work in either if these unnamed locations, I would forget about it (in most situations, there are exceptions, a job in Morristown, NJ for example).

Where are the locations of the two offers? Is there decent public transport available??
by TheGreyingDuke
Wed Apr 12, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: See advice for traveling to NYC on a regular basis
Replies: 14
Views: 1227

Re: See advice for traveling to NYC on a regular basis

Train from Syracuse is a bit over 6 hours, the cost is $65. Driving time is 4 hours, 250 miles at $.50/mile that is $125. Then you need to find a place to stash the car (BigBucks) and hope that you don't need to leave during rush hour. The bus can be as short as 4.5 hours and $46. Forget flying, not...
by TheGreyingDuke
Fri Apr 07, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 876

Re: Transferring Retirement Accounts - Problems?

Get the Vanguard "Concierge" involved in this. Have them pull the accounts from where they live rather than initiate anything with the current custodians.One hint is to be sure that the old account and the new account are identically titled if it is Simon T Legree on the existing be sure t...
by TheGreyingDuke
Fri Apr 07, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard app, mobile check deposits and all-in-one accounts
Replies: 4
Views: 397

Re: Vanguard app, mobile check deposits and all-in-one accounts

Can you use mobile deposit with one of the other accounts and then transfer the funds to the desired mutual fund/brokerage account? Extra step but not much extra time. I had the check made out to Vanguard FBO because it was an IRA transfer. The other accounts were zombie estate accounts for estates...
by TheGreyingDuke
Fri Apr 07, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard app, mobile check deposits and all-in-one accounts
Replies: 4
Views: 397

Vanguard app, mobile check deposits and all-in-one accounts

I had an IRA CD coming due at a local credit union, had them send me a check made out to Vanguard Fiduciary Trust FBO The GreyingDuke. I decided to try to Vanguard app to deposit it (I have no use for mobile access to my account) and once logged in was given a list of only a few of my accounts (all ...
by TheGreyingDuke
Fri Mar 31, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid, tax on home sale, 3 owners
Replies: 2
Views: 402

Re: Medicaid, tax on home sale, 3 owners

$20k is the proceeds for each owner, what was the cost basis?
by TheGreyingDuke
Tue Mar 28, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: NFC (near field communication) desirability
Replies: 22
Views: 1882

Re: NFC (near field communication) desirability

My phone has NFC. I use it occasionally for mobile payments, but it's hardly critical as few enough places take it that you can't leave your credit cards at home. For a mid price phone with NFC plus great specs, consider the OnePlus 3T. If you won't take advantage of a high spec device otherwise, I...
by TheGreyingDuke
Sun Mar 26, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: NFC (near field communication) desirability
Replies: 22
Views: 1882

Re: NFC (near field communication) desirability

Mobile payments are MUCH faster than a chip card. Indeed, most of the early iterations of the chip technology seemed quite slow. My local (Upstate NY) grocery chain, Wegman's, only recently installed their chip reading tech. It is instant, really two or three seconds after I insert my card it tells...
by TheGreyingDuke
Sun Mar 26, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: NFC (near field communication) desirability
Replies: 22
Views: 1882

Re: NFC (near field communication) desirability

GKSD wrote:What do you want to use NFC for? Mobile payments at the retailers?


That's it, mobile payments
by TheGreyingDuke
Sun Mar 26, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: NFC (near field communication) desirability
Replies: 22
Views: 1882

NFC (near field communication) desirability

I am looking to replace my Moto G (second generation) with a new phone 9cracked screen aging battery issues). I like the specs of the new Moto g5 but it lacks NFC, which is something I would use. But I am not sure how useful it really is. Does whipping out your phone really save anything over whippi...
by TheGreyingDuke
Fri Mar 24, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 64
Views: 4037

Re: Dizzying Medicare options

.......bought the High deductible F supplement, I can afford the $2200 annual deductible and am covered 100% after that. To buy first dollar coverage would cost me an additional $2000 a year so after four years on Medicare I have saved about $7200....... Well, am not getting that at all. Where do y...
by TheGreyingDuke
Thu Mar 23, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 64
Views: 4037

Re: Dizzying Medicare options

One factor often overlooked when buying health insurance is applying the general principle used when buying other insurance. Taking risk commensurate with your situation (health, age, wealth) is a customary metric we apply with house/auto/life insurance and should apply, for the most part, with the ...
by TheGreyingDuke
Thu Mar 23, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 3866

Re: Vanguard: "Important: We've been unable to reach you by email"

Something is up with Verizon e-mail,apparently I have to go through some kind of trouble to keep my e-mail account working by March 23 or something. Sounds like a pain in the neck. The people who try to get you to buy Fios every so often,price from one sales pitch to the next seems to vary such tha...
by TheGreyingDuke
Wed Mar 22, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Purchasing a 2017 Hyundai Sonata Sport 2.0T
Replies: 16
Views: 1432

Re: Purchasing a 2017 Hyundai Sonata Sport 2.0T

Because Hyundai is a horrid company who knowingly put defective engines in their sonatas (so did kia). Hyundai settled a huge lawsuit because of this. I own a sonata and it has lost so much value it's not worth having full coverage on it. It might be easier to name the auto manufacturers who have N...
by TheGreyingDuke
Mon Mar 20, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Short visit to Hong Kong - "must do/see"?
Replies: 16
Views: 1359

Re: Short visit to Hong Kong - "must do/see"?

Lantau Island, the Big Buddha, some great hiking and a nice boat ride from Central. There is also a fishing village on the island (Tai O) worth a visit. Quite rural and a good break from the buzz of Hong Kong. There is also great Indian restaurants in Hong Kong; when we would spend 6 months in Guang...
by TheGreyingDuke
Sun Mar 19, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 5739

Re: Rule of Thumb for Getting Rid of Car

Just as an example I have Toyota Yaris 2009 but I purchased on 2010. Last week it gave me the signal showing low tire pressure. I pulled to a Direct Tire for a free air. The guy said this is not about air it is about TPMS and I need to change it. Tire Pressure Monitoring System battery needs to be ...
by TheGreyingDuke
Sat Mar 18, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvested my dividends - what now?
Replies: 20
Views: 2254

Re: Vanguard reinvested my dividends - what now?

I had a different snafu when converting to the all-in-one account. My dividends had been swept to an external account and with the switch, that setting was lost and the funds were deposited in my sweep account. Once I saw that I re-activated the prior setting. I did look through the paperwork that a...
by TheGreyingDuke
Sun Mar 12, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: H &R Block and Federal interest on state returns, not automatic
Replies: 5
Views: 467

Re: H &R Block and Federal interest on state returns, not automatic

The 1099-Int has a box for Treasury interest. This is where you would put the interest from US securities you hold. The 1099-Div has a check box that will activate the dialog for the percentage of US Treasury interest. Funds would report interest on a 1099-Div. It works fine for me. Operator error,...
by TheGreyingDuke
Sun Mar 12, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: H &R Block and Federal interest on state returns, not automatic
Replies: 5
Views: 467

Re: H &R Block and Federal interest on state returns, not automatic

Interestingly, when reading through the Vermont tax department outline of the issue, it refers back to McCullough V Maryland (1819) as the basis for the exemption (as well as various federal statutes). That case is emblazoned in my mind from an undergraduate constitutional law course as establishin...
by TheGreyingDuke
Sat Mar 11, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: H &R Block and Federal interest on state returns, not automatic
Replies: 5
Views: 467

H &R Block and Federal interest on state returns, not automatic

Finishing a run through of taxes and found that H & R Block tax software does not apparently query on how much Federal interest you might have, interest that is not taxable at the state level. You seem to need to go in an do it manually, surely they should at least ask. Interestingly, when readi...
by TheGreyingDuke
Fri Mar 10, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Credit union safety
Replies: 16
Views: 1267

Re: Credit union safety

Is your emergency fund greater than the $250,000 NCUA insurance limit? You could always split your deposits among multiple banks and credit unions to diversify risk. It is, for personal accounts, usually very easy to multiply this $250,000 limit. Retirement (IRA) accounts are separately counted, as...
by TheGreyingDuke
Mon Mar 06, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: "Purchasing" someone's auto lease, short term
Replies: 5
Views: 527

Re: "Purchasing" someone's auto lease, short term

Jack FFR1846 wrote:Only if the Focus is a manual. Reliability on the dual clutch automatic is worse than "insert any vehicle ever made here".

Indeed, it is a manual!

Of course there are other options out there at similar cost, mostly a bit higher.
by TheGreyingDuke
Mon Mar 06, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: "Purchasing" someone's auto lease, short term
Replies: 5
Views: 527

"Purchasing" someone's auto lease, short term

We are in a situation were I need to get another vehicle for 6-12 months (the community in which I live will have established electric vehicle charging stations by then and I am in for an EV). Initially, was looking at $3500 cars to just use around town, 2005 Accord for example. I then looked at buy...

Go to advanced search