Search found 1164 matches

by TheGreyingDuke
Mon Sep 19, 2016 7:16 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 34
Views: 1978

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: 10
Views: 1408

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...
by TheGreyingDuke
Sat Sep 10, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does PAS work with Slice & Dicers? [Vanguard personal advisor service]
Replies: 18
Views: 1158

Re: Does PAS work with Slice & Dicers? [Vanguard personal advisor service]

Merriman would be a good candidate if you are willing to pay their 1%
by TheGreyingDuke
Wed Aug 31, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: 1993 Honda Accord Axle boot: premature failure need a remedy.
Replies: 28
Views: 1482

Re: 1993 Honda Accord Axel boot: premature failure need a remedy.

My guess is cheaply made parts from China. I have been in the ultramodern Honda factory in Guangzhou, China. Very quiet, very efficient and since China shares a unique chassis with the North American you can expect that before too long the Accord you drive will have been made in the People's Republ...
by TheGreyingDuke
Tue Aug 23, 2016 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Should I do Roth conversions?
Replies: 10
Views: 829

Re: Should I do Roth conversions?

Would I be better off doing Roth conversions, possibly starting age 65 once I am on Medicare and my insurance premiums are no longer income-dependent? My gut feeling is that it would not be worth it. RMDs on my IRA at 4% would only be 17K/year. and at 3% nominal interest/year I do not expect that m...
by TheGreyingDuke
Tue Aug 23, 2016 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Should I do Roth conversions?
Replies: 10
Views: 829

Re: Should I do Roth conversions?

deleted duplicate post
by TheGreyingDuke
Tue Aug 23, 2016 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I do Roth conversions?
Replies: 10
Views: 829

Re: Should I do Roth conversions?

sloppy finger, duplicate post
by TheGreyingDuke
Tue Aug 23, 2016 5:50 am
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 54
Views: 5658

Re: Long wait on Vanguard Phone Lines-What's going on?

Hmm. I sent Vanguard a secure message last Monday (8/25) and haven't received a response yet. 7 days and 5 business days - so hopefully they'll respond soon. The message I sent them was regarding an issue with their website. Whenever I log on I see a yellow banner which states "The holdings yo...
by TheGreyingDuke
Mon Aug 22, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Subaru - New 2016 or Used 2014 (25k miles)
Replies: 39
Views: 3365

Re: Subaru - New 2016 or Used 2014 (25k miles)

I love the Eyesight system, the rear camera, the cross traffic alert etc. That's be enough reason for me to go new. Unfortunately, Subaru, like many other manufacturers, relegate those of use wanting a stick shift to the bargain bin. You cannot get a Crosstrek with stick and the safety options, tan...
by TheGreyingDuke
Sun Aug 21, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Puzzle: how should I understand this?
Replies: 30
Views: 2445

Re: Health Insurance Puzzle: how should I understand this?

I am not sure what (political subdivision) state you are in but here in Vermont there is an appeal process in place to resolve these things, I have had some good experiences both as a patient and a clinician. If your jurisdiction has such a process I would immediately invoke it, send a certified let...
by TheGreyingDuke
Fri Aug 19, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Advice on Paypal dispute
Replies: 8
Views: 730

Re: Advice on Paypal dispute

Some years back my son bought a Samsung phone, sold as genuine but was counterfeit. I had a credit balance at PayPal that I wanted to use and put the rest on my American Express. American Express promptly reversed the charge but PayPal wouldn't because I hadn't out the entire charge with them. Went ...
by TheGreyingDuke
Thu Aug 18, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3351

Re: vacation ideas - October

How about Toronto? About 8 hours from Chicago Excellent food!!! Good USD to CAD exchange rate, 1: 1.31 currently Like New York, but without the crime! Need a passport though Keep in mind that several states are onboard with enhanced licenses, these border states include Washington, Minnesota, New Y...
by TheGreyingDuke
Thu Aug 18, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Donate securities, have charity use assets to purchase (my) house
Replies: 13
Views: 768

Re: Donate securities, have charity use assets to purchase (my) house

Thanks for the responses... The house is one that the housing trut would want to keep, we live modestly and the house reflects that. It is energy efficient, 1200 sq ft, and would be a good fit for the trust. My goal is not to raise the basis of my holdings, rather a way to bring the balance to where...
by TheGreyingDuke
Thu Aug 18, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Donate securities, have charity use assets to purchase (my) house
Replies: 13
Views: 768

Re: Donate securities, have charity use assets to purchase (my) house

This doesn't pass the smell test to me. The charity should not pay any more than fair market value (FMV) for the house, regardless of the source of the funds. By definition, FMV is the price you could get by selling the home in an arm's length transaction to a disinterested third party. Not sure wh...
by TheGreyingDuke
Thu Aug 18, 2016 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Donate securities, have charity use assets to purchase (my) house
Replies: 13
Views: 768

Donate securities, have charity use assets to purchase (my) house

This is a random thought that has come up as a way to both make a charitable donation of appreciated assets AND sell a house. Some background... The house has no appreciation, the equities have large capital gains AND the overall portfolio is heavier in equities than is desired. I donate the appreci...
by TheGreyingDuke
Thu Aug 18, 2016 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on Donor Advised Fund allocation
Replies: 10
Views: 552

Re: Feedback on Donor Advised Fund allocation

Our DAF is 70/30 domestic/international equities, I make one or two 4-5 figure donations a year to our causes.
by TheGreyingDuke
Tue Aug 16, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D
Replies: 17
Views: 1088

Re: Medicare Part D

Part D operates in a matter quite distinct from other Medicare options. With an annual open enrollment period, it allows you to switch policies each year as you medications change, big adverse risk for the insurers. Bear in mind that whatever total costs you calculated that can change during the yea...
by TheGreyingDuke
Tue Aug 16, 2016 5:48 am
Forum: Personal Consumer Issues
Topic: Temporarily switching from Verizon to T-Mobile
Replies: 16
Views: 1204

Re: Temporarily switching from Verizon to T-Mobile

Just thinking out loud...I don't need to be able to respond to texts and voicemails right away, just within a day or so. So maybe getting the $40 Verizon plan in concert with local SIM cards would make sense. I could use the local SIM cards primarily and swap in my Verizon SIM card once a day to ch...
by TheGreyingDuke
Tue Aug 16, 2016 5:47 am
Forum: Personal Consumer Issues
Topic: Temporarily switching from Verizon to T-Mobile
Replies: 16
Views: 1204

Re: Temporarily switching from Verizon to T-Mobile

I assume you have have verified that your phone will handle the required bands while in Europe and that this essentially CDMA phone is also capable of GSM use (many newer phones are so capable).
by TheGreyingDuke
Mon Aug 15, 2016 6:33 am
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2083

Re: Post Office Boxes-Junk and prior renter's mail

The past ten years we have done a lot of extended overseas travel, 3-6 months at a time. While in the US we have something of a base, but also travle domestically. The boxes at the post office were never suitable fr these purposes, they wouldn't collect mail for months on end and if we were statesid...
by TheGreyingDuke
Sat Aug 13, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6683

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

I do law, and agree with the consensus here. And if you've ever sat through a state court docket call, much less small claims court, you'd likely be quite happy to pay to avoid it. I had to do one small claims case for a corporate client many years ago. Yuck. Prepare to waste half a day. Court time...
by TheGreyingDuke
Sat Aug 13, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Taxes -- Buying a car in Canada / live in US
Replies: 9
Views: 710

Re: Taxes -- Buying a car in Canada / live in US

Ok, If I live in CT and buy a car in NH (no sales tax) I would still need to pay the full CT taxes when I registered the car in CT. If I bought the car in Utah I would pay the Utah tax of 4.7% and then the difference from the CT rate (6.3%) to the state of CT. If I bought the Car in California whic...
by TheGreyingDuke
Fri Aug 12, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 1899

Re: How do you wire money?

A few times I wired money overseas via Schwab, but they were not happy about and and finally told me I could not do it any longer. I don't know the reasoning, and it is no longer an issue for me since I am no longer a Schwab client. I wire money to China and Hong Kong from time to time, Vanguard ha...
by TheGreyingDuke
Fri Aug 12, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 1899

Re: How do you wire money?

What is funny to me is that you could've sent a check by overnight express courier yesterday and the recipient would have received it this morning. Except that, depending on your institution, there can be up to 7 days wait until you can access the full amount. Wires are available at once. Also, Van...
by TheGreyingDuke
Fri Aug 12, 2016 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Insight wanted on $$$ house purchase
Replies: 22
Views: 2381

Re: Insight wanted on $$$ house purchase

This is a bit tangential (and perhaps controversial) but here goes. This idea of "good schools" is something that has been oversold by those with economic/political agendas, which I will not go into here consistent with guidelines. But there is ample research to show that what happens in t...
by TheGreyingDuke
Fri Aug 12, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 1899

Re: How do you wire money?

I have wired money simply by walking into my local Wells Fargo bank and saying "I would like to wire money." It is that simple. Or call Vanguard and say the same, get the request in by 10 and it arrives that afternoon. With wiring there is no hold on the recipient getting the money, by th...
by TheGreyingDuke
Thu Aug 11, 2016 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Purchasing land as an investment
Replies: 14
Views: 1293

Re: Purchasing land as an investment

I am looking at purchasing a building lot for investment purposes, and wanted to get some opinions on it. I can pay cash for it from my taxable (it would use up about 65% of my taxable account value). I would still have a sufficient emergency fund left over after the purchase. Buying the land would...
by TheGreyingDuke
Wed Aug 10, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 70
Views: 8078

Re: Vanguard upgrading to Brokerage account comes with some nuisances

I don't know how many of the above posters have voice recognition at Vanguard but that has served as a workaround for a lot of paperwork that used to require a notary or signature guarantee. If you haven't already signed up for voice recognition, make sure you've done it. Indeed, this is the key, I...
by TheGreyingDuke
Tue Aug 09, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Cell Service for Elderly Parent
Replies: 10
Views: 828

Re: Cell Service for Elderly Parent

Let's assume that she is on Verizon because of coverage issues (a big assumption I know).

PagePlus can get the job done, buy minutes or sign up for a plan. Any Verizon phone will work, much cheaper than most in the wild Verizon plans.
by TheGreyingDuke
Tue Aug 02, 2016 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 44
Views: 3785

Re: Living in various places 4 months out of the year.

For university cities around the world sabbaticalhomes.com has worked well for us...

NYC, Ithaca, Berkeley, Charlottesville so far
by TheGreyingDuke
Mon Aug 01, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to send the direct rollover check to Vanguard?
Replies: 35
Views: 2904

Re: What is the best way to send the direct rollover check to Vanguard?

My proceeds from my 457b came via standard mail years ago. So I sent to Vanguard the same way without problems. Today I would send it via registered mail without return receipt.. SeeMoe.. :P Probably certified mail is what is needed, less expensive than registered which is for valuables, like jewel...
by TheGreyingDuke
Sun Jul 31, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 1949

Re: Looking to take first international trip

If it were me, and I only had one week I would be inclined to pick one place and stay there, taking advantage of possible nearby day trips depending on level of interest and availability (Normandy is not a viable day trip from Paris IMO). When we lived in Brussels, for a two week vacation (short by...
by TheGreyingDuke
Fri Jul 22, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 2307

Re: Expensive car maintenance or allocate to next car fund?

Anybody who wants to sell you a transmission flush (not just a simple drain) is someone to avoid. he potential harms attendant are legend, they only benefit the shop doing it.

http://www.allstatetransmission.net/transmission-flush-and-fluid-change-information
by TheGreyingDuke
Mon Jul 18, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dividing large sum among several banks - mechanics
Replies: 11
Views: 808

Re: Dividing large sum among several banks - mechanics

FYI Found this at Capital One site. (I Use CapOne 360 checking and money market) "Deposits are insured by the FDIC for up to $250,000 per depositor. A single account is insured up to $250,000. Joint accounts are 50/50 ownership and insured up to $250,000 for each individual on the account, equ...
by TheGreyingDuke
Sun Jul 17, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Income Limits
Replies: 9
Views: 966

Re: Medicare Part B Income Limits

A few years ago I inadvertently converted too much from my TIRA to the Roth, this was occasioned by a 5 year's wroth of charitable contribution made in the one tax year. This put me into the category for extra Medicare premiums; the next year, with income back to "normal", the surcharge we...
by TheGreyingDuke
Sat Jul 16, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: VG Move to Brokerage Accounts and Roth Conversions
Replies: 10
Views: 755

Re: VG Move to Brokerage Accounts and Roth Conversions

For this same login there also is a trust account on the old platform. I am not upgrading any trust accounts to the new platform until forced to, because it requires additional paperwork--you can't just do it online. There have been no issues with having a mix of accounts on old and new platforms. ...
by TheGreyingDuke
Fri Jul 08, 2016 7:00 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 6055

Re: Costco Tires - Anyone ever frustrated?

I guess I'll be sticking with discount tire. I rotate the tires myself every other oil change so I only need Discount tire for the free balancing and road hazard warranty. You can probably get away with rotating every 10-15k instead of every 5. Midas will also rotate for free with an oil change if ...
by TheGreyingDuke
Sat Jul 02, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: R.I.P. CIT Bank 3.25% brokered CD (called)
Replies: 49
Views: 4799

Re: R.I.P. CIT Bank 3.25% brokered CD (called)

One other thing about brokered CDs is that you will have a capital gain or loss when it matures (or is called) if you bought it at a price other than 100, which is likely . No, it is not "likely". If you purchase new issue brokered CDs (as I almost always do), you purchase at par (100) an...
by TheGreyingDuke
Sat Jul 02, 2016 7:19 am
Forum: Investing - Theory, News & General
Topic: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and dropping?
Replies: 74
Views: 6161

Re: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and droppi

If you are holding a broad market index fund like VTSAX, a drop in the quoted price is a blessing allowing you to buy more shares for the same amount of dollars. And if the asset price goes up it is a curse?? I am put off by the frequent celebration for decreasing asset value, as someone who is in ...
by TheGreyingDuke
Sat Jul 02, 2016 7:15 am
Forum: Investing - Theory, News & General
Topic: R.I.P. CIT Bank 3.25% brokered CD (called)
Replies: 49
Views: 4799

Re: R.I.P. CIT Bank 3.25% brokered CD (called)

One other thing about brokered CDs is that you will have a capital gain or loss when it matures (or is called) if you bought it at a price other than 100, which is likely.
by TheGreyingDuke
Sat Jul 02, 2016 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3544

Re: Unexpected Medical Facility Charges - Outpatient Surgery

It is disingenuous to place the burden on the consumer to ferret out the actual charges, in my experience no one (the doc, the hospital) can tell you what the cost of a procedure will be. Until there is transparency on the pricing of this "product" to excoriate the consumer for not doing d...
by TheGreyingDuke
Mon Jun 27, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2444

Re: An actual book on LastPass?

There are some sites that don't like to have LastPass fill in user name and or password, usually secured financial sites. In this case you click on the square with the three horizontal dots (it will be red if you have logged onto LastPass), and you will see "Show matching sites", click on ...
by TheGreyingDuke
Mon Jun 27, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 3909

Re: Recommend Ad Blockers

Even when I whitelist Forbes on AdBlock it still thinks I have it blacklisted
by TheGreyingDuke
Fri Jun 24, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: My first smartphone
Replies: 17
Views: 2091

Re: My first smartphone

A few years ago at least partially based on advice and opinions from this forum I changed my cell phone provider from Verizon to Page Plus for my flip phone. Since I am a low usage customer I have one of PP low cost pay-as-you-go plans and have been very satisfied with my thriftiness and haven’t se...
by TheGreyingDuke
Wed Jun 22, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Where to find data on medical procedure complications
Replies: 8
Views: 871

Re: Where to find data on medical procedure complications

If you don't trust your doctor, go elsewhere - everyone will be happier. If your doctor shrugs at a second opinion, and you have time and resources for a second or third opinion, jump. Most docs are elated with other opinions, and some are not. I rejoice in 17th opinions because 16 of those take th...
by TheGreyingDuke
Tue Jun 21, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Where to find data on medical procedure complications
Replies: 8
Views: 871

Where to find data on medical procedure complications

Is there a resource to identify, for a particular procedure, what facilities have the lowest complication rate? The procedure in mind is amniocentesis and various sources state that the complication rate ranges from 1 in 200 to 1 in 400, a not insignificant difference. It is clear that those who per...
by TheGreyingDuke
Sat Jun 18, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: I hate cell phones [battery problems]
Replies: 17
Views: 2023

Re: I hate cell phones [battery problems]

Latest phone (LG G Stylo - went cheap because my expensive phones would always fail) isn't charging (it says that it's charging, but the percentage actually goes down). When it isn't charging, battery completely depletes in a matter of hours, even with light use. I've had it 6 months. Is that enoug...
by TheGreyingDuke
Thu Jun 16, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Rent it out
Replies: 9
Views: 1185

Re: Sell or Rent it out

In my opinion the only numbers to consider are the $275k price he can get now, and $1600/mth rent. These numbers do not make for a profitable rental property. In most areas of the US you can achieve the 1% rule, meaning the monthly PITI payment is 1% of the value of the house. Some places people wi...
by TheGreyingDuke
Tue Jun 14, 2016 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs Leasing a Car
Replies: 27
Views: 1987

Re: Buying vs Leasing a Car

You didn't mention the cost of garaging your vehicle, that can be a factor

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