Search found 779 matches

by daveydoo
Wed Sep 20, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 24
Views: 2475

Re: Rock hit car windshield, where to repair?

They usually say that if the star is bigger than a quarter, then they replace, not repair. Old thread , I know but I'm looking for help. Windshield hit with a thumb-sized rock at freeway speed and I now have an asterisk-shaped crack ~ 0.75 inches across. There's no "spider-webbing" (i.e., concentri...
by daveydoo
Wed Sep 20, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 195
Views: 16833

Re: I won the Lottery. Need sound advice.

You don't have that much money. +1000. If this is a genuine post -- and, like others, I'm not confident it is -- you make $200K a year and now have a net worth of $500 or $600K and are talking about stopping work because it's not perfect? You didn't "win the lottery"; you lucked into a partial rese...
by daveydoo
Tue Sep 19, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 4626

Re: Getting (young) kids interested in coding

For the record, I would classify this as child abuse. +1 :D . Years ago, we had a neighbor who bragged that he was having his 3-year old practice her "mousing skills" in preparation for her computer-intensive education and, presumably, career. My spouse said "Yeah, after a year of that, I bet she'l...
by daveydoo
Tue Sep 19, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 33
Views: 2343

Re: Lease vs. Buy debate with a twist...

1) Are we at the precipice of rapid technological change in cars (e.g. self driving or on demand driving or other technological disruption) that making a 5 to 10 year commitment to the current technology by buying is not a wise decision... No. Self-driving cars are here or will be soon. Sacrificing...
by daveydoo
Tue Sep 19, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Car recommendation
Replies: 18
Views: 1551

Re: Car recommendation

1. We drive 7-8k/year in an urban environment and street park. 2. Safety features and technology (e.g. Apple Carplay) are most important considerations. 3. We value not having to worry about maintenance or service that newer or leased cars bring. 4. We want a sub-compact SUV. 5. Our max budget is 4...
by daveydoo
Tue Sep 19, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2328

Re: blood pressure monitor recommendations?

What is the expected confidence interval for a typical blood pressure measurement when done when it is done "correctly"? 5? 10? 15? mm of Hg or in percentage of the "expected" reading? I don't know the answer to this. I don't think there is an answer -- there is enormous inter-individual variabilit...
by daveydoo
Tue Sep 19, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 36
Views: 2770

Re: Memory Foam Mattress Recomendations

Isn't that an argument against all technological advances? No. We're probably not designed to sit in a chair for 12 hours straight, either. Doesn't matter if you're weaving baskets, writing sonnets by candlelight, or playing World of Warcraft. There are any number of similar arguments that can be m...
by daveydoo
Tue Sep 19, 2017 12:54 am
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2328

Re: blood pressure monitor recommendations?

Can a medical professional comment on the repeat-ability of blood pressure reading? If I were to take three successive readings (after allowing whatever the refractory period prescribed in the medical journal), what would be the variance of those three readings? I am guessing the best physician wil...
by daveydoo
Mon Sep 18, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2328

Re: blood pressure monitor recommendations?

Yep, my wife is really pissed at her doctors, nurses actually, consistently screwing this up and then getting yelled out by the doctor for not going on blood pressure medicine, which then elevates her blood pressure every time she goes in. We have countered that by testing at home and creating a qu...
by daveydoo
Mon Sep 18, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 45
Views: 2801

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

0-60 times don't really matter for day to day driving. The numbers you should be looking at are 30-50mph and 50-70mph in my opinion. Car and Driver provides these. You will notice that most SUVs/CUVs score between 4-6 seconds. This is very true, and a good point. But these are the "optional" passin...
by daveydoo
Sun Sep 17, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5612

Re: Getting over emotional attachment to house

Maybe just rent in the new area and see how you feel? Don't sell your current home and don't rent it, either. Sounds like you can afford it. See if a neighbor can keep an eye on things, and make trips back. I agree with pursuing the "path of least regret." Parents did this, admittedly with a much mo...
by daveydoo
Sun Sep 17, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 45
Views: 2801

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

2018 Outback .... Dislikes - 25-26 mpg - slower (9.1second 0-60 Car and Driver) Yeah, that's quite slow. Imo, a slow car is a safety hazard -- one of the reasons we ditched our older CR-V. If 0-60 in 9.1 seconds is a safety hazard, the problem is not the car. You probably don't merge much in dense ...
by daveydoo
Sun Sep 17, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 36
Views: 2770

Re: Memory Foam Mattress Recomendations

Be careful with memory foam, imo. If you're young, please disregard the following. Mattress "technology" seems increasingly designed to promote a blissful, uninterrupted night's sleep with a minimum of tossing and turning. Sink into a depression made by your own body weight and awaken in that same p...
by daveydoo
Sun Sep 17, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 45
Views: 2801

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

2018 Outback likes - quieter - conservative/plain Jane look - lower cargo floor - 2018 model - Harman Kardon speakers Dislikes - 25-26 mpg - slower (9.1second 0-60 Car and Driver) Yeah, that's quite slow. Imo, a slow car is a safety hazard -- one of the reasons we ditched our older CR-V. I have not...
by daveydoo
Sun Sep 17, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3349

Re: Should I contact a lawyer?

I'm a teacher and a colleague recently obtained a 125 page document of mine from over 5 years ago. I first thought this was your medical records, but it sounds like it's just instructional materials (?). Where I teach, this stuff gets passed back and forth with little thought or consequence. Yes, I...
by daveydoo
Sun Sep 17, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2512

Re: Pocket money allowance for college student

We did not make our kids pay for birth control and health care from their $350 a month, but they had to pay for all their food, toilet paper, clothing, drinks, video gaming, concerts, weekend trips, dates, etc. They didn't get cars as undergraduates. +1. Spouse (I had to check) says we're about $20...
by daveydoo
Sun Sep 17, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 6842

Re: Physiological effects of Early Retirement in peak earning years.

I'm not a physician but who says you have to "turn out the lights"? I do work in healthcare so I know that part-time opportunities exist at whatever level of commitment you want to make. That may be in a context you're not familiar with, so look around and talk to colleagues. They may know somebody...
by daveydoo
Sun Sep 17, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Help selling scion xa
Replies: 18
Views: 1196

Re: Help selling scion xa

Cobbled together and edited from some of my older posts. I have done this a bunch. I'd take Cars.com or AutoTrader; CraigsList is a wasteland, imo. Many on this forum can get more for their cars, but my objective has been to get a quick $2K more than trade-in value, and I was willing to commit one d...
by daveydoo
Sun Sep 17, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: brand of solid wood floor-Help!
Replies: 9
Views: 907

Re: brand of solid wood floor-Help!

omega wrote:
Sun Sep 17, 2017 11:24 am
...with solid wood floor...
Pre-finished or unfinished?
by daveydoo
Thu Sep 14, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2328

Re: blood pressure monitor recommendations?

...Utilizes a wrist cuff... As a general rule, avoid wrist cuff. It may "work well" and may even be accurate in "normals," but many older folks with high blood pressure and/or diabetes have significant blood vessel disease and may get a much lower blood pressure reading (read: false sense of securi...
by daveydoo
Thu Sep 14, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9383

Re: Companies/Brands You Love?

Houe wrote:
Thu Sep 14, 2017 4:22 pm

HP calculator (older 48GX in particular)
Surprised this took so long to show up here! So glad they saved us with the HP-35s; I was missing my RPN.
by daveydoo
Thu Sep 14, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3338

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

Instead of rebalancing, we have been using new contributions to maintain the desired Asset Allocation. This. Dan This is how I got so out of balance (my earlier post above). When you're in the latter half of your career, changing contributions just doesn't move the needle fast enough. I fooled myse...
by daveydoo
Wed Sep 13, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3338

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

I did 12.5% in a single transaction about a year or two ago, purely for the purpose of re-balancing -- things had gotten more lop-sided than I realized. It was the "right" thing to do, BH-wise. Cost me a fortune in lost appreciation ever since, but I keep telling myself that it was the right thing t...
by daveydoo
Wed Sep 13, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 8897

Re: Hearing aid 101

I've been satisfied with the results after about 4 months. I bought the high end of what they offered (Siemens) at about $6k for the pair. I would say they function more like an equalizer than an amplifier- they boost the higher frequencies quite a bit and leave the bass sounds at a lower level. I ...
by daveydoo
Tue Sep 12, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4239

Re: What money to store outside for disaster?

Years ago, when our kids were little, spouse worried about being stuck on the wrong side of the river (at work) when the Big One hit, with no way to get home with the bridges down. Expected to pay somebody with a boat to get her across. She kept $500 hidden in her car for years. Forgot about it. Sev...
by daveydoo
Mon Sep 11, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4048

Re: What do you do in slow travels?

Hotels are less than ideal for slow travel. You get a bed, a bathroom, and maybe a tiny balcony. If you're lucky, there might be a refrigerator and microwave, but that seems less common overseas. You need to look at apartments and homes via sites like AirBNB or VRBO. There are weekly and monthly di...
by daveydoo
Mon Sep 11, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

not4me wrote:
Mon Sep 11, 2017 9:19 am

Something about this is bugging me.
OK, thanks -- I will review this piece more closely with the estate's accountant.
by daveydoo
Sun Sep 10, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: eBay Best Offer Strategy
Replies: 19
Views: 2114

Re: eBay Best Offer Strategy

My yard sale technique is this. Offer half (or less) what they are asking. If they come back with a counter then I offer less than my 1/2 (or less) offer. They usually look at me oddly and I turn to leave. Most of them accept my 1/2 (or less) offer immediately. Thank you for your post, Mr. Presiden...
by daveydoo
Sun Sep 10, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

The broker requests bids on the specific issues, then within about 45 minutes or so, lets you know the highest bid. You then decide whether to sell ... Thanks! This seems to fit the description of what the advisor did (or, rather, asked of the custodian's bond broker). He felt that the spread was b...
by daveydoo
Sun Sep 10, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

If you distribute bonds, the split will never be exactly equal.. The beneficiaries will each be holding something different than each other, but that is ok as far as dividing up assets. What is not ok, in my opinion, is splitting up each bond. Yes, that can be done legally, but if the beneficiaries...
by daveydoo
Sun Sep 10, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

Have you received quotes ... Others can correct me but every time I've been involved with type of transaction, it's kinda like "Let's see what this baby goes for." I think there's no way to know until it sells since it's dependent on so many factors. Even for the same entity (same bridge, turnpike,...
by daveydoo
Sun Sep 10, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

My point is that if you have flagship status, being executor of another account that is moved there, will allow you to sell for lower selling costs. Thanks, celia . They're already commission-free in the existing account. The "high cost" reflects the bid-ask spread on these sub-institutional sized ...
by daveydoo
Sun Sep 10, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3352

Re: At what point would you considering Umbrella Insurance

I seem to recall that when we added umbrella years ago we reduced our auto liability coverage to the required minimum limit for the umbrella to be in place. Our auto had been very high and the umbrella was cheap -- I don't think we came out ahead but even the modest cost of the umbrella was signific...
by daveydoo
Sun Sep 10, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: eBay Best Offer Strategy
Replies: 19
Views: 2114

Re: eBay Best Offer Strategy

As an eBay buyer and seller, I've found this thread helpful and interesting. If an item is commoditized, your 50% offer will be ignored. For one-offs, like estate jewelry, where the expected in-store discount is 30%, a low-ball isn't unreasonable. I see lots of things priced to sell at 30% of asking...
by daveydoo
Sun Sep 10, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

But how are you calculating capital gains exposure? The guy who buys and sells the bonds -- well, the advisor who works with the bond buyer -- used data from the account's gain/loss report for the CG exposure. I can inquire about the source for the underlying data. For the spread, it sounds like he...
by daveydoo
Sun Sep 10, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

That is, IF the bonds were sold before distributing, what is the tax situation for the entity tha would pay the capital gains tax? I assume at this point regardless of who pays/when it is paid that this is long term cap gain. Sounds like the 4 heirs would be paying 15% for fed + state. Would the "e...
by daveydoo
Sat Sep 09, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6023

Re: Luxury car: perception vs reality

...during my 25 years living in the Midwest... The Midwest is unique. I'm always impressed when visiting a Detroit-based family member that there are almost only American cars on the road. Even the "fancy" cars are giant American cars. Some of them are probably pretty good. I'm guessing you didn't ...
by daveydoo
Sat Sep 09, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

Gill wrote:
Sat Sep 09, 2017 4:04 pm
Also, your post implies you may have up to $400,000 in munis. 4-5% is at most $20,000 or $5,000 per beneficiary. Not material in my opinion.
I'd go out on a limb to save $1,000 per beneficiary (in LTCG tax). To me and my family, that's considered "real money." :D
by daveydoo
Sat Sep 09, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

I find it hard to believe you have a large capital gain since death on municipal bonds. More likely you would be selling at a loss. They will not be selling at a loss; that was the reason for my post. I sure wish you could "talk" me out of the capital gain but it is there (4 - 5%) whether you belie...
by daveydoo
Sat Sep 09, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

There is no question I would liquidate the entire estate and distribute cash....Executor's get themselves in trouble in situations such as this when the best action is to liquidate ASAP and distribute cash. Thanks for the reply. I was asked to do what made the most sense, financially, and not neces...
by daveydoo
Sat Sep 09, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Re: Sell deceased's "wrong-state" muni bonds?

Jack FFR1846 wrote:
Sat Sep 09, 2017 1:35 pm
If you distribute and the bonds get a step up basis, I don't see where there's a problem.
Thanks for the reply. I should have specified. There is no step-up in basis in this context so the CG hit still applies.
by daveydoo
Sat Sep 09, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6023

Re: Luxury car: perception vs reality

Some good posts above. As others have said, the line between "luxury" and "non-luxury" cars has really blurred. Our top-trim Mazda is way better appointed (and handles way better) than the cloth-seat manual-seat-adjust 320 i loaner I recently drove when my BMW was in the shop. Not sure who would ev...
by daveydoo
Sat Sep 09, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Sell deceased's "wrong-state" muni bonds?
Replies: 27
Views: 1824

Sell deceased's "wrong-state" muni bonds?

Executor for modest estate and all of the taxable fixed income is in the form of muni bonds, 90% of which are in the state of the deceased. Low- to mid- six figures, total, and will be divided four ways among heirs. The aggregate yield looks to be about 2.7% annually with maturities ranging from 202...
by daveydoo
Sat Sep 09, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1454

Re: Anyone use Nextdoor.com for referrals?

I've used it to instantly give away old furniture (< 1 hr), and to buy a few local things (extra eclipse glasses!). And to discuss the occasional neighborhood issue. It's been great for all those things -- way less creepy and anonymous than Craigslist and less of a production than eBay, But, like th...
by daveydoo
Sat Sep 09, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6023

Re: Luxury car: perception vs reality

Some good posts above. As others have said, the line between "luxury" and "non-luxury" cars has really blurred. Our top-trim Mazda is way better appointed (and handles way better) than the cloth-seat manual-seat-adjust 320 i loaner I recently drove when my BMW was in the shop. Not sure who would eve...
by daveydoo
Sat Sep 09, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3352

Re: At what point would you considering Umbrella Insurance

It's for liability, which can impact any of us or our kids. Even if you don't have a ton of assets, you can still lose it all. And it's very inexpensive -- few hundred bucks annually for a lot of coverage (few million). I'm sure it's seldom invoked but I can much more readily predict the financial i...
by daveydoo
Thu Sep 07, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9383

Re: Companies/Brands You Love?

The best I ever had were fudge stripes (knockoff of Keebler elves fudge stripe cookies). They were (to me) better than the brand name. +1 again! Those were great! You are the cookie whisperer! And to others, Joe-Joes are not like Oreos... We get Oreos about once a year in summer when spouse makes O...
by daveydoo
Wed Sep 06, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9383

Re: Companies/Brands You Love?

ellsbebc wrote:
Wed Sep 06, 2017 9:18 pm

As a former 513 resident, I speculate @bengal22 is from Cincinnati. Several of the listed brands are local favorites.
munemaker wrote:
Google is your friend!
Oh for Pete's sake, it's a joke. Do I really need :happy :) :D :happy ? OK, there it is.
by daveydoo
Wed Sep 06, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9383

Re: Companies/Brands You Love?

bengal22 wrote:
Tue Sep 05, 2017 7:31 pm
Graeter's ice cream
Marion's pizza
WARPED Wing beer
Mikesell potatoe chips
Fox News
Are any of these real?
by daveydoo
Wed Sep 06, 2017 1:09 am
Forum: Investing - Help with Personal Investments
Topic: What to do with apprecited JABAX in taxable account?
Replies: 7
Views: 544

Re: What to do with apprecited JABAX in taxable account?

If you donate to charity, use these appreciated shares for gifting and for your annual contributions to your religious organization, if you have one. You can do this gradually, via letters of instruction to the custodian (tedious and requires some follow-up) or in one fell swoop by donating (all? ha...