Search found 619 matches

by exoilman
Thu Jun 22, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: IRA friendly MLP's
Replies: 2
Views: 216

IRA friendly MLP's

Are there any that don't require K-1 or have any other tax implications?

Thanks
Sam
by exoilman
Mon Jun 05, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4058

Re: NJ Lemon Law 2017 Honda CRV

A jumper is not a solution. If a lead acid battery is discharged and remains discharged, it will be damaged. It accelerates the sulfation process that leads to battery death. If you have a significant parasitic load, you will need to keep it on a maintenance charger to avoid damage to the battery. ...
by exoilman
Fri Jun 02, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4058

Re: NJ Lemon Law 2017 Honda CRV

We just picked up our CRV today after 3rd visit. Looks like they found the problem which caused the battery drain. It was a software fix the car needed. We'll see and hopefully no more problems relating to this. When I contacted Honda USA they knew of the problem and perhaps my desire to use the NJ ...
by exoilman
Tue May 23, 2017 6:11 am
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4058

Re: NJ Lemon Law 2017 Honda CRV

Thank you to all for your input. Yesterday I initiated our concerns by calling Honda USA where I was assigned a case number. They will contact the dealer for the first step. Our hope is that a fix is coming. We really like the car.

Regards
Sam
by exoilman
Sat May 20, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4058

NJ Lemon Law 2017 Honda CRV

Has anyone taken advantage of NJ Lemon Law? We recently purchased a 2017 Honda CRV Touring model. On two occasions, last one this week and the other last week the battery goes dead. By dead I mean nothing operational. We like the car very much so would like resolution. The first time they told us we...
by exoilman
Thu Apr 20, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: 1 million minimum MM at Fidelity
Replies: 4
Views: 1479

1 million minimum MM at Fidelity

While looking at some funds FMPXX (1.02% taxable) and FTCXX (.75% tax exempt) the minimum for entry is 1 million dollars. These are available to individuals. Used to be institutional only. I guess a good place for wealthy investors waiting for market correction.

Regards
Sam
by exoilman
Thu Mar 30, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11691

Re: When do you plan to die?

Prior to my wife, children and grandchildren. :beer

Sam
by exoilman
Fri Feb 24, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: New car purchase
Replies: 12
Views: 1630

Re: New car purchase

The dealer took 3K as my down payment. When I returned to pick up our new car they took another 1K and our check for the balance.

Sam
by exoilman
Tue Feb 14, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: New car purchase
Replies: 12
Views: 1630

New car purchase

How much will a dealer take on our credit card? Our purchase will be all cash for the balance. Any ideas as to negotiating a maximum charge?

Thanks
Sam
by exoilman
Sun Jan 01, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit Shelter Trusts in the Era of Portability
Replies: 14
Views: 1502

Re: Credit Shelter Trusts in the Era of Portability

reference, what is considered for high net worth couples in NJ?

Sam
by exoilman
Mon Nov 07, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 11909

Re: Amazon Echo

Thanks to all

DW saw your posts and bought at BBBY for $140 free delivery.
THanks
Sam
by exoilman
Mon Nov 07, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 11909

Amazon Echo

Is the Amazon Echo just a novelty or worth the $150?

Thanks
Sam
by exoilman
Sat Sep 17, 2016 7:48 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 476
Views: 65141

Re: TIPS - Did you give up?

reference
by exoilman
Sat Sep 10, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 9644

Re: Should I upgrade my 6 year old plasma TV?

I own a 2009 Panasonic 46" plasma. Then, 2 years ago, I gave in and bought a 51" Samsung award-winning plasma, at great price reduction, right before they stopped making them. I am watching the US Open on it right now, and it's an amazing picture (truly). But this was a great deal, a $150...
by exoilman
Sun Jul 17, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: have we reached the tipping point in the active vs. passive battle
Replies: 43
Views: 5341

Re: have we reached the tipping point in the active vs. passive battle

Larry wrote : The markets keep teaching us that while active management does provide for the possibility of market-beating performance, the much greater likelihood is underperformance. This is also true of a herd run on the S&P500 in my opinion. We are experiencing an S&P stampede very simi...
by exoilman
Wed Jul 13, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Mac Computer
Replies: 21
Views: 1942

Mac Computer

Hello all tech types,

I trade with Fidelity and they use Microsoft for the trading platform. If I buy a Mac, is there a program that I can buy for the mac that will allow trading that Fido uses.

Thanks
Sam
by exoilman
Tue Jul 05, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Delivered ingredients for meal preparation
Replies: 11
Views: 1435

Delivered ingredients for meal preparation

We are considering a three meal weekly program. We will try Blue Apron and go from there. Anyone here have experience with any program?

http://observer.com/2016/01/we-tried-bl ... -the-best/

Thanks
Sam
by exoilman
Sat Jul 02, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 6069

Re: Why is everyone up in arms about Costco's credit transition?

Munir wrote:
unclescrooge wrote:
miamivice wrote:Or is this just media hype?


This is the media making moutains out of molehills because we're a nation of Kardashian-watching morons and don't really care about real news anymore.


+1.


+1
by exoilman
Wed Jun 29, 2016 8:06 am
Forum: Investing - Help with Personal Investments
Topic: NJ Muni bonds
Replies: 11
Views: 954

Re: NJ Muni bonds

Thanks again for the advice/info. I will check with Fidelity also because I keep all my taxable there. Vanguard all tax deferred. If there is a large difference in expenses I will move the appropriate amount there.

Sam
by exoilman
Tue Jun 28, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: NJ Muni bonds
Replies: 11
Views: 954

Re: NJ Muni bonds

Thanks for the fund recommendation. What about individual NJ muni's?

Sam
by exoilman
Sun Jun 26, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: NJ Muni bonds
Replies: 11
Views: 954

NJ Muni bonds

Any recommendations for high quality NJ munis?

Thanks
Sam
by exoilman
Fri May 20, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 4464

Re: Pride in no inheritance to kids?

We are in the camp of helping currently as well as leaving some inheritance. As boomers we were able to pick essentially what company to work for in the sixties. We consider that good fortune and don't see the same opportunities today for children and grandchildren. I worked for Exxon and their pens...
by exoilman
Sat Apr 16, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4539

Re: Meeting with a Fidelity Financial planner, is it useful?

We have a brick and mortar Fidelity office on the other side of town (about 30 minute drive). I meet with one of their reps once or twice a year. I've found two primary advantages: a) A second set of eyes on my long term financial plan with some free advice (usually just things I should consider or...
by exoilman
Sat Apr 16, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4539

Re: Meeting with a Fidelity Financial planner, is it useful?

I have most of my money with Fidelity and I have an account manager who does not charge me anything. I have been very happy with them. Having said that, however, Fidelity does offer fee based services. I would just have the conversation with the rep and see what he has to say. Fidelity has some gre...
by exoilman
Thu Mar 24, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Leasing new car
Replies: 12
Views: 1070

Re: Leasing new car

I recently posted for buying a new car. Now I am thinking leasing. I am 72 and DW 66 and now thinking might be better to have a replacement every 3 years. The most mileage per year will be less than 10K. Are any folks here doing this? The car we will be buying is ~ 50K and would be bought with cash...
by exoilman
Thu Mar 24, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Leasing new car
Replies: 12
Views: 1070

Re: Leasing new car

I recently posted for buying a new car. Now I am thinking leasing. I am 72 and DW 66 and now thinking might be better to have a replacement every 3 years. The most mileage per year will be less than 10K. Are any folks here doing this? The car we will be buying is ~ 50K and would be bought with cash...
by exoilman
Thu Mar 24, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Leasing new car
Replies: 12
Views: 1070

Leasing new car

I recently posted for buying a new car. Now I am thinking leasing. I am 72 and DW 66 and now thinking might be better to have a replacement every 3 years. The most mileage per year will be less than 10K. Are any folks here doing this? The car we will be buying is ~ 50K and would be bought with cash ...
by exoilman
Sun Mar 20, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car
Replies: 56
Views: 7944

Buying a new car

I will be buying a new car soon without a trade in. I would appreciate any tips for getting best price. I don't like to haggle and will pay cash for new car.

thanks
Sam
by exoilman
Sun Mar 20, 2016 6:58 am
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1980

Re: giving car to child

I am familiar with gifting. Yes I am married and the car has a trade in of ~ 17k or private ~18k. We live in NJ so what I need to know when I sign the bill of sale my child will register in their name. I am guessing that they ask the price? What record keeping will I need if any? As mentioned, you ...
by exoilman
Sat Mar 19, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1980

Re: giving car to child

My child is 42, married with 2 children and lives in own home. I don't think this applies here. Sam Does your child also live in New Jersey? The link I Googled and posted is for a car transferred to someone in New Jersey. If your child lives in another state you will need to research the law in tha...
by exoilman
Sat Mar 19, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1980

Re: giving car to child

Just FYI, I'm not a lawyer but it would be good to check to see if they are in a serious accident if it is possible that you can still be sued even if the car is in the kids name. I'm not sure how successful it would be but I recall seeing articles about parents being sued after putting cars in kid...
by exoilman
Sat Mar 19, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1980

Re: giving car to child

The law on sales tax differs by state. This is something you could Google for yourself, but I just Googled it for you. Here is the link for New Jersey: http://www.state.nj.us/mvc/Vehicle/VehiclesExempt.htm See Exemption #6 at that link. You must enter "GIFT" as the price on the form when ...
by exoilman
Sat Mar 19, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1980

Re: giving car to child

I am familiar with gifting. Yes I am married and the car has a trade in of ~ 17k or private ~18k. We live in NJ so what I need to know when I sign the bill of sale my child will register in their name. I am guessing that they ask the price? What record keeping will I need if any?

Thanks Again

Sam
by exoilman
Fri Mar 18, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1980

giving car to child

I am giving our car to one of our children. It's value is ~ 20k. Do I report as a gift or what do I do?

Thanks
Sam
by exoilman
Wed Mar 02, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why not take dividend income in taxable account
Replies: 7
Views: 1396

Why not take dividend income in taxable account

Investing in quality companies such as XOM, GE, PEP that pay ~3% allows for 15% tax versus 28-35% Income tax. The difference can the be invested in many stocks like this. Is my thinking flawed?

Thanks
Sam
by exoilman
Mon Feb 08, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Go Pro camera
Replies: 7
Views: 862

Re: Go Pro camera

Nope. Very easy. The difficulty would lie in doing quality edits of your videos--learning curve that I've really not felt like mastering yet! (You mention "least expensive one," which might refer to the new ice-cube sized one? If so, ignore my response, as my experience is with the cigare...
by exoilman
Mon Feb 08, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Go Pro camera
Replies: 7
Views: 862

Go Pro camera

I want to buy the least expensive one to record some things. Is it complicated to put on a disc for future playback?

Thanks
Sam
by exoilman
Sun Jan 31, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning advice?
Replies: 34
Views: 4989

Re: Estate planning advice?

reference
by exoilman
Sat Jan 02, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 3860

Re: Vacuum for hardwood

reference
by exoilman
Wed Dec 09, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Roomba
Replies: 8
Views: 1222

Re: Roomba

Globalviewer58 wrote:A recent thread: viewtopic.php?t=169853

We have 2 of the 780 models and I recommend you compare features to ensure you buy the right model for your needs.


thanks

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