Search found 511 matches

by tractorguy
Tue Nov 29, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 53
Views: 8444

Re: Is Quicken Worth it?

Does Quicken support multi factor authentication? Yes. I use multifaceted authentication on my Vanguard account and Quicken still downloads transactions OK. I have a similar set up but Quicken is not actually impose multi factor authentication. Are you being pinned for the second factor when using ...
by tractorguy
Tue Nov 29, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: How to discuss salary offer as a manager?
Replies: 29
Views: 2560

Re: How to discuss salary offer as a manager?

Indeed. I find it absurd that you wish to talk salary to the employee before the figures are first cleared by HR. You'll look extremely silly, and the employee will be totally pissed off if you talk 75k and HR then says no way. +1 on this and not just the money. You need to confirm the salary grade...
by tractorguy
Sat Nov 26, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: OK for me to retire in early 2017?
Replies: 14
Views: 3401

Re: OK for me to retire in early 2017?

I retired at age 58 with numbers very similar to yours. 6 years later, I am not yet collecting SS but have been very happy with my financial situation. I too had trouble finding things to do before retirement because I was working all the hours of the day and too tired on the weekend to do much. Wit...
by tractorguy
Fri Nov 25, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 81
Views: 5967

Re: Got a Job offer, can I see 401k options beforehand?

I also agree that trying to negotiate has close to zero chance that it will cause the company offering you a job to rescind the offer. Anyway, if they make a promise (an offer) and then try to back out of it you don't want to move to another city to work for them anyway. As a former hiring manager, ...
by tractorguy
Mon Nov 21, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 3205

Re: Synchrony vs Ally

I have CD and savings accounts at both. I have found Ally much easier to buy CD's and set up accounts. Unfortunately, they are currently offering lower rates for 12 month CDs and the convenience is not worth passing up the increased income so I bit the bullet and am dealing with Synchrony for my sho...
by tractorguy
Sat Nov 19, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 53
Views: 8444

Re: Is Quicken Worth it?

ABS wrote:Does Quicken support multi factor authentication?

Yes. I use multifaceted authentication on my Vanguard account and Quicken still downloads transactions OK.
by tractorguy
Wed Nov 09, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to a friend using CC via PayPal?
Replies: 9
Views: 988

Re: Sending money to a friend using CC via PayPal?

I have sent money internationally using paypal. The times I did it, the receiving person had a paypal account set up to take it. Paypal handled all of the currency exchange. Within the U.S., I prefer to send money from my bank using Popmoney. Many banks have this or you can do it from the Popmoney w...
by tractorguy
Tue Oct 04, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Incipient Car Rust: DIY Repair?
Replies: 15
Views: 930

Re: Incipient Car Rust: DIY Repair?

I fought rust on a few cars in the 70's and never successfully got it repaired and looking good. The rust in the picture you referenced is probably coming from the back surface. Because of that, any attempt to treat it from the front only is going to be a temporary patch. New paint over rust that is...
by tractorguy
Mon Oct 03, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4499

Re: Staying at same company for years and years….bad idea?

My advice is to polish up your resume, do some networking, and find out what opportunities are out there. You may find out that there is nothing that will give you the job satisfaction, opportunities and pay that you are getting now. If that is the case, you can stop worrying about jumping ship and ...
by tractorguy
Wed Sep 21, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Ameriprise for Vanguard - Tax Implications?
Replies: 11
Views: 1185

Re: Leaving Ameriprise for Vanguard - Tax Implications?

You invested $35K 5 years ago. Its now worth $60K. I'm guessing that you've been reinvesting dividends and capital gains distributions and paying tax on those as you go. However, you probably also have "unrealized" capital gains. You will have to pay capital gains tax on this unrealized ga...
by tractorguy
Mon Sep 19, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: New hollow core door or shorten the one I have?
Replies: 26
Views: 1523

Re: New hollow core door or shorten the one I have?

I've shortened several hollow core doors at various times. I own both a circular saw and a belt sander. It sounds like you have very little to take off. 1/8" would jam the door and make it impossible to open. 1/16" is more likely to be the interference. Based on this assumption, I'd use a ...
by tractorguy
Thu Sep 01, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1119

Re: Windows 10 Update error

This sort of problem is why my old mega Corp paid for maintenance on mission critical software. A minimum expectation for an accounting package is that the provider would update it to make it compatible with windows 10. If they don't, or if you are moving to something else, then I'd buy a dedicated ...
by tractorguy
Fri Aug 26, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Computer Security [Risk of using online financial services]
Replies: 31
Views: 2752

Re: Computer Security [Risk of using online financial services]

A further comment on the aggregators: There was a bogglehead discussion topic on this in 2015. https://www.bogleheads.org/forum/viewtopic.php?t=177582 I'm not aware that anything has changed. Some big banks are discouraging them and raising security flags because of business reasons having nothing t...
by tractorguy
Sun Aug 21, 2016 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Seemingly Too Good To Be True Investment Opportunity: Invest or Don't?
Replies: 85
Views: 6991

Re: Seemingly Too Good To Be True Investment Opportunity: Invest or Don't?

Your friends numbers don't add up. He's claiming that he buys wholesale, which every retailer in the U.S does, sells on line and has a 56% per year net profit margin to share with his investors. Profit margins in retail businesses are generally in single digits. I'd run away from this opportunity.
by tractorguy
Wed Aug 17, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Earlier Retirement with Lower Pension?
Replies: 26
Views: 3074

Re: Earlier Retirement with Lower Pension?

In many ways, only you can answer your question. In your shoes, I would continue to save and invest for the next 3-4 years and then get serious about crunching the numbers. In my case I retired at age 58 and, like you, left quite a bit of money on the table. However, I had estimated my retirement bu...
by tractorguy
Sat Aug 13, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Move account from Morgan Stanley?
Replies: 16
Views: 915

Re: Move account from Morgan Stanley?

You can probably transfer the holdings you have at Morgan Stanley "in kind" and then sell them with the timing designed to minimize taxes. You haven't told us what you own (except for mentioning Apple stock) so I can't tell you specifically what will or won't transfer. However, you can fin...
by tractorguy
Fri Jul 22, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Renovate or replace 12yr old SUV?
Replies: 45
Views: 2585

Re: Renovate or replace 12yr old SUV?

Keep it. If you have two teenage sons who are learning to drive, you should plan on at least one of them being involved in a fender bender in the car. My experience with 4 daughters is that 50% are going to hit something. A coworker had his daughter total his wife's new car on the way back from the ...
by tractorguy
Thu Jul 21, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 54
Views: 3603

Re: Removing Broken Bolts

My recommendation is to look on Craigslist for a 2-3 year old elliptical machine to replace your old one. Haul the old one out to the street for the scavengers to pick up. I've had some experience with broken bolts and have found them to be very, very frustrating and time consuming to deal with. If ...
by tractorguy
Tue Jul 19, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Garage Door Wireless Keypad
Replies: 3
Views: 777

Re: Garage Door Wireless Keypad

I bought the Chamberlain opener with MyQ from home Depot 2 years ago and it has been working flawlessly with my Lift master door opener. Easy to install and program.
by tractorguy
Sat Jul 02, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 4919

Re: Your Favorite Factory Tours?

+1 on Boeing tour I liked the the Buffalo Trace distillery tour much better than the Jack Daniels. Buffalo Trace have several different tours with samples at the end and you really get into the factory. We did two. Do this in the cool months as they can't run the distillery in the summer. When in Fr...
by tractorguy
Sat Jul 02, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Donation gone Awry
Replies: 4
Views: 1151

Re: Charitable Donation gone Awry

In my limited experience Drip accounts trade the advantage of low cost dividend reinvestment with a major pain of additional paperwork and slow execution when you want to sell anything. IMOP the answers to your questions are. 1. Who's fault is the error? If the brokerage didn't execute the orders on...
by tractorguy
Fri Jun 24, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Hybrid bike/rack recommendations
Replies: 20
Views: 1635

Re: Hybrid bike/rack recommendations

After using rooftop and trunk mounted bike racks, I switched to a Saris Freedom 2 tray type hitch mounted bike rack. It's by far the easiest rack to put on the car or put bikes on that I've ever used. The tray type hold the bikes securely without them swinging into each other or the car. That is not...
by tractorguy
Wed Jun 22, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1699

Re: Using toll roads without transponder?

Why don't you get a transponder? I just looked at the NC toll road site & found that a hard case transponder is $10.00 and is compatible with EZ-pass. I'm in the middle of a trip & know from personal experience that EZ-pass works in Illinois, Indiana, Ohio, New Jersey, New York, Connecticut,...
by tractorguy
Thu Jun 16, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: I want to be Handyman for my tasks
Replies: 85
Views: 5303

Re: I want to be Handyman for my tasks

My parents bought me the Readers Digest The Complete Do-it-Yourself Manual in the 70's when I first bought a house and I still refer to it occasionally. Its been updated and is available on Amazon. I suggest you buy a copy and keep it around. You can probably find all of the information in it on the...
by tractorguy
Thu Jun 09, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Company Being Acquired - Any Advice?
Replies: 51
Views: 5872

Re: Company Being Acquired - Any Advice?

There has been a lot of good advice here that you should consider. In addition to this, since you say you're in a corporate role, I'd try to benchmark my job function and department function against my counterparts in the acquiring company and ask these questions: * Is my function/department unique ...
by tractorguy
Thu Jun 09, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Our "Advisor"... [Help with next steps]
Replies: 7
Views: 986

Re: Leaving Our "Advisor"... [Help with next steps]

Why do you think the laggards are going to get better faster than the funds you will be buying with the money from them? You could easily watch them continue to lag the market for a long time. I did this a couple of times early in my investing career and since then have been a strong believer of cut...
by tractorguy
Sun May 29, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: When to get first car service done
Replies: 70
Views: 4104

Re: When to get first car service done

I would follow the maintenance minder unless you have strong data that suggest you should disregard it. The company I worked for (look at my avatar & you can guess it) had Ph.D. engineers doing nothing but working on the best oil and the oil change intervals for their engines. They were continua...
by tractorguy
Tue May 24, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 2225

Re: be my mother in law's financial advisor...or not?

If she's living in a paid for house & is living off SS & a small pension, it sounds like this $400K is an emergency fund for medical expenses or for when she has to move to a retirement home (along with the equity in the house). The question is if the drag on her portfolio from this adviser ...
by tractorguy
Sun May 15, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4269

Re: Trade in BMW?

Based on my experience, you'll shortly be getting an offer from your BMW dealer to sell you a 2 or three year extension on your warranty. The cost for this, plus cost of oil and filter changes, will set an upper limit on the average cost of keeping your BMW. On the one hand, BMW and the dealer make ...
by tractorguy
Sun May 15, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8985

Re: Buying a house for an adult child (child adult?)

You are risking your retirement if you do this. I have two coworkers who cosigned loans for children just before the housing bubble burst in 2008. Both sets of children were laid off and had to move to find work and couldn't afford to make payments on the house and their new housing. The parents wer...
by tractorguy
Wed Apr 27, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 13529

Re: I Hate My Job: Politics at Work (Advice Needed)

If I had a junior person who was working for me as a contractor who was trying to play political games, I'd quietly let the contract expire without renewing. The skillset for being successful in the working world is very different than the skillset for academic success. This is the part of life whe...
by tractorguy
Sun Apr 10, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 59
Views: 7397

Re: Free old BMW worth it?

I own a 07 328i. The car is a dream to drive but it is expensive to run, insure and maintain. A 5 series will be worse. Cars.com is showing asking prices of $10K + in my area for the car you describe in clean condition. If it were me, I'd take the money and put it towards something more practical fo...
by tractorguy
Thu Apr 07, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 4601

Re: How often does your credit card # get stolen?

I've had 4 new Capital one cards issued to me in 4 years. The last one had a chip in it. It was hacked last Friday and I got a new one on my doorstep on Tuesday. I've only had one case of fraudulent charges. The credit card company noticed it before I did and called me on my cell phone. They'd seen ...
by tractorguy
Wed Apr 06, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card being closed for inactivity...Should I care?
Replies: 7
Views: 1091

Re: Credit card being closed for inactivity...Should I care?

I like to keep two cards active so that I have a backup if one gets locked. I just got a phone call last Friday night that my credit car number had been compromised. The issuer didn't say where this happened. They reviewed the charges on my card (all mine) and then locked it. A new card showed up Tu...
by tractorguy
Sun Mar 27, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance-Notice of Non Renewal
Replies: 37
Views: 3191

Re: Auto Insurance-Notice of Non Renewal

If you have a child under (I think) 24 living with you, the insurance companies will assume that he/she is going to drive any car in the house. They also going to assume that their presence will increase the chance that an accident might happen on your property. When my then 23 year old daughter lef...
by tractorguy
Mon Mar 07, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: A Lost Engineer [Which masters program to pursue?]
Replies: 20
Views: 3046

Re: A Lost Engineer

+1 on looking for a new job. The megacorp I worked for would generally move young engineers to a different division every 3-5 years to broaden their experience, give them new managers and co-workers to learn from, and broaden their network. It sounds like you're ready for this move. Since the compan...
by tractorguy
Mon Feb 29, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 11326

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I've historically used Turbotax because of Vanguard's Flagship member discount. This year, I've entered data into the online versions of both Taxact and H&R Block's program. I found H&R Block's easier to use, has better documentation, and is significantly faster to use than TaxAct. I will pr...
by tractorguy
Wed Dec 30, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: bicycle insurance
Replies: 17
Views: 1281

Re: bicycle insurance

Check with your insurance agent for your homeowners /renters policy. You may have to itemize a bike of this value specifically to get it covered. Plus 1on bringing a good bike indoors at night. All locks can be broken given a little bit of time.
by tractorguy
Mon Dec 14, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 2283

Re: Buy a Bosch dishwasher on Amazon?

After a bad experience with a clothes washer that I bought from a mail order buying service in the 70's, I have a personal rule that I don't buy on line anything that I can't carry out to the car and back to a UPS store. Returns are just too much of a hassle if it takes more than one person to pick ...
by tractorguy
Sun Dec 13, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 4889

Re: Need recommendations for 4WD/AWD vehicle

Are there laws about using chains where you are? In my experience driving in the Alps in the winter, a 2WD vehicle with chains will be able to pull a stuck 4WD out of the ditch. Chains on the drive wheels of your Camry will mean that you can start, stop and steer. 4WD will allow you to get started i...
by tractorguy
Sun Dec 13, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Computer Photo Backup
Replies: 54
Views: 3604

Re: Computer Photo Backup

+1 on organizing your photos so that you know where they are. All of mine are organized as subdirectories in the "My Photos" directory on my laptop. I've got them sub organized by year and then by the date that the photo was taken. I bought a cheap Western Digital 1 terabyte NAS drive that...
by tractorguy
Fri Dec 11, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: Ship car from overseas or sell it?
Replies: 7
Views: 766

Re: Ship car from overseas or sell it?

I'm going to say sell it for all of the reasons mentioned. In addition, cars with the same name in Europe are not necessarily identical to the models sold here. Emissions laws, safety regulations, different fuel availability, can all drive differences in engines and other pieces. There is a potentia...
by tractorguy
Sun Dec 06, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 25502

Re: A car nicer than the boss?

+1 on renting for a few weeks while you figure out the culture at your new office and several other things. I've worked at or known of companies that had a culture that ran the gamut from "keeping up with the Joneses" to "I don't care" to one in which the chairman fired managers ...
by tractorguy
Mon Nov 23, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: Moving out of state for one year - for transportation, rent/Uber/what else?
Replies: 27
Views: 2685

Re: Moving out of state for one year - for transportation, rent/Uber/what else?

I'd take the car for a lot of reasons. 1.Sightseeing. You're going to be 2500 miles from your home for a year. I'd be someplace different every weekend. Most of the really cool places are going to be a car ride away. 2. Shopping. Except for some city centers. It is very difficult to bring home groce...
by tractorguy
Thu Nov 19, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: College Engineering Programs - how different are they?
Replies: 152
Views: 10516

Re: College Engineering Programs - how different are they?

One consideration I've not seen mentioned is that students are much more likely to settle in a region that is geographically near the school. Between companies interviewing locally and making friends and potential spouses from the area there are strong incentives to stay in the area. If you want you...
by tractorguy
Thu Nov 05, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Direct Vent Gas Hot Water Tank
Replies: 21
Views: 2269

Re: Direct Vent Gas Hot Water Tank

FYI, I just had a local plumber replace a forced draft water heater with a 50 gallon forced draft, AO Smith model. His standard installed fee was $1880. This included hauling away the old heater. Looking at specs, the AO Smith heater has almost twice the BTU's as an equivalent size forced draft wate...
by tractorguy
Thu Oct 29, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 49
Views: 6289

Re: Stick out miserable job for health insurance in retirement?

I'd be looking for a new job. Putting up with even one year of misery now on the hope that it will pay some benefit 20 years from now is a bad bargain IMOP. Bogleheads as a group are all about willing to defer gratification but this is much, much more than putting off buying some toys until you can ...
by tractorguy
Thu Oct 29, 2015 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Exercising Options - splitting hairs?
Replies: 5
Views: 673

Re: Exercising Options - splitting hairs?

If your plan is like mine, the broker will sell to cover and withhold taxes on the exercise assuming that you're at the 28% marginal rate. When you file your taxes, you'll have to come up with the cash to pay the taxes on the difference between 28% and your real rate. Depending on the size of the ex...
by tractorguy
Fri Oct 16, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 4153

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

The advertised pulling capacity is an OK starting point but you really need to look at tongue weight, tow vehicle max GVW, and max load on each axle before you can decide if your vehicle can pull your trailer safely. In my experience, many RV dealers will upsell you beyond your tow vehicle's capacit...
by tractorguy
Thu Oct 15, 2015 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Older Investors Seeking Guidance
Replies: 31
Views: 2787

Re: Older Investors Seeking Guidance

Maggie; Congratulations on finding this forum before getting tied into a variable annuity with Ameriprise. As a long time Vanguard investor who has also dealt with "financial advisors" let me warn you that Vanguard and Ameriprise have radically different approaches to their customers. If A...

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