Search found 786 matches

by dukeblue219
Mon Aug 10, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Looking for gas can that is easy fill / easy pour
Replies: 34
Views: 2014

Re: Looking for gas can that is easy fill / easy pour

I switched to electric last year anyway, but I never understood folks saying the new spouts spill more than you get in the hole. Maybe the first time you see one it’s different and confusing, but after that I can’t imagine how you’d end up spilling. The little mechanism should seat right onto the fi...
by dukeblue219
Mon Aug 10, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Small HSA Check - What to Do?
Replies: 14
Views: 850

Re: Small HSA Check - What to Do?

I say 40 cents rounds down to zero. No tax consequences regardless. Agreed. Alternatively, you could spend the $0.40 on a qualifying medical expense (good luck) and keep the receipt. Why the “good luck?” With an HSA you don’t have to spend from that account directly, and surely most of us have some...
by dukeblue219
Sat Aug 01, 2020 7:04 am
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 54
Views: 4486

Re: Cyclists...where are you getting your masks?

I have a hard enough time walking through the parking lot in 90-118 degrees with a mask. Couldn't imagine working out in a mask. My running has been mask-free so far. I hear ya, honestly the last few times I’ve been biking I’m seeing more and more bikers wearing them. I’m starting to feel self cons...
by dukeblue219
Fri Jul 31, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: Land in Dahlonega, Georgia
Replies: 29
Views: 2157

Re: Land in Dahlonega, Georgia

Honestly you're 34; buying land to maybe build a house when you're 74 is not worth it. If you'll enjoy the land now for recreation, great, but so much will change in your life in 40 years. I'm planning on retiring in 25 years at the latest. This land is near my hometown but 16 hours away driving fr...
by dukeblue219
Fri Jul 31, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Land in Dahlonega, Georgia
Replies: 29
Views: 2157

Re: Land in Dahlonega, Georgia

Honestly you're 34; buying land to maybe build a house when you're 74 is not worth it. If you'll enjoy the land now for recreation, great, but so much will change in your life in 40 years.
by dukeblue219
Fri Jul 31, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Rechargeable batteries AA AAA etc.
Replies: 36
Views: 1990

Re: Rechargeable batteries AA AAA etc.

ralph124cf wrote:
Fri Jul 31, 2020 5:55 pm
Everready Lithium rechargeable AAA from Amazon work great, last a long time.

Ralph
You sure about that? The only rechargeable Li-Ion AA I've seen are very expensive because they need integrated circuitry in the battery.
by dukeblue219
Fri Jul 31, 2020 5:16 am
Forum: Personal Consumer Issues
Topic: Better toddler sneakers than New Balance?
Replies: 19
Views: 1408

Re: Better toddler sneakers than New Balance?

Stride Rite fits our youngest's enormous feet the best, and seem to hold up well. NB have been noticeably tighter.

There's always people giving away toddler shoes and clothes on our neighborhood mailing list, and given the speed at which the kids grow, many times the shoes are in excellent shape.
by dukeblue219
Thu Jul 30, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Rechargeable batteries AA AAA etc.
Replies: 36
Views: 1990

Re: Rechargeable batteries AA AAA etc.

. And, they don't lose a charge slowly, they are at peak use then they're dead. Different than store bought non rechargeable that die slowly. Not sure why? Alkaline batteries and NIMH rechargeable have different chemistries. They behave very differently, and a NiMH is much more stable over its char...
by dukeblue219
Wed Jul 29, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5459

Re: Need to destroy old external Hard Drives

If you want to stop a determined attack against your data, that's one thing. If you looking to thwart a random identity thief just wipe it or smash the electronics with a hammer. Nobody is out there spending the man hours to extract data from destroyed HDDs without a damn good reason. There's much e...
by dukeblue219
Wed Jul 29, 2020 3:46 am
Forum: Personal Finance (Not Investing)
Topic: New $100 BoA Cash Rewards Card Benefit
Replies: 12
Views: 1168

Re: New $100 BoA Cash Rewards Card Benefit

To be clear, this is not a direct 100% match like the $50 grocery credit. It's just double cash back, right?
by dukeblue219
Tue Jul 28, 2020 1:41 pm
Forum: Personal Investments
Topic: Furloughed - Rollover 401K to IRA?
Replies: 21
Views: 1688

Re: Furloughed - Rollover 401K to IRA?

The rollover 401k - if allowed for furloughs - would probably need to go into a "Rollover IRA" which is a type of tIRA for 401k rollovers. That keeps the funds separate from other tIRA funds in case you ever want to roll the funds back into a 401k. Since traditional 401k's are pre-tax, they cannot ...
by dukeblue219
Tue Jul 28, 2020 5:22 am
Forum: Personal Finance (Not Investing)
Topic: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?
Replies: 26
Views: 2049

Re: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?

You've got TurboTax with 2019 all completed. Save a copy of the file, then tweak it to simulate an S-corp election for last year with whatever salary VS distribution you can justify.
by dukeblue219
Mon Jul 27, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Adding minor as an authorized credit card user
Replies: 31
Views: 1747

Re: Adding minor as an authorized credit card user

I would not add ANYONE as an authorized user without their consent. A 10-year-old is unable to give informed consent . How would YOU like it if someone added you as an authorized user to their credit card without your consent? Uh, you're their parent. You can make their choices for them. It's not l...
by dukeblue219
Mon Jul 27, 2020 6:53 am
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 370
Views: 25131

Re: Gold $1600 Oz - When?

I don't do a lot of trading in my taxable account, but when I do, it's usually a small gamble on some hunch for fun as much as anything. However, the couple hundred bucks worth of GLD JAN 2021 calls at $190 I bought back in May-ish are looking great so far.
by dukeblue219
Sun Jul 26, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Have 30-year mortgage rates fallen in last month? Advice for requesting re-lock
Replies: 33
Views: 2730

Re: Have 30-year mortgage rates fallen in last month? Advice for requesting re-lock

You're planning to close in 19 days and looking to move it up. I wouldn't mess around with the mortgage now personally. 2.875 is so insanely low that you're not going to have a ton of buyers remorse if today's rates might get you 2.625 or so. You could ask out of curiosity - "hey, I read rates are s...
by dukeblue219
Sun Jul 26, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: LLC (S-Corp) vs. Sole Prop and Tax Deductions
Replies: 11
Views: 642

Re: LLC (S-Corp) vs. Sole Prop and Tax Deductions

If someone earns income as a sole proprietor, I understand that they can deduct reasonable business expenses on their tax returns, but only if they itemize, meaning they can claim more than the standard deduction (which is $24k as married filing jointly). Not at all true. Business deductions go aga...
by dukeblue219
Sun Jul 26, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: LLC (S-Corp) vs. Sole Prop and Tax Deductions
Replies: 11
Views: 642

Re: LLC (S-Corp) vs. Sole Prop and Tax Deductions

If someone earns income as a sole proprietor, I understand that they can deduct reasonable business expenses on their tax returns, but only if they itemize, meaning they can claim more than the standard deduction (which is $24k as married filing jointly). Not at all true. Business deductions go aga...
by dukeblue219
Sat Jul 25, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Where did all the money go? Mint v YNAB etc
Replies: 11
Views: 1380

Re: Where did all the money go?

Right. My own experience with Quicken was very instructive. Just looking for a relatively easy data-driven way for him to pin down what his expenses have actually been. Anyone here have experience with YNAB or Mint or something else? Thanks There's plenty of YNAB users here, myself included, though...
by dukeblue219
Sat Jul 25, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 80
Views: 42428

Re: Will not using my dishwasher cause problems?

People really don't use dishwashers because they want to save money? The median income on here seems to be about a billion dollars a year and yet we're wasting time to save 6 cents of water. Water and electricity are really pretty cheap... Much cheaper than my time is worth to me. Family of four her...
by dukeblue219
Thu Jul 23, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6586

Re: How dead is dead? (USPS mail)

Our mail carrier filters most of the junk for previous owners. They're long out of the window for free forwarding, but most of the stuff I see on informed delivery with their names never shows up anymore. When he's on vacation we do get their stuff. I can imagine if he started to see a bunch of retu...
by dukeblue219
Thu Jul 23, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: new BoA Premium Card benefit
Replies: 66
Views: 7981

Re: new BoA Premium Card benefit

My $50 credit posted yesterday. Sweet.
by dukeblue219
Thu Jul 23, 2020 7:36 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 8619

Re: Mosquitos! Mosquitos! Mosquitos!

I ordered a (Mosquito Magnet) off of Amazon works wonders, dropped mosquitos by about 90% in my yard within 2 weeks Or your yard and environs dried up in that two weeks and that was the end of the mosquitos. Isn't it rather interesting that this summer there has been no outcry about the Zika virus?...
by dukeblue219
Thu Jul 23, 2020 4:53 am
Forum: Personal Investments
Topic: Tax implications of leaving assets in a 529 until death
Replies: 44
Views: 2471

Re: Tax implications of leaving assets in a 529 until death

That is, the owner (or successor owner) can change the beneficiary to a "family member" of the beneficiary. A "family member" can be a parent, ancestor, or descendant of the beneficiary, stepfather, stepmother, stepson, stepdaughter, sibling, step-sibling, half-sibling, uncle, aunt, niece, nephew, ...
by dukeblue219
Wed Jul 22, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Smartphone security
Replies: 14
Views: 965

Re: Smartphone security

IMO, 2 vulnerabilities with smartphones: 1. Hacker gains direct access to your smartphone. If your phone has mobile banking app, the hacker can drain your funds in minutes. Or, he can use your email to reset passwords within 10 minutes. How does the hacker get into your account? He needs to guess y...
by dukeblue219
Wed Jul 22, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: new BoA Premium Card benefit
Replies: 66
Views: 7981

Re: new BoA Premium Card benefit

I got this pop-up again when I logged into my bank account this morning. I never received the credit from the first round of $50. Are they doing it again or is this just a mistake? I'm sure it's just an on-going thing that they're advertising. I don't think anyone has received the credit since they...
by dukeblue219
Tue Jul 21, 2020 2:30 pm
Forum: Personal Investments
Topic: Wait what did reinvesting dividends really increase my wealth?
Replies: 16
Views: 2794

Re: Wait what did reinvesting dividends really increase my wealth?

I would disagree that this is a "severely down market" at this stage. Also be aware that while dividends aren't a free lunch, the S&P and Dow indices do not include dividends. So in theory your S&P 500 fund should beat the S&P 500 number you see on the news, but of course any analysis of S&P 500 ret...
by dukeblue219
Tue Jul 21, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade?
Replies: 37
Views: 2847

Re: iPhone upgrade?

The SE is visually identical to a 7, available new for $399, and vastly superior in hardware. Don't know what Verizon has today, but most of the big carriers had deals a month or two ago. Yeah, you tie yourself to the carrier for two years, but in our case the SE was free from T-mobile after bill cr...
by dukeblue219
Mon Jul 20, 2020 6:46 pm
Forum: Personal Investments
Topic: Vanguard Utilities Index: Too Risky?
Replies: 17
Views: 1457

Re: Vanguard Utilities Index: Too Risky?

Are you looking for yield or return? I own a little XLU (utilities ETF) but honestly, it's pretty volatile. Just look at the charts from March. Its not like utilities stayed flat and paid their dividend while the S&P tanked, unfortunately.
by dukeblue219
Mon Jul 20, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: New Tulip Mania?
Replies: 48
Views: 8115

Re: New Tulip Mania?

Nikola is down 58% from its peak in June when this thread was posted. Down 20% today alone. Yikes.
by dukeblue219
Mon Jul 20, 2020 9:29 am
Forum: Personal Investments
Topic: AZN(AstraZeneca plc) Stock, asking for a friend
Replies: 20
Views: 1364

Re: AZN(AstraZeneca plc) Stock, asking for a friend

This is a classic example of why you can't chase the news. The results of the AZN vaccine trial were positive but the stock is down 2% today. Very positive news was already priced in over the last few days.
by dukeblue219
Mon Jul 20, 2020 7:57 am
Forum: Personal Investments
Topic: Total Newb-need advice on my Ameriprise conundrum
Replies: 32
Views: 1649

Re: Total Newb-need advice on my Ameriprise conundrum

Refinance that mortgage no matter what else you do. Keep it 30 years if you want, but you can take that 4.15% down at least 1 full percentage point without paying anything. That'll save you maybe $300 a month in interest alone. Or go get a 15 year at 2.5% or less. One of those car loans can probably...
by dukeblue219
Sun Jul 19, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Received wrong chair from Herman Miller
Replies: 30
Views: 3173

Re: Received wrong chair from Herman Miller

I ordered a setu chair from Herman Miller 2 months ago. Finally received it this past week. But the color of the base is wrong. I decided not to take it out of the box because it would be hard to repack it for return. 1. What's the easiest way to reach their customer service? I called several times...
by dukeblue219
Sun Jul 19, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Beam Bank - 4% return
Replies: 3
Views: 621

Re: Beam Bank - 4% return

From their website, emphasis mine: "With cash deposited into Beam, you begin earning a guaranteed 0.04% Base Rate APY and can boost the APY to as high as 7% each day by collecting and using interest boosts (called a “Billie”). You can effortlessly collect a free Billie each day, and if you invite a ...
by dukeblue219
Sun Jul 19, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Best fire alarm for young children
Replies: 17
Views: 632

Re: Best fire alarm for young children

This is not uncommon, btw. We've had a few false alarms from smoke detectors in the middle of the night, sometimes right outside the kids' rooms. Hasn't stirred them. Scares the hell out of US, though!
by dukeblue219
Sat Jul 18, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12073

Re: Advice on a more livable place

There's some weird hate on the DC area in this thread. No life? There's TONS of stuff to do in DC. Too expensive? There's plenty of good houses in good parts of Montgomery County in the $500-$750k range. No, not Chevy Chase, but you can absolutely live here in a $600k house. Go up county or over to...
by dukeblue219
Sat Jul 18, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12073

Re: Advice on a more livable place

There's some weird hate on the DC area in this thread. No life? There's TONS of stuff to do in DC. Too expensive? There's plenty of good houses in good parts of Montgomery County in the $500-$750k range. No, not Chevy Chase, but you can absolutely live here in a $600k house. Go up county or over to ...
by dukeblue219
Fri Jul 17, 2020 5:34 pm
Forum: Personal Investments
Topic: AZN(AstraZeneca plc) Stock, asking for a friend
Replies: 20
Views: 1364

Re: AZN(AstraZeneca plc) Stock, asking for a friend

You can try this up to 8PM EDT, but after hours trading, especially late on a Friday, can leave you with a bad price since volume is low. Probably OK with that stock though.

(ah, not with Vanguard. Most brokerages do this, however)
by dukeblue219
Fri Jul 17, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 67
Views: 8159

Re: Cell Phone Plan/Carrier Recommendation?

Allegedly T-mobile will be doing their friends and family deal again on August 2. You need to get a code from an employee (on Twitter, Reddit, etc) but then it's 20% off forever. I know the dirt cheap MNVOs are popular around here, but if a mainstream totally unlimited plan is what you want it's a g...
by dukeblue219
Thu Jul 16, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Q: lost nonrefundable tuition deposit for K-12 private school
Replies: 8
Views: 598

Re: 529 Q: lost nonrefundable tuition deposit for K-12 private school

Great question. I have no idea but my experience with our 529 program is that they don't track it. I recently started using 529 for private k-12 expenses and was shocked to discover that there are zero requirements to document that the expenses were actually used for the school. We just send you th...
by dukeblue219
Thu Jul 16, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 232
Views: 16487

Re: Oddly Difficult to Find Items During the Pandemic

baking supplies (ie. yeast). did everyone start baking geez? We are going to have a lot of bigger folks when no one can buy exercise equipment and everyone is baking like crazy. That's the pessimistic take! Look at it this way - There's no exercise equipment precisely because everyone is starting a...
by dukeblue219
Thu Jul 16, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 232
Views: 16487

Re: Oddly Difficult to Find Items During the Pandemic

Apparently there's a global carbon dioxide shortage, believe it or not. Plenty in the air, but beverage makers of all types are having trouble getting their tanks of liquid CO2 filled.
by dukeblue219
Thu Jul 16, 2020 6:30 am
Forum: Personal Consumer Issues
Topic: Ancient/slow ipad 2
Replies: 22
Views: 1194

Re: Ancient/slow ipad 2

Quite a bit of naysayers here. Wonder if they actual own an iPad 2 or mini? I don't think I need to. We've all had the same experience at one point. My Mini 2 (several generations newer hardware than the original Mini) was nearly unusable by the time I upgraded to a Mini 5 last year. My wife's iPad...
by dukeblue219
Wed Jul 15, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Personal Shopping Service with out of state delivery?
Replies: 12
Views: 643

Re: Personal Shopping Service with out of state delivery?

PoppyA wrote:
Wed Jul 15, 2020 11:35 am
Perhaps contact a school in the area and see if there are kids looking for a “job”.
Really? No school is going to listen to an individual who calls up asking to be connected to a student looking to earn some extra cash by performing personal errands.

Try TaskRabbit or even Craigslist.
by dukeblue219
Wed Jul 15, 2020 11:33 am
Forum: Personal Investments
Topic: How do I "short" banks/mortgages?
Replies: 16
Views: 859

Re: How do I "short" banks/mortgages?

inverter wrote:
Wed Jul 15, 2020 11:28 am
Don’t underestimate the market’s ability to outlast you.
And, in this segment especially, the Fed's power to completely change the game.
by dukeblue219
Tue Jul 14, 2020 7:16 pm
Forum: Personal Investments
Topic: TSP transfer to Vanguard
Replies: 10
Views: 701

Re: TSP transfer to Vanguard

What's driving you to move the funds out of TSP?
by dukeblue219
Tue Jul 14, 2020 7:13 pm
Forum: Personal Investments
Topic: Pull out of 401K?
Replies: 34
Views: 3430

Re: Pull out of 401K?

Warren Buffett is not really the type to advocate this type of move to cash, so I wouldn't do it on his behalf. Motley Fool at this point is just a complete pile of garbage pushing their paid products with click bait, so I wouldn't take their word on anything. That said, if you DO expect to need thi...
by dukeblue219
Tue Jul 14, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: Transfer HSA to Fidelity ?
Replies: 9
Views: 626

Re: Transfer HSA to Fidelity ?

The Fidelity equivalents of the Vanguard index funds are pretty much identical. FBALX isn't the worst fund and I used to own it, but 0.53% is a pretty hefty (though not outright awful) expense ratio. Edit - you sure you can't bring the New Horizons with you? It has no transaction fee at Fidelity as ...
by dukeblue219
Tue Jul 14, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff amount in the closing disclosure for refinance
Replies: 14
Views: 692

Re: Payoff amount in the closing disclosure for refinance

what happens to the interest paid to the old lender for the rest of month after closing? Remember that your mortgage payment is last month's interest, not the coming month's. The gap seems excessive and worth investigating, but I got the impression you were confused about what the interest in your ...
by dukeblue219
Tue Jul 14, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Solar with battery/tesla wall
Replies: 114
Views: 7867

Re: Solar with battery/tesla wall

No that's fair. I didn't pull state by state numbers.
by dukeblue219
Mon Jul 13, 2020 6:28 pm
Forum: Personal Investments
Topic: All in with Wellesley
Replies: 57
Views: 5009

Re: All in with Wellesley

You could do a lot worse. If you can sleep comfortably at night, go for it.

Is it optimal? Not necessarily. But you're not going to end up on the streets like someone who bet their retirement on XYZ single stock.