Search found 894 matches

by smackboy1
Fri Sep 15, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1616

Re: Audio books

I get all my audio books from my local library. Either CDs or electronic media. Audio books can also be borrowed via inter library loan. iTunes can be used to convert CD media to audio files for listening on devices. I use Chapter and Verse to chapterize all the files for easy organization and liste...
by smackboy1
Mon Sep 11, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 2616

Re: "Luxury" Vinyl vs Laminate flooring?

We remodeled our house a year ago. We used Shaw Floorte top of the line vinyl throughout. https://shawfloors.com/inspiration/special-collections/resilient-vinyl-design/floorte-pro We did not use laminate at all because unlike vinyl it is susceptible to water damage. We replaced the oak floor in the ...
by smackboy1
Mon Sep 11, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: UPS plug problem
Replies: 8
Views: 773

Re: UPS plug problem

Most UPS do not have enough outlets. Get splitter extensions so you can plug in more devices.

https://www.amazon.com/C2G-Cables-29803 ... %2Bac&th=1
by smackboy1
Mon Sep 11, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3829

Re: Electric car in evacuation situation

EV w/ optional ICE range extender e.g. BMW i3 REx. Plug in to recharge and carry 10 gallons of spare gas.
by smackboy1
Wed Aug 30, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 1749

Re: Bond substitutes ?

What about peer to peer lending through a fund?

Discussed here quite a bit:

viewtopic.php?t=204480
by smackboy1
Wed Aug 30, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Legal Documents Required
Replies: 3
Views: 511

Re: Legal Documents Required

We recently bought a house - We have a little one 4.7 years old. What documents should we have to cover for the scenarios in case one of us passes away or should something happen to both of us to ensure all accounts are settled and good financial future is ensured for her. . . Personally the worryi...
by smackboy1
Tue Aug 29, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1806

Re: ICE, hybrid, Phev, electric for short trips

I am trying to find some resources on which car gets better mileage under very short driving circumstances. One of our car sees only 3-5 miles trips at a time. Call it grocery store, take out, nearby mall, even work sometimes. I was never able to get the lower end of the city mileage due to this. I...
by smackboy1
Tue Aug 01, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4398

Re: Wooden flooring in kitchen

I'm remodeling a house, and wife wants an open floor plan. So we will have a very large living room and kitchen and she wants wood flooring throughout. As impractical as this is, this seems to be the latest trend in high end homes in SoCal. For those of you that went this route, how would you rate ...
by smackboy1
Thu Jul 27, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance as a tax diversification strategy
Replies: 39
Views: 2384

Re: Life insurance as a tax diversification strategy

A friend recently meet with a Thrivent representative and was presented with an idea using life insurance as a tax diversification strategy: “A cash-value life insurance policy can potentially offer investment growth, a tax-free source of income in retirement and tax benefits while you save. With a...
by smackboy1
Tue Jul 18, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1456

Re: Car braking on downward slopes

What is the definition of riding the brakes? I thought it would be when you are on a road with a lot of curves (such as SF's Lombard Street) and you keep hitting the brakes often is what it means; however, if I am going down one long incline and I brake once and keep the brake pressed to stop the c...
by smackboy1
Tue Jul 18, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1456

Re: Car braking on downward slopes

But I am really curious - is it really good for the car? Or should I have manually put the car on a lower gear? This is so counter-intuitive, as I have never had to do something like this previously. General rule: brake pads are cheap to replace. Rebuilding an engine is not. In normal driving use t...
by smackboy1
Fri Jun 30, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3079

Re: Amazon Echo vs. Google Home: which to get?

We have both an Amazon Echo and a Google Home. We do not have any other connected switches or devices. Here are what we've noticed after a few months with both: - Both are similar speaking and listening devices. The novelty of hearing the time, weather and your daily calendar wears off after a while...
by smackboy1
Thu Jun 22, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 19325

Re: Siblings in disagreement over mom's house.

Update: . . . 3. I spoke to a mediator for close to an hour and the key to all this is getting all 5 of us in the same room to talk. This is going to be really tough. To answer some questions: 1. If there was harmony amongst us there would be no issue with the house. 2. Yes, agree there is always 2...
by smackboy1
Thu Jun 22, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Replacing bonds with actively managed real estate
Replies: 19
Views: 1609

Re: Replacing bonds with actively managed real estate

I have an 80/20 allocation, with the bond portion split between FLBAX (long-term) and FSITX (broad quality bond index). I'm considering replacing it with real estate, for the following reasons: - Return on bonds seems dismal. Confirmed opinion from other bogleheads I've read here, and famously Buff...
by smackboy1
Tue Jun 20, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 19325

Re: Siblings in disagreement over mom's house.

+1 on entering mediation with a mediator with legal expertise in real estate partition situations. A good mediator will be a little bit of: judge, lawyer, therapist, game theorist. If OP's family wants to have the best chance of maintaining any kind of future family harmony, then all parties have to...
by smackboy1
Sun Jun 18, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3558

Re: BMW X5 2017 - Seeking advice

Just bought a 2017 X5 xDrive 40e. It is 8 months 14,000 miles old. I detailed my negotiation and purchase experiences on this board: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=199965&p=3074340#p3074340 The internal factory code for the current X5 is F15, of which 2014 was the firs...
by smackboy1
Thu Jun 15, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Just married - start a joint taxable account?
Replies: 18
Views: 1380

Re: Just married - start a joint taxable account?

Wondering if we should start a joint brokerage account, maybe adding $1k/month each into it? Or if I should just set one up in her name to start accumulating for future. Congratulations! Marriage brings lots of changes and stressors. Finances are a huge stressor, so don't make it more difficult tha...
by smackboy1
Thu Jun 15, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 5870

Re: Curious to odd estate question

In simplistic terms you simply want to burn the pile of assets that represents your estate so no one benefits from the value of your estate. You do not want to give it charity, the Government or anyone, you want your wealth irradiated. Is there a legal mechanism to do so? Seriously, in order to des...
by smackboy1
Thu Jun 15, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 5870

Re: Curious to odd estate question

chinto wrote:Scenario, you want any assets that remain after you die to essentially vaporize so no one (person, institution, Government, Church, Charity) can benefit from them.


Paging Bernie Madoff, would Bernie Madoff please pick up the white courtesy phone. . .
by smackboy1
Wed Jun 14, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Please throw darts at my estate plan (probate avoidance)
Replies: 11
Views: 1343

Re: Please throw darts at my estate plan (probate avoidance)

After reading Nolo’s Plan Your Estate book, I’ve decided to rely on a will and payable or transfer on death tools. The book advised avoiding probate as much as possible. This is what I plan to do for us. The intent is he gets all my assets and I get all his assets (we are childless). I would apprec...
by smackboy1
Tue Jun 13, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Variable Life Insurance as an Investment Vehicle
Replies: 39
Views: 2745

Re: Variable Life Insurance as an Investment Vehicle

I am kind of curious if the product is useful for anyone (other than the salesman)? Is there any situation in which its worthwhile. It is possible, but in order to figure it out you would have to deconstruct the product and run the numbers yourself. The product is in essence 2 parts: life insurance...
by smackboy1
Mon Jun 12, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Flexibility in trust distributions
Replies: 9
Views: 839

Re: Flexibility in trust distributions

My father-in-law Bob has a boilerplate revocable living trust that says his assets are to be distributed "per stripes". One of Bob's children, Alice, recently died; she has two disabled children receiving SS benefits that they may lose if their assets are too high. (I am not sure of this....
by smackboy1
Fri Jun 09, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Allen Roth article on how to get 5% income
Replies: 16
Views: 2931

Re: Allen Roth article on how to get 5% income

The Wizard wrote:Sadly, that article is blocked...
:(


WSJ still grants free access through Facebook https://m.facebook.com/l.php?u=[TYPE IN WSJ URL HERE]

https://m.facebook.com/l.php?u=https:// ... 1492787140
by smackboy1
Tue May 30, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: biz renter skipped out - what are options
Replies: 10
Views: 2210

Re: biz renter skipped out - what are options

So - what exactly can be done at this point against this ex-renter.... who happens to still be in the area, at another building ? - we have issued some kind of letter and summons... not sure, again - info not shared - BUT - is there anything that can be done to warn other "searchers" abou...
by smackboy1
Fri May 26, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3131

Re: New car doc fees

The model I was looking at had incentives, 4000 for cash, 6000 if financed. I could finance as little as 6000 and still be eligible for the 6000. The rate was 4.9% and I was told after 90 days I could pay off the loan with no prepayment penalties. Seems worth it but I have salesman trust issues. If...
by smackboy1
Fri May 26, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: advice on hvac replacement decision
Replies: 21
Views: 2524

Re: advice on hvac replacement decision

The HVAC contractor proposals should been assembled using a manual J heat load calculation. That will give you the energy needed to heat and cool your house. Take the HVAC proposals and plug them into this calculator along with the manual J data and your utility costs. It will give you an idea of th...
by smackboy1
Fri May 26, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3131

Re: New car doc fees

Price is cut and dry with an employee discount through son. Dealership sales person said the doc fee was $210 in MI. He said it is mandated by the state and non negotiable because it goes to the state much like sales tax. I googled this and it says the MAXIMUM doc fee allowed in MI for doc fee is $...
by smackboy1
Fri May 26, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 5694

Re: best way to buy tires

2. Right now, the process i use is basically shop around what i need to the local tire centers (i've been using hankooks but not sure if that's the best brand to use)... sometimes that works (a little), most times not ... it's time consuming and ineffective ... there's got to be a better way 3. Ide...
by smackboy1
Mon May 22, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2489

Re: Luxury Vinyl: Educate Me

We used LV tile and plank in our kitchen and bathrooms for our recent renovation. We decided against laminate early on because all our locations were wet. LV and laminate are pretty much identical in function with the exception that LV is pretty much impervious to water damage and laminate is not. I...
by smackboy1
Mon May 22, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 2210

Re: Tire Puncture - plug from outside or patch and plug from inside

My automobile tire has a puncture between the tread probably 1/4" or less (screw). My research tells me that it is better to patch and plug from the inside of the tire and that if done this way - the tire should live out its lifespan. No need for new tires. Take it to a reputable tire shop for...
by smackboy1
Mon May 15, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: mirror or clone my windows 10 HD?
Replies: 10
Views: 1011

Re: mirror or clone my windows 10 HD?

I've spent over an hour so far googling on the internet and within the BH site to get some advice on which I want to do. I'm looking for a simple "mirror" or "clone" answer. All the answers seem too detailed for me. I need a KISS answer. I've been postponing installing the W10 C...
by smackboy1
Thu May 04, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: do we have too much disability insurance?
Replies: 11
Views: 1106

Re: do we have too much disability insurance?

Me 34 DW 32 Both physicians. No children. Current income $490k, will be $660k in 2018. Ultimately, it's a personal decision. It might be useful to play out some hypothetical scenarios together - especially the unlikely ones that carry catastrophic consequences. How vulnerable are each of your speci...
by smackboy1
Wed May 03, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Dual-fuel and multi-zone HVAC?
Replies: 6
Views: 815

Re: Dual-fuel and multi-zone HVAC?

The forum you want to visit is here m We had a Carrier dual fuel Infinity Hybrid Heat 8 zone system installed 6 years ago. We're very happy with the comfort of the system and had no major problems. All the electric dampers are still functioning with no issues. It wasn't cheap: $10K for the HVAC + $1...
by smackboy1
Wed May 03, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: using smartphone overseas travel
Replies: 10
Views: 1084

Re: using smartphone overseas travel

My wife and I are heading to Europe for 2 weeks, and I need some advice about whether or not to use our cell phones. We use Sprint and both have the iphone5 model. I think the overseas plans seem to be complicated and I'm trying to avoid using them. It's not that complicated but you have to do some...
by smackboy1
Fri Apr 28, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating commercial lease- advice
Replies: 12
Views: 1105

Re: Negotiating commercial lease- advice

I do have an agent. He was very well recommended. He was running into issues finding a landlord that would allow my type of business (veterinary). In fact this is only the second space I've actually looked at as my options appear to be fairly limited. The build out cost was an estimate from a contr...
by smackboy1
Thu Apr 27, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Co-trustee B trust rights to asset documentation?
Replies: 6
Views: 523

Re: Co-trustee B trust rights to asset documentation?

If I go the attorney route, it will be the equivalent of nuclear war. I am okay with breaking the family up, but I don't want the lawyers to drag it on and charge fees. Even without knowing all the details and facts, I believe the nuclear war has already begun. Unfortunately, the way the trusts wer...
by smackboy1
Thu Apr 27, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating commercial lease- advice
Replies: 12
Views: 1105

Re: Negotiating commercial lease- advice

Does anyone have experience with commercial lease negotiation? Is it like negotiating when buying a house ? I'm looking to get a break on the price per square foot and a heathy build out allowance. Commercial is nothing like residential. First, you should have an agent representing you. It sounds l...
by smackboy1
Fri Apr 21, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 62
Views: 5568

Re: Trust Services

We see this time and time again on BH. I think part of it is that, up till very recently, the BH philosophy has been counter to the mainstream so many on the board have adopted an "BH vs. the world" mentality to the point that they attempt to reach out from beyond the grave. There's often ...
by smackboy1
Mon Apr 03, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Law school-most cost efficient, yet quality, way to get Real Estate law degree?
Replies: 37
Views: 3007

Re: Law school-most cost efficient, yet quality, way to get Real Estate law degree?

I had a rental property and really enjoyed going over the contracts involved. Sales contracts, rental contracts, etc. I love rules and laws. The order of them makes chaos into manageable bits. I would like to help people with contracts and with real estate transactions. Your town is full of lawyers...
by smackboy1
Mon Apr 03, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2547

Re: Google Voice as secondary number: pros & cons

However they want to change the setup - To save the $10-$12/month the phone company charges for ringmaster - To stop the ringing from the robo survey/political calls. When I turned the ringer off, their main home phone also stops ringing, so that won't work I've researched Google Voice and think it...
by smackboy1
Sun Apr 02, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 1935

Re: Second car for larger family - ideas/suggestions?

Toyota Highlander w/ 3rd row seats. Available as hybrid too.
by smackboy1
Sun Apr 02, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 15
Views: 2343

Re: Some 'hints' about brokered CDs

I invest in brokered CDs because at current rates they typically yield more than the equivalent US treasury debt. The risk is the same as US treasury debt because of FDIC insurance up to $250,000.00 per depositor per bank. Sometimes it is not 100% obvious which issuers are considered the same bank f...
by smackboy1
Fri Mar 31, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 13
Views: 1885

Re: Sleep Number Bed

Jimmy67 wrote:What percent discount did Sleep Number offer for buying a floor model?


I can't remember, but it wasn't anything huge like a 50% discount or anything close to that. Just haggle as best you can.
by smackboy1
Fri Mar 31, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Advisor fee
Replies: 15
Views: 2074

Re: Advisor fee

I am looking for a financial advisor who basically uses a diversified index approach. . . What is a reasonable fee for a manager to charge for a portfolio of say 1 or 5 or $10,000,000. I would assume a sliding scale of some sort. I would like to know what is reasonable before pursuing this further....
by smackboy1
Thu Mar 23, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2782

Re: Kitchen island

Is that enough space for walkway? In this case, what would you recommend the width/depth of island counter top? If you have a similar kitchen size with island, how wide is your walkway? In our kitchen the narrowest point around the island is 36" and the widest 45". Everybody is different ...
by smackboy1
Mon Mar 20, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1425

Re: Malpractice Asset Protection

Relatively new attending physician here. What do you guys all be for asset protection from malpractice suits? Should all my assets be in a trust? I am a hospital employee and our hospital self-insurers. I have purchased an umbrella policy for other protection but I'm not sure if that will be applic...
by smackboy1
Mon Mar 13, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps?
Replies: 37
Views: 3667

Re: Do I need small caps?

Both accounts are split equally in dollar amounts and invested in the same funds in the same allocations. AA is 60:40 equities to bonds. VTI 45% (Vanguard index funds, US) VXUS 15% (Vanguard total Intl stock) AGG 40% (Ishares Core US aggregate bond) My financial planner said, amongst other things, ...
by smackboy1
Thu Mar 09, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 3319

Re: Safest way to encrypt pdf tax documents to send via email?

Working with a new accountant, who is requesting I send my tax documents via email. I can scan and make pdf and then send. Thoughts on how best to secure this transaction? Accountant does not have an upload portal, etc etc. Email seems to be it. Ideas? In my mind any professional in this post Snowd...
by smackboy1
Wed Mar 08, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 2107

Re: Any Car experts - Honda Odyssey question

I bought a new Honda Odyssey a year back and I have kind of driven 4000 miles. The oil change indicator says 50% to go. What an car expert recommends? Should I go ahead and change the oil or go for yearly service even though it is not 5K miles? What does the factory maintenance schedule say? What t...
by smackboy1
Tue Mar 07, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 10051

Re: What Car Should I Buy My Daughter as a Graduation Present

My daughter is graduating from college in May. . . It will be a used car. . . So, I have no idea what model/year cars to consider for my daughter. I'm totally out of touch with car-buying web sites, services, inspection companies, and so on. Safety is a factor. Her age puts her in a higher demograp...