Search found 1024 matches

by smackboy1
Tue Nov 20, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1529

Re: Recommendations for Home Printer

Our needs are: 1. Light printing (10-15 pages a week) 2. Wi-fi enabled 3. Scanner for documents I've owned several different multi-function printers over the years. All consumer machines will eventually break and designed to be disposable i.e. not worth repairing - this is especially true of cheap ...
by smackboy1
Wed Nov 14, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6624

Re: Wait, do I need a prenup?

icedtea wrote:
Tue Nov 13, 2018 2:30 pm
- She is likely to inherit a sizeable amount from her parents, and I am not
Prenup or not, her parents should arrange for the inheritance to be held in trust for her benefit. That would protect the inheritance against multiple financial threats in addition to divorces.
by smackboy1
Tue Nov 06, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10556

Re: This man can predict when bubbles burst: time to time the market?

So why not time the market based on his predictions? Hypothetically let's say there are 100 people participating in a coin flip prediction elimination tournament. After 6 rounds of competition there is 1 lone winner who has correctly predicted the coin flip 6 times in a row. It turns out he has a P...
by smackboy1
Mon Nov 05, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: One Trust or Two Trusts?
Replies: 3
Views: 408

Re: One Trust or Two Trusts?

When creating an estate plan is it preferred to have one revocable living trust for both spouses or separate trusts? If there is one trust then wouldn't 1/2 of the trust become irrevocable at the death of the first spouse? I don't anticipate the estate being taxable in the future since present valu...
by smackboy1
Mon Nov 05, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4113

Re: Mice [updated- not a mouse]

So now the question is: how did a squirrel get into the house . . . catching the squirrel, difficult. We got lucky that it went into a room we could trap it in by closing the door, and let it outside through an exterior door. Likely via openings around the roof around the corners, vents, soffits et...
by smackboy1
Sun Nov 04, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5983

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Your take on 2019 MB E Class or BMW Series 5 or Audi 6? I've owned all three of those European marques and a few more. They all make great cars - but personally I would never want to buy one in it's first year of production - too much risk of bugs that need working out. The Audi A6 is going to be a...
by smackboy1
Sun Nov 04, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5900

Re: Deal fell through and didn't get escrow money.....

Depending on the state laws that might be a real mess since it might require a lawsuit to free up the money and it might be difficult to sell the house while there is an ongoing lawsuit involving the property. Even if there is not a real legal problem few buyers or title insurance companies would w...
by smackboy1
Thu Nov 01, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3076

Re: Vanguard as a trustee

VTS is PA trustee established to support the main mutual fund/brokerage business. Vanguard National Trust Company is not a Pennsylvania chartered trust company but has a national charter granted by the Conptroller of the Currency. Gill My mistake :oops: At one time they were a PA charted trust comp...
by smackboy1
Thu Nov 01, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4667

Re: Am I Risking My Life to Sell My Car?

Reading some articles online, many people say that a tire bubble is an emergency because it means the tire could blow at any moment, which could result in tragic consequences. Of course, others say they have driven on tires with bubbles for hundreds of miles. As I see it I have two options: (1) Dri...
by smackboy1
Tue Oct 30, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2258

Re: Speeding ticket and insurance

NJ has some of the highest auto insurance rates in the country. 12 points and your license is suspended. Generally it's best to get rid of as many points and moving violations as possible and not wait until you're close to suspension or your insurance rates increase. The way it works in most jurisdi...
by smackboy1
Tue Oct 30, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3076

Re: Vanguard as a trustee

Thanks for posting this question because I am also seriously considering Vanguard as the trustee for our financial brokerage assets in an irrevocable trust. I understand our real estate assets will have to be handled by a different entity-a paid fiduciary. The goal is to set up an irrevocable trust...
by smackboy1
Tue Oct 30, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3613

Re: How much does a car need to be driven?

I don't know that 15 mins driving every month is enough to burn off moisture in the oil. It's definitely not enough to keep the battery charge maintained. All modern cars have parasitic battery drain even when parked. I have a 2003 Porsche that I occasionally drive maybe 1,000 miles/year. It starts...
by smackboy1
Tue Oct 30, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3076

Re: Vanguard as a trustee

I have never used Vanguard Trust Services but I've spoken to them as well as other commercial trustees. In my opinion Vanguard is great company, but with a narrow focus. VTS is PA trustee established to support the main mutual fund/brokerage business. As such it has a narrowly focused set of service...
by smackboy1
Tue Oct 30, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3613

Re: How much does a car need to be driven?

I don't know that 15 mins driving every month is enough to burn off moisture in the oil. It's definitely not enough to keep the battery charge maintained. All modern cars have parasitic battery drain even when parked. I have a 2003 Porsche that I occasionally drive maybe 1,000 miles/year. It starts ...
by smackboy1
Mon Oct 29, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4931

Re: Should I co-sign for relative?

A close relative of mine has asked me to co-sign for them, lets assume defaulting was not a big risk but the necessity for a co-signer is due to unestablished credit. Would you co-sign this? The co-sign is for a vehicle lease of about $900/month By co-signing you are guaranteeing the contract. If i...
by smackboy1
Mon Oct 29, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 1919

Re: Tire rotation - low mileage car

How important is regular tire rotation? If you have to pay for the rotation - how much is rotating "worth"? Car is driven only about 5,000 - 6,000 miles per year. I have rotated tires on some of my cars, but some of my cars have staggered tires which means they cannot be rotated. All tire rotation ...
by smackboy1
Fri Oct 26, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an international wash sale?
Replies: 11
Views: 714

Re: Is this an international wash sale?

Do you think selling shares of: T ROWE PRICE INTERNATIONAL STOCK (PRITX) .82 T ROWE PRICE EUROPEAN STOCK (PRESX) .96 and immediately buying Fidelity ZERO International Index Fund (FZILX) would be a wash sale? This is in my taxable account. Not a wash sale. The test is "substantially identical". IRS...
by smackboy1
Fri Oct 26, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

Thanks. So what do pull it out the night before? Not sure wife will let me have another appliance on the kitchen counter. Leaning toward manual grinder. Not to discount others, but since you seem to be a guru in this area, thoughts on manual? LOL, I'm not a guru, I just like coffee and experimentat...
by smackboy1
Fri Oct 26, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Making a substantial gift to a college
Replies: 27
Views: 2080

Re: Making a substantial gift to a college

However... I am thinking even longer term, potentially giving our kids (when they are born!) a leg up 20+ years down the road in the admissions race, e.g. "you have a classroom named after my dad". Said alma mater is quite selective. The philanthropic question is personal so I have no opinions on t...
by smackboy1
Thu Oct 25, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

I have this https://www.amazon.com/Coffee-Gator-Stainless-Steel-Container/dp/B01E1KFGZS/ref=sr_1_5?s=kitchen&ie=UTF8&qid=1540467974&sr=1-5&keywords=coffee+canister Would you just dump your bag that you are on into this and shove in the freezer and just scoop what you need every morning and just fre...
by smackboy1
Wed Oct 24, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

How do you make sure its airtight? Do you use a vacuum seal machine or just put it in bags and push all the air out? I dont have a food saver now, but have been contemplating for other foods. Keep the coffee in the bag it came in and stick the whole thing in a Ziplock freezer bag is OK. Does not ha...
by smackboy1
Wed Oct 24, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

So here is the deal. I don't want to become a full on coffee snob, but starting to tell the real difference between good and bad coffee and want to up my game, with minimal effort (I am never going to be the kind of person that drives to a local roaster once a week to procure freshly roasted beans)...
by smackboy1
Tue Oct 23, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1672

Re: Making loose leaf tea

How do you make loose leaf tea? I'm thinking about getting a french press but wondering what others prefer. Edit for more info: Ideally I'd like something that makes ~3 cups and I'd prefer to let it steep overnight so I can just heat it up in the morning to have first thing I've used a French press...
by smackboy1
Tue Oct 23, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4015

Re: Coffee grinder

Dear Coffee snobs - what do you think is the best coffee grinder on the market? If its something absurdly expensive what is another decently priced workhorse? The best for you depends on many things: - brew method(s) - capacity/speed - durability/reliability - personal taste - budget You could spen...
by smackboy1
Fri Oct 19, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8542

Re: When to change tires; and what brand

For whatever reason I have 28 pounds on all four tires but in rechecking them about 3 weeks later they all gap to 37,33,33,and 31. Why and what can I do to keep them from going up. I could understand losing tire pressure but going up has got me confused. A general rule of thumb estimate is that for...
by smackboy1
Thu Oct 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8542

Re: When to change tires; and what brand

You can tell when to replace your tires by using a penny as a tire tread depth gage: https://3.bp.blogspot.com/-a8kbk2i0D2s/WUk7bOqeUEI/AAAAAAAAARE/VJlYMBiWA9sECa2dNBGMyWETFBlZQlS7QCLcBGAs/s400/penny-test_usd_gradient.jpg The penny test has been superseded by the quarter test. Tires should be chang...
by smackboy1
Mon Oct 15, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3688

Re: Not convinced with insurance

One more thing: consider non-owner uninsured/under insured motorist insurance. You might be able to never drive a car, but when bicycling you can't control if the driver that hits you has adequate insurance.
by smackboy1
Sun Oct 14, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3688

Re: Not convinced with insurance

For most people the primary purpose of insurance is to shift the risk of loss. It's especially useful if the risks covered are broad and the loss would be financially devastating. Insurance is like a safety net so don't confuse the unlikely with the impossible. How much general liability coverage? A...
by smackboy1
Wed Oct 10, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 598

Re: Uninsured/underinsured insurance?

UM/UIM insurance may also protect you even if you are not in your car i.e. if you are hurt by an uninsured driver when you are walking around or on a bicycle. Another way to think about UM/UIM is that it's another pot of $ for you and your family/passengers. Liability and umbrella are to pay the oth...
by smackboy1
Wed Oct 10, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 598

Re: Uninsured/underinsured insurance?

I don't quite understand what uninsured/underinsured auto insurance is for. You need to have comprehensive and collision in order to get it If I get into an accident, Liability will pay the other guy (if I'm at fault) Collision will pay me (regardless of fault). In that case, what does having under...
by smackboy1
Sat Oct 06, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10891

Re: Alan Roth doesn't like single premium annuities

SPIA are just another tool in the tool box. Sometimes it's the right tool, but not always. I think the problem is when people consider them investments and start looking at ROI. I don't consider them investments. They are more akin to insurance like life insurance, flood insurance, umbrella insuranc...
by smackboy1
Fri Oct 05, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 29
Views: 2298

Re: Need advice will vs trust for my situation-UPDATE

We are going with the trust with pour over wills. I would like to save the money by saying screw it give all to the daughter at once but their are other things we would like to do with OUR money and she simply cannot be relied upon to do this. Additionally she could never handle probate. What we de...
by smackboy1
Tue Oct 02, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1596

Re: Shows in Las Vegas for 6 and 8 year old

Not sure but will 6 and 8 year enjoy Blue Man Group show? If not, are there any shows which I should be looking at. These shows are 90 minutes so not sure if kids can sit to enjoy. Have you ever seen Blue Man Group? Personally I found it kind of meh. It's performance art the kids may get bored if t...
by smackboy1
Sun Sep 30, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3180

Re: Anyone ordered a vehicle through a dealership?

We are in the market for a new truck. We have a local dealership where we service and purchase our vehicles. We are looking for a particular vehicle, but we are not seeing it on their lot. Has anyone ordered a vehicle before? How does the process work. Is there any room for negotiation with 2019 ve...
by smackboy1
Thu Sep 27, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6112

Re: Oil change interval for low-mileage vehicles

I have a 2017 Ford Escape, and I don't drive much. I put about 4000 miles a year on it. Most of that is from short trips, running errands around town. My mechanic says I should have the oil changed every three months (roughly 1300 - 1500 miles). I decided to RTFM (Read The Fine Manual)... :P It say...
by smackboy1
Mon Sep 24, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1787

Re: HVAC Options -- Any advice?

Thanks. Assume this company has worked with hundreds of houses almost identical to mine for 60 years (including the old system on my house and a bunch of my neighbor's houses). I checked one neighbor's house and the new system looks virtually identical -- same models, same spot in the basement, etc...
by smackboy1
Mon Sep 24, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4592

Re: Investing in the Rare Opportunity

Johnny is a 40-year old. . . and lives without extravagance; he’s got a million in his 401K and another million in taxable. . . Johnny can sell and get his additional million or wait and try to parley it into much more…maybe $5 million. He decides to wait. He moves all the money in his taxable acco...
by smackboy1
Mon Sep 17, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2640

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

So is there a difference between "GV/Hangouts" and "Google Voice"? She has Google Voice running and whenever she tries to make a call from Europe using Google voice she gets a "Call cannot be routed by foreign carrier" or some such message. It is still trying to use VoIP but perhaps Google is block...
by smackboy1
Mon Sep 17, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2504

Re: Rain Jacket recommendations and care

I'm a skier but more than that I'm a clothes horse when it comes to technical gear. In order to cut through the manufacturer's marketing BS it really pays to understand the underlying technology behind claims of "waterproof and breathable" fabrics. These articles are the best explanation I've ever r...
by smackboy1
Fri Sep 07, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3203

Re: Selling a newish vehicle yourself, how to do it?

Car selling tips: 1) Definitely use a throwaway phone # and email. 2) Don't use KBB or any other website to value and price the car. It's BS. Get a trade in offer from a dealer or Carmax. That's the low. Look at completed sales for similar cars e.g. eBay. Most cars listed on Auto Trader or Cars.com ...
by smackboy1
Mon Sep 03, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for storage building
Replies: 2
Views: 280

Re: Liability insurance for storage building

I am considering purchasing a storage building to keep my collectible cars. I would purchase the building through an LLC which I am the sole member. The building is bigger than my personal needs and I wanted to rent out a few spaces to select friends/car buddies. My questions are: 1) The building w...
by smackboy1
Mon Sep 03, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1133

Re: How do I get rid of big project t.v.?

PICKUP Pickup and haul-away can be scheduled for a $99.99 fee without a qualifying purchase for up to two appliances or two TVs or one of each. Please contact your local store for details and to schedule your pickup time. Thank you! We are almost at this point with a wonderful but 200-pound 34" Son...
by smackboy1
Tue Aug 28, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is a will or living trust necessary?
Replies: 11
Views: 1240

Re: Is a will or living trust necessary?

I’m 31, married, with no kids and do not have a will or living trust in place. I have all of my accounts with my wife designated as the beneficiary. Is it necessary for me to have a will or living trust in place? Perhaps I’m ignorant, but I feel like my situation is pretty simple. It depends. Peopl...
by smackboy1
Tue Aug 28, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2640

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

Thanks for the detailed response. So someone above mentioned a "Skype $71" plan that would allow unlimited phone calls back to the US for free (over data). BUT, if I understand Google-Voice, you can get a free US number (I did this last night to try it out) and then use that number from Europe (pro...
by smackboy1
Mon Aug 27, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2640

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

We travel frequently, although mostly in Asia. The easiest and best way is for her to make sure her VZW mobile phone can use the 4 main global GSM frequencies and then buy prepaid rechargeable local SIM in Austria with 4GLTE data and roaming in the EU. That way she will have a local # for making res...
by smackboy1
Mon Aug 27, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: LLC for one rental property?
Replies: 28
Views: 2360

Re: LLC for one rental property?

That said our real estate attorney at closing told us we should form an LLC to put the property into. Is this really needed? Can’t sufficient umbrella/liability cover in the event of a lawsuit? It depends on state law and also your financial situation e.g. single member LLC may not offer any liabil...
by smackboy1
Fri Aug 10, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Investment Policy Statement
Replies: 61
Views: 3429

Re: Trust Investment Policy Statement

Bogleheads believe in low cost index funds and ETFs. Have you inserted an Investment Policy Statement in any estate planning trusts to reflect your desire to maintain a low cost, passive portfolio and give guidance to successor trustees? Can a trust protector enforce your wishes if the trustee stra...
by smackboy1
Fri Aug 10, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1976

Re: Uninsured Motorist coverage

If youre worried about permanent disability, wouldnt disability insurance be better, since it would cover injury from any cause and you wouldnt have to risk a trial against the uninsured driver? Your own insurance co might argue in defense of the uninsured driver. https://bancorpinsurance.com/why-d...
by smackboy1
Fri Aug 10, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1976

Re: Uninsured Motorist coverage

There are 2 types of people that do not need to buy UM/UIM: 1) Income too low and cannot afford it ABSOLUTELY NOT! If you drive a car, you MUST have UM/UIM - or you risk a real financial and medical disaster. If a person's income is so low the choice is between food, shelter or medicine vs. UM/UIM ...
by smackboy1
Thu Aug 09, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1976

Re: Uninsured Motorist coverage

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? Especially if one has Personal Injury Protection , as well as Uninsured M...