Search found 1731 matches

by TheGreyingDuke
Mon Jun 29, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Need tips on buying a used car with a trade in
Replies: 20
Views: 994

Re: Need tips on buying a used car with a trade in

with everyone staying at home, car prices have plummeted. You should be able to negotiate a good deal if you expand your search and are willing to travel to pick up your new car. As others have noted, selling yourself will get you the best value. But if you want a comp, bid out to Carmax, Vroom, ca...
by TheGreyingDuke
Wed Jun 24, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Can I import this year's H and R Block to Turbo Tax?
Replies: 1
Views: 139

Can I import this year's H and R Block to Turbo Tax?

Started with H and R, they are missing the form for credit for installing electric vehicle charging, have no intention to add it. They suggest filing a paper return and change the figures to comport to the credit. If I were to load Turbo Tax, could I import the return for 2019 from H and R Block to ...
by TheGreyingDuke
Mon Jun 22, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: "Snow Guard" for metal roof: A must or "Hogwash" or a "Hill of Beans"??
Replies: 33
Views: 1650

Re: "Snow Guard" for metal roof: A must or "Hogwash" or a "Hill of Beans"??

Almost 50 years north of 43 degrees north, mostly with metal roofs, always with gutters, never heard of Snow Guards.
by TheGreyingDuke
Sat Jun 20, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Rain barrel questions
Replies: 28
Views: 2367

Re: Rain barrel questions

In our housing co-op we collect rain from the roofs of 8 houses, they go underground to two 1000 gallon septic tanks, and from there they gravity to the garden. It is an advantage to use rainwater as opposed to municipal water for gardens.
by TheGreyingDuke
Mon Jun 15, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Changing phone service and keeping phone #
Replies: 9
Views: 580

Re: Changing phone service and keeping phone #

She can migrate the number with no problem, but maybe consider porting it to Google Voice, it is a forever number, and get a new number for the mobile. Then forward the google number to the new number and you are set. Other features of GV made that worth it to me (like getting calls on my US number ...
by TheGreyingDuke
Mon Jun 15, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1199

Re: EZ-Pass Issue for Pennsylvania

I would suggest that transponders have a lower failure rate than do plate readers. There is also the issue of legality: Some libertarians are angry that a red light camera bills the registered owner of the car (because it is impossible to the bill the "driver" at the time of the violation!) I'd add...
by TheGreyingDuke
Mon Jun 15, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Still working and insured. Should I sign up for medicare at 65?
Replies: 7
Views: 878

Re: Still working and insured. Should I sign up for medicare at 65?

whyme wrote:
Sun Jun 14, 2020 12:13 pm
My immediate thought is that enrolling sooner may be to the insurance company's advantage, but I can't see what good it does me (until I actually retire, of course).
I many/most cases Medicare will be secondary to your workplace insurance, it doesn't save the employer-based insurer anything.
by TheGreyingDuke
Mon Jun 15, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: Best ETF or mutual fund that doesn’t pay dividends or distributions?
Replies: 24
Views: 1394

Re: Best ETF or mutual fund that doesn’t pay dividends or distributions?

livesoft wrote:
Mon Jun 15, 2020 12:58 pm
How about an ETF or mutual fund that has such a high expense ratio that the dividends are sucked away and shareholders don't get them?

Whether the dividends provide a net to the investor or not, as long as the underlying security paid it, the mutual fund owner will pay taxes on it.
by TheGreyingDuke
Mon Jun 08, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2481

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Be cautious replacing furnace filters with higher MERV ratings yu may jeopardize heating and your furnace. My Rheem furnace is ~40yo. Is the merv rating shown on it? Where? I couldn't see anything on the outside of it, can't remove the panel. What filters are in there now? Look at them and either r...
by TheGreyingDuke
Mon Jun 08, 2020 6:18 am
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2481

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Be cautious replacing furnace filters with higher MERV ratings yu may jeopardize heating and your furnace.
by TheGreyingDuke
Mon Jun 08, 2020 6:07 am
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 103
Views: 9326

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

I have also been all-in at Vanguard for decades and was disappointed at the demise of Advantage. Otherwise, my needs are easily met. All dividends get swept to a high-yield savings account and once a month I make a transfer to a newly-opened Fidelity cash management account. The Fidelity account is ...
by TheGreyingDuke
Fri May 29, 2020 6:23 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 148
Views: 14426

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( For the best pizza you want to use Italian OO flour, I am able to buy it in 55lb bags from a local distributor who delivers it to my door for $55 https://www.amazon.com...
by TheGreyingDuke
Sat May 23, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 49
Views: 4510

Re: Bicycle Recommendation?

10 yeard old bike, if the frame is in shape, should not be ready for the trash. Especially with your very limited use, if the bike fits well, no reason to buy new. If you cannot or do not want to do the repair a good bike shop is your friend. In my locale, there is a bike cooperative, all set with t...
by TheGreyingDuke
Sat May 23, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7898

Re: NJ property taxes too high. What are my alternative states?

That's a question lots of us ask about our own states. Seems like property taxes are easy to raise on constituents. I've considered becoming a full time renter, just to avoid them. Executive suites with deluxe high end apartment, paid for in part by property tax savings. I pay $4,000. a year for my...
by TheGreyingDuke
Sat May 23, 2020 7:04 am
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 1899

Re: Subaru Outback vs deer

Since it seems like just door panels, do we take it to Subaru dealership, or can regular collision shops get new door panels, paint them match, etc. While dealerships often have collision shops, that's usually not their forte. Some might outsource most of the work to a nearby shop. Quite likely you...
by TheGreyingDuke
Mon May 18, 2020 6:41 am
Forum: Personal Investments
Topic: Trouble adding funds to Vanguard account
Replies: 8
Views: 558

Re: Trouble adding funds to Vanguard account

Last week I created a Vanguard taxable joint account for wife and myself. Funded it with $5k from our joint savings account at the bank. All went smooth with no problems. This morning I attempted to move another $5k from the same bank account but I keep getting a message that reads “this account mu...
by TheGreyingDuke
Sat May 16, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 3922

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

You don't say what state you reside in but if you received a state subsidy on the purchase an keep it less than 3 years you may be expected to repay the rebate/credit.
by TheGreyingDuke
Wed May 13, 2020 6:24 am
Forum: Personal Finance (Not Investing)
Topic: EE Bonds to 529 for self to 529 for grandchild
Replies: 1
Views: 175

EE Bonds to 529 for self to 529 for grandchild

I have EE bonds maturing over the net few years; the first of these occurred this month, I put the proceeds into a 529 account with me as beneficiary. The intention is to change the beneficiary to my grandson, no issues there. But with 6 or 7 of these maturing over the next few years is there any wa...
by TheGreyingDuke
Mon May 11, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Shrinking Jeans in Washer/Dryer
Replies: 29
Views: 1460

Re: Shrinking Jeans in Washer/Dryer

DTalos wrote:
Mon May 11, 2020 6:53 pm
I ordered jeans that are too baggy. Is there a washer or dryer cycle that will shrink them to where they will look less baggy? Are baggy jeans in style?
Get into a tub of warm water with the on, soak for 20 minutes or so and then air dry them on you, better wait for warm weather.
by TheGreyingDuke
Sun May 10, 2020 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Help please creating protective, spendthrift, and living trusts.
Replies: 8
Views: 834

Re: Help please creating protective, spendthrift, and living trusts.

Lazareth wrote:
Sat May 09, 2020 5:15 pm
Dear Bogleheads,
I am a novice at trusts but have looked over many threads here and posts by bsteiner, afan, and other informative posters. I recently read the book "From the Grave". You've all made me appreciate that I need to get prepared first.
by TheGreyingDuke
Fri May 08, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1580

Re: Worth Buying a Used Phone on Swappa?

I have bought several phones on Swappa, looking for like-new examples of the just replaced model. Recently I bought a Pixel 3XL for $300, it was from someone who asserted they tried it and decided to go back to an iPhone. It was very mint and hundreds less that Google wanted. I did have one example ...
by TheGreyingDuke
Fri May 08, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1331

Re: Plunger reccomendation for newer toilets

TOH did an interesting short on toilets a few months back. Supposedly flush problems can be caused by the little holes in the toilet rim getting plugged over time. Toilets that incorporate a separate water supply and well as "channel" to improve this rim wash might be the way of the future. https:/...
by TheGreyingDuke
Thu May 07, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Excellent Treasury Direct Experience(s)
Replies: 11
Views: 1026

Excellent Treasury Direct Experience(s)

I had some EE coming up on 30 years, these were paying over 4%. Given all that was going on mid-March, I thought I would deposit them in my Treasury Direct account so that there would be an easy redemption once they matured (May 1). I sent them off with a Forever stamp, two weeks later got an acknow...
by TheGreyingDuke
Mon Apr 27, 2020 8:55 pm
Forum: Personal Investments
Topic: Do Vanguard and Trust Accounts Mix Well?
Replies: 11
Views: 844

Re: Do Vanguard and Trust Accounts Mix Well?

They will want the first and last pages of the trust document, no difference in operations compared to individual or JTROS account
by TheGreyingDuke
Sun Apr 26, 2020 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Does Grandpa need a new 529 each year for EE bond contribution?
Replies: 3
Views: 384

Re: Does Grandpa need a new 529 each year for EE bond contribution?

In 2020 I open a 529 with myself as beneficiary. When the bonds for 2020 mature, I deposit the proceeds into the account and then change the beneficiary to my grandchild. In 2021 I open another 529 with myself as beneficiary and repeat the action of 2020, and so on for the next ten years as new EE b...
by TheGreyingDuke
Sat Apr 25, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does Grandpa need a new 529 each year for EE bond contribution?
Replies: 3
Views: 384

Does Grandpa need a new 529 each year for EE bond contribution?

I understand that the proceeds of my maturing EE bonds, issued after 1989, are able to be contributed to a 529, with me as beneficiary. I can then change the beneficiary to my grandson/daughter. But I have EE bonds coming due each year for the next 5 years or so, does that mean each year I need to o...
by TheGreyingDuke
Sat Apr 25, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11725

Re: Gardening 2020

We're just about to plant two main garden areas. Just finished discing the dirt and getting it fluffed up. First, a 35 x 50 foot area that will be all corn. Two varieties, both supersweet, Vision F1 (yellow) and Glacial F1 (white.) First time we've planted this much, I calculate this to be about 15...
by TheGreyingDuke
Thu Apr 23, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5681

Re: Costco Delivery

Long time Costco member here, about 4 years ago I moved to an area with no Costco but a BJs; they are not equivalents, Costco is much more to my liking with their selections. I stayed with BJs, mostly for the $10/pund parmesan cheese, the real stuff. Now they seem to have dropped this item so have b...
by TheGreyingDuke
Wed Apr 22, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2439

Re: Aeropress coffee machine stuck in shipping

The recommendation for my Barazata Encore coffee mill suggests using the same setting for Hario drip and the Aeropress, one data point. I do as suggested and find that I like the Aeropress just a notch or two finer. You ask for "thicker" coffee, that can depend on the particular variety you are brew...
by TheGreyingDuke
Tue Apr 21, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Growing Fruit and Vegetables
Replies: 30
Views: 1887

Re: Growing Fruit and Vegetables

Lots of good suggestions here... 1) Grow what you like 2) Avoid varieties that take a lot of space for the output, you don't have much space. This would include corn, cukes, winter squash. 3) Plant succession crops, depending on your climate the same space can yield several crops over the season. Pe...
by TheGreyingDuke
Sat Apr 18, 2020 10:32 am
Forum: Personal Investments
Topic: Where do we put 74 year old mother-in-laws money?
Replies: 16
Views: 1130

Re: Where do we put 74 year old mother-in-laws money?

My wife and I recently sold her mom's house (she's now in assisted living and loving it) and I had my wife close her mom's brokerage account at Ameriprise. There were 9 funds that made up the account, I don't know the exact ones at the moment. So with my goal to have my mother-in-law not outlive he...
by TheGreyingDuke
Fri Apr 17, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Banking-External Links to other banks
Replies: 5
Views: 433

Re: Banking-External Links to other banks

That's odd. I transferred money to other people's accounts on multiple occasions. Right, you can do an ACH transfer to someone else's account. In addition, back in the Vanguard Advantage days, I would need to wire money to Hong Kong, not a problem. I did have voice verification in place, not sure h...
by TheGreyingDuke
Fri Apr 17, 2020 6:30 pm
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 46
Views: 4216

Re: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors

One more: how about investors who already own it in one fund, and now want to buy it in a different existing fund? For instance, have it in a taxable account, don’t yet have it in their IRA and want to add it? Decades ago I wanted to buy Windsor, it was closed to new investors, my father transferre...
by TheGreyingDuke
Fri Apr 17, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Growing Potatoes
Replies: 9
Views: 1042

Re: Growing Potatoes

Kennebecs are a good all-around spud and apparently has some resistance to late blight
by TheGreyingDuke
Fri Apr 17, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: Growing Potatoes
Replies: 9
Views: 1042

Re: Growing Potatoes

I'm tripling my vegetable garden this year to save money and want to try potatoes. It is my understanding that store-bought potatoes can be used even though they have something put on them to inhibit sprouting, but are they treated for or are they blight-resistant? I am not sure what you mean by "b...
by TheGreyingDuke
Sun Apr 12, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2704

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

I'd like to offer a third alternative. Negotiate between several dealers for the lowest "out the door" price by email. It depends on the brand and model but you should be able to get at least 15% of MSRP that way. I recently used this method and got a $45k MSRP Toyota for $37k. You can do this beca...
by TheGreyingDuke
Fri Apr 10, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4448
Views: 1258359

Re: What Book Are You Currently Reading? Part VI

The Origins of Totalitariansim by Hannah Arendt From Wikipedia: Le Monde placed the book among the 100 best books of any kind of the 20th century, while the National Review ranked it #15 on its list of the 100 best non-fiction books of the century. The Intercollegiate Studies Institute listed it am...
by TheGreyingDuke
Tue Apr 07, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3163

Re: Coffee Grinders

Any of the Barazata mills will do great. The Encore does not work so well if you are making espressos, otherwise it is fine. Great service, easily replaceable wear parts, solid machines.
by TheGreyingDuke
Tue Apr 07, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11725

Re: Gardening 2020

Maybe I should rip up my front lawn and plant beans, tomatoes and sweet corn there. My city is fussy but I can claim it is my patriotic duty. Lawn services are not allowed to operate in my state during the stay-at-home order. Not sure if you were being facetious but corn needs to be grown in fairly...
by TheGreyingDuke
Tue Apr 07, 2020 7:23 am
Forum: Personal Consumer Issues
Topic: hand tool rototiller-like thing for deck planters
Replies: 8
Views: 369

Re: hand tool rototiller-like thing for deck planters

I would consider other options for solving your problem of compacted soil. Tilling can make the problem worse, as it breaks up the desired soil texture, allows evaporation of beneficial nutrients, and can create an impenetrable smear level. The roots you mentioned as a problem should be able to add ...
by TheGreyingDuke
Tue Apr 07, 2020 7:01 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11725

Re: Gardening 2020

* She Russian Kale is apparently a perennial and we'll be having a kale salad soon. Not a perennial but a biannual, sometime late Spring it will put out a flower/seed stalk. But if you start some kale now (indoors) and plant it out come April 20 or so, you could have an uninterrupted supply of kale.
by TheGreyingDuke
Sun Apr 05, 2020 6:56 am
Forum: Personal Investments
Topic: Treasuries - No state tax - How to do when filing taxes
Replies: 5
Views: 504

Re: Treasuries - No state tax - How to do when filing taxes

Treasuries are easily handled as mentioned above; if you hold funds that hold treasuries there is a more complicated calculation that needs to happen. Vanguard publishes a list of each fund and the % of its income that is derived from Treasuries. You need to haul ut the calculator and figure out the...
by TheGreyingDuke
Fri Apr 03, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18546

Re: So what are you cooking

Tonight, for my wife, son, and daughter-in-law:

MaPa Tofu
Tiger Skin peppers
Hot and sour potato threads
Fried Rice
Scallion Pancakes, dipping sauce
Broccoli and tree ears

We have time on our hands, what better way than to cook up a storm!
by TheGreyingDuke
Mon Mar 30, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Water line replacement - is HOA responsible?
Replies: 24
Views: 1504

Re: Water line replacement - is HOA responsible?

What do your bylaws and proprietary lease say?
by TheGreyingDuke
Sat Mar 28, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 2915

Re: Stand Mixer

I assume you are talking about the Kitchen Aid models? I have been making all of our bread (and we supply our son and his family) for years. I make 6-8 lbs of dough at a shot, every week or so. A KA would not work, 15 years ago about one of these and have never looked back: https://www.everythingkit...
by TheGreyingDuke
Thu Mar 26, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?
Replies: 30
Views: 2062

Re: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?

As a mental health clinician, I share your concern. If you need help, get it! Pay cash if you can and then there is no trace (or little trace).
by TheGreyingDuke
Wed Mar 25, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Can I Book Plane Tix with Points And Cancel Card Before Flying?
Replies: 8
Views: 652

Re: Can I Book Plane Tix with Points And Cancel Card Before Flying?

Too many uncertainties at this time to wager on your taking a flight in the near future. I would take the cash (it is king!) and run.
by TheGreyingDuke
Tue Mar 24, 2020 7:04 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 538

Re: H&R Block and missing form 8911, EV Charging credit

Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to be passed by Congress; that is manifestly incorrect. I see they have some questions about the rebate but direct you to the IRS site for instructions. I'm confused. I e-filed...
by TheGreyingDuke
Mon Mar 23, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 538

Re: H&R Block and missing form 8911, EV Charging credit

I just did an online search and found that this form is still not available for HRB customers but is available for TT customers. The OP may want to consider the alternative. Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to...
by TheGreyingDuke
Tue Mar 17, 2020 7:50 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand Vanguard's Settlement Fund
Replies: 10
Views: 944

Re: Help Me Understand Vanguard's Settlement Fund

dratkinson wrote:
Mon Mar 16, 2020 9:17 pm

A brokerage account has a settlement fund. At Vanguard, it may be the Prime mmkt fund (VMMXX).
That was the default in the past, now it is the Federal Money Market Fund