Search found 1469 matches

by TheGreyingDuke
Tue Aug 07, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 2906

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

i have a family member who had a tesla. minor accident took 6 months to get parts. i would not buy. This is the thing that has kept me from going ahead with buying a 3. Mind you, the last time I had a car in a body shop was probably 30 years ago, but the stories of people waiting months for parts i...
by TheGreyingDuke
Mon Aug 06, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2625

Re: Should I roast my own coffee?

I have tried some of the cheap methods of home roasting (cast iron pan, popcorn device) and was never satisfied with the results. I have moved to an area where the regional supermarket (Wegman's) will custom roast your coffee for you. They have 5 r 6 choices of green beans, all designated organic, a...
by TheGreyingDuke
Tue Jul 31, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Re: Life Insurance for son and daughter-in-law

It always interests me the extent to which people are involved in the finances of extended family members — children, parents, sisters, brothers, etc. Obviously, in many cases the extended family member has actively sought the advice of others or has at least provided financial details to others. B...
by TheGreyingDuke
Tue Jul 31, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Re: Life Insurance for son and daughter-in-law

Folks, we aren't going to change the OP's mind. He seems to be opposed to them buying life insurance, and it's probably not his decision to make anyway. Besides, he hasn't posted in days anyway. OP here, sorry that I was missing, somehow I missed the message that there were additional comments. I a...
by TheGreyingDuke
Sun Jul 29, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Re: Life Insurance for son and daughter-in-law

willthrill81 wrote:
Sat Jul 28, 2018 9:41 pm

If the employer is paying for it, it's probably tied to him working there. It's possible that he may be able to pay for it on his own after leaving, but the cost may be very high. And you've said nothing about life insurance for your DIL.
As mentioned, he is paying for the additional coverage
by TheGreyingDuke
Sat Jul 28, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Re: Life Insurance for son and daughter-in-law

Thanks for the comments... I am not sure that this additional insurance is job-related, that would describe the 3x annual salary insurance that Son gets as a benefit at no cost. This additional insurance seems to be independent of employment although he was referred by personnel office, he has to do...
by TheGreyingDuke
Sat Jul 28, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Re: Life Insurance for son and daughter-in-law

x2, they should have at least $1M each depending on incomes. Buying more coverage through work is also a bad idea, they should buy it on their own with indiviual policies. Are they really going to miss $50-100/month with a $200k+ income? A very small price to pay for peace of mind at their ages.. C...
by TheGreyingDuke
Sat Jul 28, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Re: Life Insurance for son and daughter-in-law

$450k seems awfully light for a family with a combined income of $225k, even if they're almost debt free. They would be a very rare family indeed if they didn't depend on both spouse's income. To the extent that they do, more life insurance is needed on both of them They could live on one spouse's ...
by TheGreyingDuke
Sat Jul 28, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 2921

Life Insurance for son and daughter-in-law

They are in their mid-30's have an 18-month-old and maybe more on the way. Son is tenured at Ivy university, daughter-in-law on her way. They will have paid off their home by the end of 2019, both my wife and DIL's mother/father (divorced) have ample means to assist if needed. Annual combined salary...
by TheGreyingDuke
Sat Jul 28, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3834

Re: Suggest an electric car: Volt? Alternative?

A cam chain "should" never need replacement, according to VW :shock:

On my 2009 TSFI Jetta a weakness identified by many is the cam tensioner, be sure that if you do the repair that it is not that part that is giving you grief. It depends on oil pressure and is a known problem on these engines.
by TheGreyingDuke
Fri Jul 27, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3834

Re: Suggest an electric car: Volt? Alternative?

The 2008 GTI almost certainly has a timing belt. The TSFI engine, with its timing chain, did not come until the 2009 model, of course you may have a rare bird. The usual specs for the 2008 GTI include a timing belt from the crank pulley to the camshaft and a chain from one cam to the other. It is th...
by TheGreyingDuke
Fri Jul 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 14
Views: 1288

Re: Buying a used car..how many owners is too many owners?

I would rather buy a used car from a senior couple retired in Sun City that bought the car brand new and only use it to get groceries every week. The rest of the time is sat in an enclosed garage next to an identical older car they keep for a "spare". One owner. Short trips with infrequent use can ...
by TheGreyingDuke
Thu Jul 26, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3834

Re: Suggest an electric car: Volt? Alternative?

I am in a similar position... My current ride is a 2009 Jetta (Golf) Sportwagen a rare bird in the US as it has the 2.0 TSFI engine like the GTI and a 6 speed. Great car just back from a 500-mile round trip with wife, son, daughter-in-law, and granddaughter, average 33MPG (on premium) and lots of ba...
by TheGreyingDuke
Wed Jul 18, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Electric/Hybrid Tax Credits
Replies: 14
Views: 1035

Re: Electric/Hybrid Tax Credits

The electric vehicle credit is non-refundable. i.e it can't be more than your tax liability. Can someone help me understand this? Is my tax liability what I owe extra at the time of filing taxes in 2019 or does it also include all the taxes what I owe but already have paid and have zero tax liabili...
by TheGreyingDuke
Tue Jul 17, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 11379

Re: New Vanguard Security Code Requirement

It also plays havoc on anyone with Mint or Quicken tracking software. Unlike most Bogleheads who look at their balance once a year, I actually do daily monitoring. Not to make changes or react, but just to monitor for unauthorized transactions or errors (across all financial accounts, not just reti...
by TheGreyingDuke
Mon Jul 09, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 21
Views: 2124

Re: Avocado oil --recommendations?

Costco or BJ's
by TheGreyingDuke
Thu Jul 05, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3212

Re: Coffee Grinder recommendations

Another vote for the Brataza, the encore in your case. Great machine, excellent service and runs without complaint. I have had mine for four years, grind about 60 g of coffee each morning, get my coffee custom roasted at Wegman's and it is never more than 6 days past roast date.
by TheGreyingDuke
Tue Jun 26, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 21
Views: 1953

Re: NY Insurance Costs on the Rise

I am upstate, auto just renewed at the same price, the umbrella hasn't changed in years (but we are retired folk and I think you get rated on your total risks).
by TheGreyingDuke
Tue Jun 26, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5312

Re: car for long-distance driving

It sounds as if you are a Costco member, their Visa card which comes with membership, provides primary coverage on rental cars, up to its limits.
by TheGreyingDuke
Fri Jun 22, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What do we mean when we say "HCOL vs LCOL" location?
Replies: 34
Views: 2411

Re: What do we mean when we say "HCOL vs LCOL" location?

Also to be considered is what you get for your "cost". Living in Manhattan the need for a car is zero, saving thousands of dollars a year. Living in an area with a good library saves me thousands a year in book purchases, movie access however you choose, and magazines. I could live in a nearby area,...
by TheGreyingDuke
Mon Jun 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8757

Re: Which Supermarket are you?

Another endorsement of Wegman's, a Rochester, NY regional chain. Great selections that vary by the store, good store brand products of high quality, and like many markets today, lots of prepared foods, better than a fast food joint for a quick lunch on the go. In my local store, they will custom roa...
by TheGreyingDuke
Sun Jun 17, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3741

Re: Standard buyer's remorse or poorly timed enlightenment?

My brother had a house in Ridgefield, installed an attic fan and MOST nights it did a great job of cooling the house.
by TheGreyingDuke
Fri Jun 15, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2418

Re: Using donor advised fund to diversify stock with large capital gains

T Consequently, I periodically transfer chunks of assets from the Vanguard DAF to the Fidelity DAF in order to make use of items 2 and 3 when I have to. It is a significant flaw in Vanguard's system which will not allow you to easily make a grant recommendation on behalf of someone, so I cannot rec...
by TheGreyingDuke
Tue Jun 12, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 57
Views: 10479

Re: Vaguard - You'll need to sign up for security codes soon

While my wife is quite adept with smartphones and computers, she will not tolerate time on investments. I am an authorized agent on her account, it all appears with my log in and all is good.

We have multiple accounts, TIRA, Roth, Taxable X2, and a JTROS
by TheGreyingDuke
Tue Jun 12, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: A Simple new car lease formula?
Replies: 14
Views: 1551

Re: A Simple new car lease formula?

Do you mind mentioning what brand and model vehicles those are? And you are calculating the monthly percent based on MSRP, correct? A lot of vehicles typically sell quite a bit below MSRP, especially if there are rebates and incentives available. So, the actual monthly percent would be higher if yo...
by TheGreyingDuke
Mon Jun 11, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: A Simple new car lease formula?
Replies: 14
Views: 1551

Re: A Simple new car lease formula?

ncbill wrote:
Mon Jun 11, 2018 1:54 pm

OP has discovered the "1% rule"

anyone interested in leasing should spend a considerable amount of time over on the leasehackr.com forums.
by TheGreyingDuke
Sat Jun 09, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

Re: To take or not to take delivery of Tesla 3

That sounds really low to me. Having said that, if you pick up a base 3 and want to sell it for $15,000+ after driving it for 3 years, I would buy it sight unseen as long as it wasn't wrecked. IMO, the 3 is years ahead of the competition. https://www.reddit.com/r/teslamotors/comments/8nhodw/model_3...
by TheGreyingDuke
Sat Jun 09, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

Re: To take or not to take delivery of Tesla 3

That sounds really low to me. Having said that, if you pick up a base 3 and want to sell it for $15,000+ after driving it for 3 years, I would buy it sight unseen as long as it wasn't wrecked. IMO, the 3 is years ahead of the competition. https://www.reddit.com/r/teslamotors/comments/8nhodw/model_3...
by TheGreyingDuke
Sat Jun 09, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

Re: To take or not to take delivery of Tesla 3

Going back on topic, I think someone should take delivery if they want a new, sporty, efficient EV. The 3 to me has 90+% of the practicality and efficiency of a Prius with 90+% of the performance and appeal of a luxury sports sedan. No other manufacturer's offering anything close right now, and I t...
by TheGreyingDuke
Mon Jun 04, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: NYS 457
Replies: 9
Views: 744

Re: NYS 457

Hi all, I am new to the BH community and looking for some advice on my NYS 457 plan and how to set it up. Been contributing 15% for 10 years and have 175k in my account. No financial background and just listened to a co worker on how to set up my plan. After learning a little more about finances I ...
by TheGreyingDuke
Mon Jun 04, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Redemption Speed - Vanguard Federal Money Market
Replies: 7
Views: 719

Re: Redemption Speed - Vanguard Federal Money Market

That doesn't sound right. I do push ACH transactions (I initiate on the Vanguard site) to my USAA checking account and I normally get funds in the checking account the next business day. I just did a transfer Friday and it hit my bank today. This is my experience as well, the receiving bank may hol...
by TheGreyingDuke
Sun Jun 03, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5570

Re: Advice for assisting 18 year old son after high school

I would urge you to get some feedback from places other this wonderful FINANCIAL advice site. There is a concept in behavioral psychology known as collapsing domains. Just as I would not ask a trusted physician for financial advice I would also not ask people here for the sort of advice you are seek...
by TheGreyingDuke
Sun Jun 03, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2752

Re: Enterprise vs Avis

We make regular use (1-2X/month) of car rentals, and are in a rural area. It is a 20-minute drive to the airport, a bit less to Enterprise. The tipping factor is that Enterprise will pick my wife up and bring her home saving me the drive. If a search on Costco yields a much lower price at the airpor...
by TheGreyingDuke
Sun Jun 03, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Men's Health on Medicare
Replies: 19
Views: 1938

Re: Men's Health on Medicare

There are drawbacks to the PSA:

https://www.cancer.gov/types/prostate/psa-fact-sheet

I stopped them upon reaching 65, no high-risk background.
by TheGreyingDuke
Fri Jun 01, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Issues redeeming Vanguard Prime Money Market Fund
Replies: 35
Views: 2225

Re: Issues redeeming Vanguard Prime Money Market Fund

Doing the voice verification procedure eliminates (all?) need for a medallion guarantee, works a treat (and I know that there have been voiced some concerns about such a system being spoofed, nothing is perfect I guess).
by TheGreyingDuke
Sat May 19, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Curiosity - Kaiser docs compensation
Replies: 19
Views: 2903

Re: Curiosity - Kaiser docs compensation

I worked for Kaiser, nonphysician, clinical position... We were paid well, treated well, and had great opportunities to improve our patients' well-being. We were not in fact employed by Kaiser and I think this is true for all their clinicians in all regions but I may be mistaken. Our medical group e...
by TheGreyingDuke
Fri May 18, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 95
Views: 4928

Re: Road trip Newark NJ to Albany

http://stormking.org/visit/

Very nice outdoor sculpture park, an hour north of the city.
by TheGreyingDuke
Mon May 14, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 leftover [Chevy Bolt], account for depreciation
Replies: 1
Views: 372

Buying a 2017 leftover [Chevy Bolt], account for depreciation

I am considering the purchase of a 2017 Bolt, it is selling for a 23% discount off of MSRP and for about 15% less than the comparable 2018. I am trying to calculate its "value", assuming I keep it 5 years will it cost less than the 2018. I thought of trying to access the prices at Manheim for a 2017...
by TheGreyingDuke
Wed May 09, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Medicare supplement policy G -does it offer guaranteed issue rights if insurance company goes bankrupt or ends?
Replies: 23
Views: 1849

Re: Medicare supplement policy G -does it offer guaranteed issue rights if insurance company goes bankrupt or ends?

I am interested in this issue, too, since I will turn 65 in 2019. My intent has been to get a Plan G Medigap policy (plus Plan D drug plan) but I am befuddled by the wording on Medicare.gov about what happens when you move out of state (I live in PA near Pittsburgh and could move to VA in my dotage...
by TheGreyingDuke
Tue May 08, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2230

Re: Please confirm Social Security strategy

My wife, just this month, started collecting her spousal as she reached FRA (full retirement age). I started collecting in February when I reached 70.

One surprise, I thought she was going to get half my payment, turns out she gets half of what I would have gotten at FRA.
by TheGreyingDuke
Mon Apr 30, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6776

Re: Learning to drive a stick [car with manual transmission]

dm200 wrote:
Mon Apr 30, 2018 1:30 pm

Proper (and safe) manual transmission usage also includes downshifting through the gears as you slow down and stop.
Brakes are cheaper than clutches,
by TheGreyingDuke
Mon Apr 30, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6776

Re: Learning to drive a stick [car with manual transmission]

You cannot (without a lot of tinkering) do this with today's stick shift cars, but years ago, you could (and I did) start and drive a stick shift without a working clutch. Scary. Years ago I was the proud owner of a Porsche 356, I was leaving my parents' home in Nj to drive back to Charlottesville ...
by TheGreyingDuke
Mon Apr 30, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5441

Re: Maple syrup

Syrup grades were altered a few years back, it is all Grade A now with descriptors to distinguish the lighter grades (think stand-alone use) from darker grades (think baking).

https://www.epicurious.com/ingredients/ ... de-article
by TheGreyingDuke
Wed Apr 25, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3965

Re: Traveling to Asia-need advice

Dudley wrote:
Mon Apr 23, 2018 2:32 am
Many south east asian countries (cambodia, vietnam, thailand, parts of indonesia) are far more culturally interesting than say South Korea and China.
Huh? Sez who?
by TheGreyingDuke
Tue Apr 24, 2018 5:49 am
Forum: Personal Consumer Issues
Topic: Help me with my email in Shanghai.
Replies: 8
Views: 861

Re: Help me with my email in Shanghai.

One way out of this mess is 1) create a Microsoft Outlook account, 2) call someone you know and trust back home, 3) ask them to login to your Gmail account, 4) go to settings and switch on the option to auto forward all email to the new Outlook account. 5) you can freely login to Outlook email from...
by TheGreyingDuke
Fri Apr 20, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

Re: To take or not to take delivery of Tesla 3

I too received my invite to configure a 3 this week, also on the fence. I failed to take advantage of a great end of the year lease on a Bolt, which probably meets most of our needs. I assessed that the availability of the Tesla network of chargers would also us to use a 3 as an only vehicle, we tak...
by TheGreyingDuke
Thu Apr 19, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106480

Re: To take or not to take delivery of Tesla 3

I am in much the same place as OP; got my invite to configure the 3 yesterday and cannot deice to go ahead or not. Now driving a 2009 Jetta Sportwagen, it is an all-around vehicle (don't ask about maintenance!) but it is getting long in the tooth. Thought I would be getting an all-wheel version but ...