Search found 1449 matches

by TheGreyingDuke
Mon Jun 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7173

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: 3451

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: 2224

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: 41
Views: 5827

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: 1429

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: 1429

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: 1107
Views: 86414

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: 1107
Views: 86414

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: 1107
Views: 86414

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: 674

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: 679

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: 5231

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: 2456

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: 1823

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: 2080

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: 2788

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: 76
Views: 3704

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: 344

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: 18
Views: 1178

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: 2147

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: 6174

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: 6174

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: 5132

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: 3699

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: 803

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: 1107
Views: 86414

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: 1107
Views: 86414

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 ...
by TheGreyingDuke
Mon Apr 16, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Tax Planning Help - New to US - Couple in Their 30s
Replies: 11
Views: 903

Re: 2018 Tax Planning Help - New to US - Couple in Their 30s

There are exceptions that allow for penalty-free withdrawals from IRAs before 59 1/2, the most useful approach is the substantially equal periodic payments.

https://www.investopedia.com/articles/r ... 111202.asp
by TheGreyingDuke
Mon Apr 16, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6031

Re: Costco gas

The "top tier" stuff is essentially just a certification that the gas contains a certain group of additives. It's not necessarily better quality than any other gas. If you have a motor with direct injection (many newer cars), your engine will not benefit from any of the detergent additives, althoug...
by TheGreyingDuke
Wed Apr 11, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 2179

Re: Vanguard vs TIAA

Does the TIAA portfolio represent the same risk as the one at Vanguard? If it is riskier you would expect to be "rewarded" with a potential higher return. I don't know. How can I know this? I mean I haven't figured out my portfolio yet. Can't I not build a portfolio at either firm with similar risk...
by TheGreyingDuke
Wed Apr 11, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Interstate transfer of car title using POA
Replies: 3
Views: 369

Re: Interstate transfer of car title using POA

There might be a 3rd issue... are you abusing your POA by enriching yourself at your mother's expense? Why aren't you selling the car and adding the money to her account? There is no 3rd issue. And suggesting that I may be abusing the POA is unnecessarily harsh and not helpful. I asked for input on...
by TheGreyingDuke
Wed Apr 11, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 2179

Re: Vanguard vs TIAA

Total return is central, for sure, but it has to be risk-adjusted risk return. Does the TIAA portfolio represent the same risk as the one at Vanguard? If it is riskier you would expect to be "rewarded" with a potential higher return.
by TheGreyingDuke
Tue Apr 10, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: When to apply for social security if I want to start it at age 70?
Replies: 3
Views: 549

Re: When to apply for social security if I want to start it at age 70?

You can apply 90 days before your anticipated start of benefits.

Doing it online is quick and easy, I got my confirmation within days from the processing center (came USPS).
by TheGreyingDuke
Mon Apr 09, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4344

Re: What would an extra $2000 in cash flow mean for a large family?

Do either of the schools offer any tuition assistance for your children? Is it available to be used anywhere or is it restricted to the applicable school

With potentially 5 children that could be a huge number.
by TheGreyingDuke
Fri Apr 06, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 4185

Re: Builder wants $800 to vent a gas cooktop

I've never lived in any home that had a stove hood vented to the outside, and have never been aware of any problems from it. Maybe I just don't know what I am missing. If you don't do much high heat cooking and only turn the burners up to boil water then an outside vented hood wont do much. I do a ...
by TheGreyingDuke
Tue Apr 03, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 2157

Re: Escaping TD Ameritrade

Contact the new custodian and they will handle it all.

Some assets may not transfer but for the most part should not be a problem,
by TheGreyingDuke
Fri Mar 30, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Renting car when you lose your D/L out of state
Replies: 30
Views: 2326

Re: Renting car when you lose your D/L out of state

A bit off topic... My wife had her purse stolen while in Hawaii, we had a few days to scope things out, had a copy of her passport, had electronic pics of inbound ticket and reservation, had copies of credit card bills with her name and address, didn't work until we pulled out a copy of the car rent...
by TheGreyingDuke
Thu Mar 29, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover to Vanguard requires brokerage account?
Replies: 24
Views: 2110

Re: Rollover to Vanguard requires brokerage account?

The only snafus with the brokerage accounts that I have experienced, came about as a result of the transition from the old-style mutual fund accounts to the new style brokerage. Things like where the dividends were directed needed to be reset. Oh, one continuing hassle is that there is no using the ...
by TheGreyingDuke
Thu Mar 29, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Letter to your beneficiaries / heirs "In case I croak"
Replies: 11
Views: 1144

Re: Letter to your beneficiaries / heirs "In case I croak"

My wife is totally uninterested in these matters, fortunately our son has followed my lead and is a responsible steward of his finances. I intend to replicate what my father did with me, as time goes by bring him more into the details of the estate and since he will be the major beneficiary, how bes...
by TheGreyingDuke
Mon Mar 26, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Skype on Windows?
Replies: 25
Views: 841

Re: Skype on Windows?

Have you tried avoiding the app and using the web based version??

Until recently, that was the only way to connect on a Chromebook and I see it is still available.

https://www.skype.com/en/
by TheGreyingDuke
Sun Mar 25, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need quick IRA transfer advice
Replies: 24
Views: 886

Re: Need quick IRA transfer advice

For the past several years, as CDs in an IRA have matured at a local Credit Union, I have had them send me a check made out to "Vanguard Fiduciary Trust FBO TheGreyingDuke" and send it to me, I send it along to Vanguard and that is that. This year, they offered to send it directly to Vanguard, since...
by TheGreyingDuke
Sun Mar 25, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to Endorse a Check Made out to an Estate
Replies: 16
Views: 1835

Re: How to Endorse a Check Made out to an Estate

"Estate of XXXX", Joe Smith, Executor

Worked a treat for both of my parents' estates
by TheGreyingDuke
Fri Mar 16, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Septic Maintenance Routine
Replies: 24
Views: 1664

Re: Septic Maintenance Routine

Teague wrote:
Fri Mar 16, 2018 3:45 pm
Ah yes, another Boglehead septic thread. Where once again the affluent meet the effluent
This brings back memories when a Vermont ski resort proposed using treated sewage to make snow.

https://www.nytimes.com/1985/10/06/us/v ... aking.html
by TheGreyingDuke
Wed Mar 14, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13238

Re: Need advice re: Liberal Arts Colleges...

Our son graduated from Bard College. While there he was exposed to a dynamic teacher of Chinese, got hooked on the language and the country. After graduating he took two years in China, studying language and then was accepted in a Ph.D. program at UC Berkeley, sociology. He never took an undergradua...
by TheGreyingDuke
Fri Mar 02, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2535

Re: Lost social security card, steps to take?

I'm not sure one even needs a SS card. You just need to know your SS number. I've not had my SS card for a few decades now. (It got wet and fell apart.) But I still filed for SS and Medicare benefits, no problem... I believe that when I applied for an enhanced license I was required to show my soci...
by TheGreyingDuke
Sat Feb 24, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2343

Re: Deer Garden Damage Prevention

We are in a high deer population area, the only thing that will work is an 8' fence, spraying is not up to the task.

Last I checked milgoranite (Milwaukee sewer by-product) is NOT approved for organic certification, if that is a concern.

EDIT: Make that milorganite
by TheGreyingDuke
Sat Feb 24, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: Will Emerging China Change Things for Domestic Investing?
Replies: 28
Views: 2372

Re: Will Emerging China Change Things for Domestic Investing?

If you think payment apps are technology you need a reality check, I can give a 1st hand view of their technology, the company I worked for set up manufacturing plants for some of our products and help in their build up of their power plants. In just a few years their own government plants were chu...