Search found 1497 matches

by TheGreyingDuke
Tue Dec 11, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Question on car leasing
Replies: 7
Views: 644

Re: Question on car leasing

IT all depends... The problem with leasing is that there are many more variables than when you purchase. I second the idea to hie thee over to leasehackr.com for an education. There are some knowledgeable folks there who won't hesitate to set you straight! There have been some reports of folks leasi...
by TheGreyingDuke
Mon Dec 10, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard order fill
Replies: 12
Views: 877

Re: Vanguard order fill

The cutoff time for orders varies by the fund:

http://socialize.morningstar.com/NewSoc ... 12076.aspx
by TheGreyingDuke
Fri Dec 07, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4414

Re: Buying house for cash, sellers requesting proof of assets

Turns out you can generate a "letter" right from the web page:

My Accounts>Statements>Create Valuation report>Create a valuation report>
by TheGreyingDuke
Fri Dec 07, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4414

Buying house for cash, sellers requesting proof of assets

The title says it all, what sort of documentation would you give? What details to obscure?

Assets are mostly all at Vanguard if that matters.
by TheGreyingDuke
Fri Nov 16, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8180

Re: Finances in NYC

I looked at some LIC places and it's one stop from GCS but then I would need another transfer and then an additional walk. Walking isn't the problem. I'm looking forward to having everything for day to day needs within walking distance. I would just like my focus on work days to be on work and not ...
by TheGreyingDuke
Thu Nov 01, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2058

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

Not unless I was quite literally starving. Anyone who voluntarily walks into a car dealership for 50 bucks needs to have their head examined. So true, the model of buying cars, as has been reported, is ripe for disruption. Tesla is making a go of it (with some serious problems) and it is crazy to c...
by TheGreyingDuke
Tue Oct 30, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1180

Re: Camping in late December-January, SW US

A few suggestions. Be sure to get the car rental quote at a non-airport location. When you pick up a rental car at an airport they usually add all sorts of special fees and taxes. If you are flexible in your plans then also price out the rentals going the other way from Atlanta to LA since there ca...
by TheGreyingDuke
Tue Oct 30, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1180

Re: Camping in late December-January, SW US

You sure? Most car rentals are unlimited miles. The camper you linked gets 100 free miles a day "Your nightly rate comes with 100 free miles per day. If you plan on covering some serious ground, not to worry. Check out our flexible mileage options below!. Updated as of today, the car would be about...
by TheGreyingDuke
Tue Oct 30, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1180

Re: Camping in late December-January, SW US

In this case, the one-way camper rental is about 2/3 the cost of a one-way car rental.
https://www.escapecampervans.com/locations/los-angeles/
by TheGreyingDuke
Tue Oct 30, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1180

Camping in late December-January, SW US

We are considering renting a modest camper in LA and driving across the south, ending in Atlanta. I think that staying at lower elevations we will be able to manage without auxiliary heat in the camper (which is really a converted van without heat). I must stop is Big Bend and wondering if we can ke...
by TheGreyingDuke
Thu Oct 25, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4046

Re: Coffee grinder

About reflux...

Add mentioned, dark roast is lower in acid for a given variety. Also, our had been said that coffee grown at low altitudes is lower in acid than those grown higher up
by TheGreyingDuke
Tue Oct 23, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5413

Re: Car Dealer told us car was Certified, but it isnt

For clarity I think the OP had an oral promise, verbally would include a written promise.
by TheGreyingDuke
Tue Oct 16, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard not allowing reversals of Roth IRA recharacterizations
Replies: 10
Views: 845

Re: notice from Vanguard, can anyone help clarify

so, every year, myself and my husband do the back door Roth for both of us. Today, I just got a notice from Vanguard (where we hold our backdoor roth at) that " as a result of the Tax Cuts and Jobs Act signed into law late last year, investors who convert a traditional IRA or other tax-deferred ret...
by TheGreyingDuke
Fri Oct 12, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Manufacture income, claim electric vehicle credit
Replies: 3
Views: 348

Manufacture income, claim electric vehicle credit

I have a friend who was (mis)lead to believe by the dealership, that she could collect the entire $7500 Federal tax credit for an electric vehicle. Last year her total tax bill was around $4600, more income this year but the lower tax rate will give her about the same tax bill. How to manufacture so...
by TheGreyingDuke
Fri Oct 12, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3239

Re: Home Purchase - Sellers Request Help with Repairs

All these suggestions about getting different bids, reviewing the paperwork are off the mark in my opinion. Does the OP have any idea what a good repair of a septic system would look like? I suspect not. I am going to assume that there is some public entity that will need to approve the plan. Usuall...
by TheGreyingDuke
Fri Oct 12, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3254

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I am taken by the suggestions for a "tune-up", brings me back to the days when plugs, points and rotors (the piece in the old time distributors for all you whippersanppers :happy ) were swapped out every 10,000 miles or so. I think it unlikely that the lack of a tune-up on a 2006 Volvo is going to c...
by TheGreyingDuke
Fri Oct 12, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1017

Re: Electric Lawn Mower Advice

Another satisfied Ego user here, we are a community of 30 homes that share one mower, we have two batteries so one is always charged. We get about 45 minutes to an hour on a charge. We had a battery go bad, they sent us a new one without asking for the old one back, great service. We also have their...
by TheGreyingDuke
Tue Oct 09, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21684

Re: Talk me out of buying a Tesla Model 3

I am a "car guy" (go back to a 1962 Porsche 356), retired with all the assets I need, and also trying to decide about the 3, I will forego the financial aspects and share my thinking. 1) My own inclination is for the Long Range, RWD model. Tesla now tells me that I can get it in "less than 4 weeks"....
by TheGreyingDuke
Tue Sep 25, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 60
Views: 3866

Re: [Small, Portable, and Ductless Air Conditioners]

1) If you go ahead with the minisplit option make sure that you get one of the "cold climate" units. Those that we see in southern Asia are cheap and do not perform under about 30 degrees F to heat. 2) If you have oil heat you should have someone fo an analysis to see if you will save money by relyi...
by TheGreyingDuke
Fri Sep 21, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Housing co-op seeking to accept electronic payments
Replies: 8
Views: 588

Re: Housing co-op seeking to accept electronic payments

Thanks to all who responded.

One wrinkle is that the assessments vary month to month, making some of the suggestions unworkable. I am turning this over to the finance folks for their review
by TheGreyingDuke
Thu Sep 20, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Housing co-op seeking to accept electronic payments
Replies: 8
Views: 588

Housing co-op seeking to accept electronic payments

I live in a 30 unit co-op (co-ops in NY resemble condos but rather than own your home you own shares in the co-op) and we make monthly payments for taxes, maintenance, etc. Right now we need to hand a check to the finance person and we are all motivated to try to set up a system whereby the payment ...
by TheGreyingDuke
Tue Sep 11, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: $25K car
Replies: 39
Views: 3736

Re: $25K car

I agree that the Mazda6 is an attractive choice but only available in the lowest trim option with a stick. ,The Accord is available with the 2.0 Turbo and a 6-speed manual. For those of us who prefer to row our own, that's the end of the story.
by TheGreyingDuke
Wed Aug 29, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7625

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

When I was in my 20's my great Uncle died, my father was executor. Great Uncle was a mercurial individual, frequently changed his will based on some perceived slight. At one time I was written out, at others one of my two other sibs. When he died I was left with the total estate according to the the...
by TheGreyingDuke
Tue Aug 28, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 3005

Re: Minivan for family of 4.

The Pacifia Hybrid has a reputation of not being a good lease, seems it makes more sense to purchase.

You can check here for some discussion:
https://forum.leasehackr.com/t/chrysler ... 2018/47976
by TheGreyingDuke
Sun Aug 26, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 15361

Re: The Fall of Consumer Reports

Like Nisiprius and Dratkinson, I go to the 'databases' portion of my county library system to search for CR reviews. Somewhat off track here, but FWIW more recently I've started to, well I guess you would say "subscribe" to a service called Texture . You pay $10 per month --- yes, another of those ...
by TheGreyingDuke
Wed Aug 22, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: wood flooring recommendations
Replies: 13
Views: 1371

Re: wood flooring recommendations

To my way of thinking, nothing beats the look, durability and cost of unfinished flooring that is sanded and urethaned in place. The pre-finished stuff all have little chamfers at the edge joints, We are in ana rea with several local mills, they do local native hardwoods, the choice is limited (an a...
by TheGreyingDuke
Wed Aug 22, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1858

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

I Can you open the sunroof without having all of the shades retracted (meaning everyone in the car has glass with open sky overhead. My 2009 Sportwagen with a pano roof specifically cautions against doing this. The shade is a fairly flimsy piece of material and the wind buffeting could do it in. On...
by TheGreyingDuke
Fri Aug 17, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 15361

Re: The Fall of Consumer Reports

The singular space that they formerly occupied has been breached by all sorts of online reviews. Nonetheless, there are certain areas where they remain an indispensable part of my buying decisions. While their testing of automobiles may leave out some aspects that are crucial to me, buying a car wit...
by TheGreyingDuke
Tue Aug 07, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3
Replies: 50
Views: 3442

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: 2937

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: 3291

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: 3291

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: 3291

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: 3291

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: 3291

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: 3291

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: 3291

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: 4337

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: 4337

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: 1615

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: 4337

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: 1210

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: 14240

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: 2259

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: 3531

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: 2170

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: 5725

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: 3098

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: 9477

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...