Search found 1530 matches

by TheGreyingDuke
Tue Feb 19, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Darn Tough Socks....Boxers???
Replies: 16
Views: 1578

Re: Darn Tough Socks....Boxers???

How do you guys find the best deals on Darn Tough socks? Interested in giving them a try but the stores all seem to charge $20 a pair. For the two weeks before Thanksgiving, the factory sells its seconds and irregulars, quite the scene. So make a visit to the smallest state capital (Montpelier) and...
by TheGreyingDuke
Mon Feb 18, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: VG brokerage, 1099, account for Federal interest on State return, H&R block
Replies: 3
Views: 210

Re: VG brokerage, 1099, account for Federal interest on State return, H&R block

I am grateful for your directions, I need a day off from the process and will get back to with with renewed alacrity,
by TheGreyingDuke
Mon Feb 18, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: VG brokerage, 1099, account for Federal interest on State return, H&R block
Replies: 3
Views: 210

VG brokerage, 1099, account for Federal interest on State return, H&R block

I am sure there is some easy work around but I am flummoxed. This is the first year of an all-in-one Vanguard 1099; all the dividends and interest are reported on one form. In reading the thread on money market dividends I note that 78% of them in the Federal Money Market is from US Treasury instrum...
by TheGreyingDuke
Mon Feb 11, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 148
Views: 22612

Re: Vanguard Prime Money Market yield over 2.5%

Just off the phone with Vanguard, designating an alternative fund for check writing is NOT available with the Advantage accounts, stuck with the Federal MM.
by TheGreyingDuke
Mon Feb 11, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leased car, but no statements for monthly payment
Replies: 2
Views: 356

Re: Leased car, but no statements for monthly payment

Finally got Honda Financial on the phone (efforts to log in with the VIN were not successful). After a bit of sleuthing, I was told that they in fact had the title (good) but that the dealer had yet to submit the necessary paperwork. I was assured that there was no consequence i.e. late payment for ...
by TheGreyingDuke
Mon Feb 11, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Leased car, but no statements for monthly payment
Replies: 2
Views: 356

Leased car, but no statements for monthly payment

I leased a Honda the beginning of January. Got all the paperwork from the dealer, got permanent registration from the state 10 days later but I haven't received an invoice for the second month's payment. I went to Honda Finance and entering my VIN into the system I am told that there is no record of...
by TheGreyingDuke
Sat Feb 09, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 5648

Re: Buying house with son [and his girlfriend]

I would observe that these threads about financially assisting children buy a home seem to always elicit the same range of responses: 1) let them figure it out on their own, have them stand on their own two feet! 2) So much can go wrong, entering into arrangments that mix assets, are in the boundary...
by TheGreyingDuke
Fri Feb 08, 2019 10:11 am
Forum: Personal Investments
Topic: Help with unwanted "retirement"
Replies: 29
Views: 5033

Re: Help with unwanted "retirement"

Also, I'm going to move assets of all my accounts into Schwab. I have these ghost accounts, with HSBC, TDAmeritrade, that I haven't used for years. They have cash and stocks in them (penny stocks that are now worth zero PLUS about $35K in Alphabet) For the penny stocks that have gone to 0, you can ...
by TheGreyingDuke
Wed Feb 06, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7614

Re: If you are old, why bother with rebalancing!!?

So there may be stages that one can work their way into: 1. Don't bother to look. Take QCDs, RMDs, and/or distributions and donate/spend them. (Don't forget distributions can come from all accounts, taxable, tax-advantaged.) 2. Look to see the total balance, but otherwise do #1. 3. Do #2, but if yo...
by TheGreyingDuke
Sun Feb 03, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Would a heat pump or gas furnace help?
Replies: 19
Views: 1578

Re: Would a heat pump or gas furnace help?

Cold climate air source heat pumps will provide heat as low as -13F without using resistance heating, although I would concur with the ideas expressed...

Something is not right that should be made right rather than add yet another complexity to what is already a complex arrangement.
by TheGreyingDuke
Thu Jan 31, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 2807

Re: What was your first Vanguard fund or ETF?

Windsor and Prime Money Market, mid-80's or so
by TheGreyingDuke
Sat Jan 26, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 4560

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

The only time I shut my ThinkPad X230 off is those rare times (tax software, MS Money) when I need to leave the Linux environment and boot into windows. It's been running for three or four years at this point.
by TheGreyingDuke
Thu Jan 24, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 17
Views: 1023

Re: Quicken alternatives?

I am a Mac user. As I have posted before, I love Banktivity (formerly known as IBank), not terribly expensive program. The OP stated that they were using Windows so unless Banktivity has ported to Windows or you are suggesting that he buy a new computer, not actionable! I gave up on Quicken some ye...
by TheGreyingDuke
Wed Jan 16, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2443

Re: End of an era - Boeing 727

Do not fly much these days, but over the years I had the experience of flying in - B707 B727 B737 B747 B757 B767 DC8 - stretch DC9 B717 (from MD) MD80 and MD90 series DC10 L1011 several different Airbus narrow body Talking only of (mostly)Retired models; All of the above except for the L1011; addit...
by TheGreyingDuke
Tue Jan 15, 2019 11:05 pm
Forum: Personal Investments
Topic: CIT savings builder account ?
Replies: 14
Views: 1039

Re: CIT savings builder account ?

I have had an account there for about four years and each time the rate increases I have had to open a new account and transfer the funds. Not a big deal as it all goes easily online; the real hassle is that is where my Vanguard dividends go and I then need to set up a new transfer with the two depo...
by TheGreyingDuke
Tue Jan 15, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2443

Re: End of an era - Boeing 727

shunkman wrote:
Tue Jan 15, 2019 6:33 pm
My very first jet flight was aboard an Eastern Airlines B727. I think I was around 10 years old. A beautiful aircraft indeed.
First post-infant flight was in 1964, flew by myself for a spring break weekend in Florida, Eastern Airlines 727, "The Whisperjet".
by TheGreyingDuke
Tue Jan 15, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 2004

Re: Change my mind - Lease > Buy New Car

onourway wrote:
Tue Jan 15, 2019 11:53 am
As noted, the sales price should be the same whether leasing or buying other than some possible small differences in incentives. Your information is incomplete or incorrect.
That is not true in all instances, sometimes the lease incentives are much better
by TheGreyingDuke
Tue Jan 15, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 2004

Re: Change my mind - Lease > Buy New Car

Get to leasehackr.com for the best advice on leases, but do some reading on the site before posting a query, they are a bit touchy about first-time posters asking "is this a good deal" when no prior homework has been done.
by TheGreyingDuke
Sat Jan 12, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3866

Re: Duffel Bag vs Wheeled Stand Up traveling

Duffle users here, one of us with a Campor model, the other with some British unit. If you are doing any walking with cobbled streets, steps or the like you will really appreciate the duffel.

Plus the volume puts carry-on compliant rollers to shame.
by TheGreyingDuke
Sat Jan 12, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4192

Re: How to buy business class tickets?

In the past few years, I have sought upgrades on trans-continental, trans=Pacific, and Trans-Atlantic flights, usually starting a week or so before the flight. Nothing scientific about my experience but I have always managed to get an upgrade at way less than the original price at the time of my boo...
by TheGreyingDuke
Thu Jan 10, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 675

Re: Newspapers / News Subscriptions

NYTimes- digital, academic discount, $10/month WSJ- digital access for free via a Facebook link (works 75% of the time) Guardian- Free but I donate $10 a month, worth it to get a non-US perspective Economist- download for free from the local library London Review of Books- $35 a year, get it in prin...
by TheGreyingDuke
Thu Jan 10, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: Should I take $70K LTCG at 0% tax rate or transfer $70K from IRA to Roth @ 12%?
Replies: 21
Views: 1597

Re: Should I take $70K LTCG at 0% tax rate or transfer $70K from IRA to Roth @ 12%?

Does making qualified charitable distributions factor, if so that should be accounted for?
by TheGreyingDuke
Thu Jan 10, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard quick to close accounts
Replies: 17
Views: 2437

Re: Vanguard quick to close accounts

I have parental estate accounts at Vanguard that have been empty for 9 years and they remain open
by TheGreyingDuke
Thu Jan 10, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2920

Re: Your Vanguard Page

Since I cannot sweep dividends from my/spouse's account to our Joint account (thinking checking account equivalent) I need to send it to an outside entity (CIT Bank) and then ACH it to the joint account. I log in to make sure that it happened. Even that is "belt and suspenders" as I get an email say...
by TheGreyingDuke
Wed Jan 09, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 2778

Re: Leasing a car

You have to negotiate price and residual value at the front end of the lease because the dealer makes you pay for the anticipated depreciation over the course of the lease. In other words, they can't know how much the lease should cost without knowing how much the car is worth at the beginning and ...
by TheGreyingDuke
Sun Dec 30, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Home Heating Advice
Replies: 72
Views: 5730

Re: Home Heating Advice

I am a volunteer with the county extension office and am involved in helping people install air source heat pumps (ASHP)in their homes. The new cold climate models are able to provide heat as low as -13 degrees F. In my area in Upstate NY over 99% of the hours in the year see temperatures above 4 de...
by TheGreyingDuke
Fri Dec 28, 2018 8:31 am
Forum: Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2962

Re: What to do with 1k check for 9 month old son?

If you go the savings bond route, be sure to put your name on it, that is the way to make it tax-free if used for education. You could do a payable on death to your child and I think you could title it "Daddy or child"
by TheGreyingDuke
Fri Dec 28, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4745

Re: Tips on preventative home maintenance?

May not be relevant in your instance but to keep the thread relevant for future readers...

If you have an on-demand water heater it should be flushed each year with vinegar, the instructions are available at the manufacturer's website.
by TheGreyingDuke
Wed Dec 26, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1872

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

40 years as MSW/LCSW here... You have received good advice as to the benefits of an MSW, one not mentioned is that if your daughter is interested in doing mental health counseling, the MSW is the only masters level degree that will qualify her to be reimbursed by Medicare. The payments are not bad, ...
by TheGreyingDuke
Tue Dec 18, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5991

Re: Is Liquid Plumber / Draino bad for the pipes?

I would urge that in the future you keep the hair from going down the drain with one of those drain screens. You may need to remove what is on top of the drain to install it, works flawlessly.
by TheGreyingDuke
Tue Dec 18, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 3568

Re: Non-budgeters: How do you handle large purchases?

Never have had a budget, always spent what we needed and saved the rest. When it time came to buy a car, for example, we would see what we had on hand and buy a car for the amount. Going on 45 years it has worked so far.
by TheGreyingDuke
Wed Dec 12, 2018 4:13 pm
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2793

Re: My PenFed 5 yr CDs are maturing

My PenFed and Vanguard accounts are linked... the question is can a pull more than $5000 a day to Vanguard, PenFed states that I am limited to $5000 a day to push to Vanguard
by TheGreyingDuke
Wed Dec 12, 2018 3:25 pm
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2793

How to move the $$ from PenFed

I too have several of these maturing over the next few weeks. I am seeking to transfer them to my Vanguard account. PenFed limits transfers to $5000 a day, that will make for a painfully slow process. I went to Vanguard and sought to pull money from PenFed to Vanguard (didn't go through with it beca...
by TheGreyingDuke
Tue Dec 11, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Question on car leasing
Replies: 7
Views: 2123

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: Personal Investments
Topic: Vanguard order fill
Replies: 12
Views: 954

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: 4594

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: 4594

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: 8366

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: 2247

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: 1233

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: 1233

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: 1233

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: 1233

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: 4147

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: 5453

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: 865

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: 356

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: 3301

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: 3289

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: 1044

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...