Search found 1398 matches

by TheGreyingDuke
Tue Feb 20, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 35
Views: 1993

Re: Current Vanguard password practices?

You should also set up your account to email you or text you when there is any money movement. This is an added layer of protection, and since most orders don't execute immediately, you'd have time to call and stop any illicit activity. Not foolproof, but what is? I searched and could not find how ...
by TheGreyingDuke
Sun Feb 18, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 25
Views: 2172

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

I've had normal Schwab accounts and never had any issues with the last 10 years overseas. The only small problem I ran into was with Fidelity. They asked for a medallion signature guarantee to set up a standing wire order. You can only get that in the States, it's not available in Europe or anywher...
by TheGreyingDuke
Sat Feb 17, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Questions to ask a siding contractor...what are 'red flags'?
Replies: 8
Views: 469

Re: Questions to ask a siding contractor...what are 'red flags'?

The technology for siding has evolved and depending on what kind of siding you are looking at and the particulars of your house (How well insulated, is there a good inside vapor barrier, what is the sheathing, etc) the details are very important. Hardie products, mentioned above, are a good product ...
by TheGreyingDuke
Thu Feb 15, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 866

Re: Used car - warranty or no?

Last I reviewed these are not actually warranties (which have some specific legal requirements) but extended service contracts. Gives the writer of the policy greater leeway as to what is covered. I did buy one once, my first foray into a semi-luxury auto, 1993 Audi 100. I bought the car from a used...
by TheGreyingDuke
Wed Feb 14, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6627

Re: Honda vs. Toyota: Which has more bang for the buck?

Depends on what sort of "bang" you are looking for.

If you want a stick, then Toyota is off the table, at least in the models you listed.

The new Accord is very sweet, large back seat but no discounts yet
The Civic is well-discounted.

I don't favor SUVs so no comments there.
by TheGreyingDuke
Wed Feb 14, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14448

Re: For BHs who actually like cars - [what car do you drive every day?]

2009 Jetta Sportwagen here, 6 speed manual AND the 2.0 litre turbo engine from the GTI, a rare combination imported in very small numbers. It has been anything but reliable but other than a new Sportwagen, there is nothing out there that combines its capabilities on the road, economy with fuel (road...
by TheGreyingDuke
Thu Feb 08, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Costco CC extended warranty, do I need to keep the card?
Replies: 4
Views: 494

Re: Costco CC extended warranty, do I need to keep the card?

Huey:

Thanks for the information and link, I was unable to navigate myself to it.

TGD
by TheGreyingDuke
Wed Feb 07, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Costco CC extended warranty, do I need to keep the card?
Replies: 4
Views: 494

Costco CC extended warranty, do I need to keep the card?

I am looking to buy a computer from Costco. They double the 1-year warranty and if I buy it with by Costco Citi card they double that 2 years to 4 years. The thing is, we have moved some distance from the nearest Costco and it no longer makes sense to maintain the membership (nor the credit card). I...
by TheGreyingDuke
Tue Jan 23, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Jeans without strong chemical odor
Replies: 36
Views: 1862

Re: Jeans without strong chemical odor

https://theunbrandedbrand.com/

Raw denim, selvedge, great quality
by TheGreyingDuke
Fri Jan 12, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Vs CIT- Seeking advice
Replies: 9
Views: 743

Re: Ally Vs CIT- Seeking advice

CIT does not automatically adjust your rate as their rate increases. If you open an account and receive 1.05% they keep you at that even as they raise the rates for others. Not sure if that's true. I opened my account when it was 1.35% late last year, clicked on my account info just now, it says it...
by TheGreyingDuke
Fri Jan 12, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Ally Vs CIT- Seeking advice
Replies: 9
Views: 743

Re: Ally Vs CIT- Seeking advice

CIT does not automatically adjust your rate as their rate increases. If you open an account and receive 1.05% they keep you at that even as they raise the rates for others.
by TheGreyingDuke
Wed Jan 10, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can't move online $$ from Trust to JTROS at VG
Replies: 13
Views: 550

Re: Can't move online $$ from Trust to JTROS at VG

Absurd as it sounds, you could do the automatic transfers of dividends and capital gains from the trusts at Vanguard to your joint bank account, then link the joint bank account to the joint Vanguard account. That would let you do automatic transfers from the trust accounts to the joint bank accoun...
by TheGreyingDuke
Wed Jan 10, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Can't move online $$ from Trust to JTROS at VG
Replies: 13
Views: 550

Re: Can't move online $$ from Trust to JTROS at VG

So, is your external bank account a joint account? If so, why would Vanguard transfer money from an individual trust to a joint external account but not a joint Vanguard account? You echo my own thoughts and protestations to my "Flagship" rep. The external account is indeed a joint account. And in ...
by TheGreyingDuke
Wed Jan 10, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Can't move online $$ from Trust to JTROS at VG
Replies: 13
Views: 550

Re: Can't move online $$ from Trust to JTROS at VG

HueyLD wrote:
Wed Jan 10, 2018 10:48 am
Do you have a joint trust?
There are two separate trusts, we are both trustees of each trust, not sure if this answers your question.
by TheGreyingDuke
Wed Jan 10, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Can't move online $$ from Trust to JTROS at VG
Replies: 13
Views: 550

Can't move online $$ from Trust to JTROS at VG

At Vanguard have three accounts... 1) Joint account 2) Spouse # 1 trust 3) Spouse #2 trust As we are retired, I spend the dividends and capital gains from the trusts, want them directed to Joint account. Just off the phone with Vanguard rep, he states that because of the different registration such ...
by TheGreyingDuke
Sun Jan 07, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 4157

Re: Downsizing to one car in retirement...

As snowbirds, we have just one car here in Arizona, but 2 up north. Sure, we manage with one, but it is a bit of a pain sometimes. Like Monday we have conflicting appointments. 2 cars is handier. However, we accept that this many vehicles is not Bogleheadedness. Fortunately our tastes don't run to ...
by TheGreyingDuke
Tue Jan 02, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 8190

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

If you're going to try to spent part of a year in NY while keeping your TX domicile, I would not purchase a property in NY. Stick with renting, and double and triple check the domicile laws since NY is quite greedy and overreaching when it comes to trying to get tax revenues. You will start off in ...
by TheGreyingDuke
Tue Jan 02, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 8190

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

I believe the situation with AirBnB in NY is that if the owner is renting a room in an apartment which s/he also lives in is OK; what is not is to rent an entire apartment without the owner/leaseholder present.
by TheGreyingDuke
Sat Dec 23, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 963041

Re: What Movie Have You Recently Watched?

Wormwood-Netflix

6 parts on the life of Frank Olson, a scientist working for the US military on germ warfare in the 1950's who was slipped LSD
10 days later he died falling out of a 12th story window

Gerry Ford offered an apology in 1975 but the circumstances of his death remain unacknowledged
by TheGreyingDuke
Sat Dec 23, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13593

Re: Will you take this Fidelity bait ?

If you have Vanguard Admiral mutual funds and this is a transfer from a VG taxable account, you may not be able hold Admiral or other VG mutual funds in a Fidelity taxable account. So you have to contend with capital gains in converting the funds which could far outstrip any $5K gain from Fidelity ...
by TheGreyingDuke
Thu Dec 21, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 30888

Re: The Wall Street Journal to close Google loophole entirely

As of this morning, the Facebook link to access WSJ articles seems to be "out of order".
by TheGreyingDuke
Tue Dec 19, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: When employee prices go away, Chevy Bolt, 1/2/2018
Replies: 5
Views: 918

Re: When employee prices go away, Chevy Bolt, 1/2/2018

Maybe gm will come up with something else. January I doubt many will be buying electric due to having to wait a year for rebate, maybe dealer more willing to negotiate with more bolts on lot. Actually, since it is not a rebate but an income tax credit, you can eliminate other means of withholding a...
by TheGreyingDuke
Tue Dec 19, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: When employee prices go away, Chevy Bolt, 1/2/2018
Replies: 5
Views: 918

Re: When employee prices go away, Chevy Bolt, 1/2/2018

Yet the employee discount offered to the consumer is more like 7-8%; are you suggesting that additional discounts are made available to the dealer and are only offered to the consumer with negotiation. If so that would comport with my experience in negotiating so far, offers off of MSRP are in the 1...
by TheGreyingDuke
Tue Dec 19, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: When employee prices go away, Chevy Bolt, 1/2/2018
Replies: 5
Views: 918

When employee prices go away, Chevy Bolt, 1/2/2018

I am motivated to lease a Bolt, right now they advertise "Employee Prices", expiring on 1/2/2018.

It is really inconvenient to do a transaction in these next two weeks, any thoughts on what might happen once the "Tripling Witching" (end of month, end of quarter, end of year) passes??
by TheGreyingDuke
Mon Dec 18, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing childhood home from my parents (for us to live in)
Replies: 18
Views: 2530

Re: Purchasing childhood home from my parents (for us to live in)

I am a bit jaundiced about home inspections. No one can be expert in all facets of home construction (foundation, HVAC, electrical, plumbing...) and the inspector can't see thru walls or predict the future. I usually hear people groaning about having to replace a light fixture over a mirror or repl...
by TheGreyingDuke
Mon Dec 18, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11203

Re: Any Instant Pot users here?

My wife's been eyeing one but I'm not convinced it's the answer she's looking for. I do the majority of the cooking and we've already got a pressure cooker (love it), rice cooker, yogurt maker, and a crock pot so I don't see where a Instant Pot would fit in. My experience is that a tool/appliance/w...
by TheGreyingDuke
Sun Dec 17, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Medicare Premiums Quarterly While Suspending SS
Replies: 16
Views: 884

Re: Paying Medicare Premiums Quarterly While Suspending SS

I enrolled in Medicare 5 years ago, at the time monthly premiums were billed. Fast forward a few years and my wife enrolls and they are charging her by the quarter.

In order to simplify things, I send both in quarterly (using rewards credit card) and it has never been a problem.
by TheGreyingDuke
Fri Dec 15, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8520

Re: New Honda CRV is MotorTrend's SUV of the year

Yeah, I get it that snow tires are, well, much better in the snow. But in the real world, most of us buy all wheel drive vehicles for normal winter city/highway driving. That will be better than a vehicle without AWD. But most of us aren't gonna futz with snowtires too. Not sure what the big "futz"...
by TheGreyingDuke
Wed Dec 13, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Voice verification vulnerabilities
Replies: 0
Views: 213

Voice verification vulnerabilities

https://www.marketwatch.com/video/secto ... ow_video_2

Along with a step you can take to minimize your risk
by TheGreyingDuke
Mon Dec 11, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7083

Re: Snow Tires? Worth it?

Random question for the group. I currently have 4 wheel drive Honda CRV with all season tires. However, we just moved to a cold weather location with longer winters and I have a longer commute now than before. My questions: -Does anyone recommend snow tires, even if a 4 wheel drive care? I have a w...
by TheGreyingDuke
Sat Dec 09, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 5555

Re: I am buying a car: Most/Least Reliable Makes?

Consumer Reports seems biased. I trust Bogleheads more! :beer CR buys all the cars the actually test, puts then them through a series of objective and subjective tests in the hands of people who do this for a living and are not beholden to the manufacturers via advertising dollars. They are not the...
by TheGreyingDuke
Fri Dec 08, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Acct>Vanguard JTROS, can't automate div xfr
Replies: 0
Views: 127

Vanguard Trust Acct>Vanguard JTROS, can't automate div xfr

For years I have had my dividends and cap gains from two separate Trust accounts (His and hers, Vanguard) automatically sent to my credit union (JTROS) checking account. Life moves on and now I would like to have the same transferred to our Vanguard Advantage (JTROS) account, I am told that this can...
by TheGreyingDuke
Fri Dec 08, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 9232

Re: Why is Vanguard switching all accounts to brokerage accounts?

I have also (mostly) welcomed the change, the only glitch was that I had to re-set some of my preferences (re-invest, automatic transfers to checking).

One potential advantage is, at least as I understand it, the separate mutual fund accounts do not get protected under SIPC https://www.sipc.org/
by TheGreyingDuke
Fri Dec 08, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7616

Re: Lowering My Grocery Bill

Interesting comments (I read the WHOLE thing) and thought to chime in with our experiences. Retired couple, Central NY, endeavor to eat out once a week but usually don't manage to. No Costco here so have done a trial at BJ's, not the same but still money saving for organic peanut butter, high qualit...
by TheGreyingDuke
Thu Dec 07, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 4048

Re: First post from this retiree with questions - my daughter sent me here!

I am wondering why it has not been suggested that OP do some TIRA-Roth conversions. I can see one concern would be the Social Security "cliff", not an area that I have paid much attention to and not sure if disability social security is affected in the same way. Otherwise might not such a move make ...
by TheGreyingDuke
Tue Dec 05, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 9877

Re: 2018 Subaru Outback

Don't most German cars use oil? Never owned one, but talking to people who have, it seems to be the norm. Owned about 18 German brand cars since 1975, with the exception of a couple of the 2002s, none of them burned oil. The current ride, 2009 Sportwagen with the 2.0 TFSI motor, goes 10,000 miles b...
by TheGreyingDuke
Tue Dec 05, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: What does Medicare cover for oversea retirees?
Replies: 8
Views: 1181

Re: What does Medicare cover for oversea retirees?

The F high deductible covers up to $50k of foreign emergency care last I looked. I think that also applies to the regular F, which is going away.
by TheGreyingDuke
Tue Dec 05, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 47
Views: 5662

Re: should I use vanguard's 2 step verification sign in

dcabler wrote:
Mon Dec 04, 2017 12:54 pm
Been using the 2-step verification for a couple of months now. Only issue is that I often forget to have my phone with me when I log in. :D
I am not sure if this compromises security, but I use my Google Voice number for the verification code and get it as an email as well as on my phone.
by TheGreyingDuke
Fri Dec 01, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2824

Re: Have you moved to ETF's? Why or why not?

I have Vanguard Total Stock Market Admiral Fund that I throw small dollars at. I wanted some small cap so I buy VB ETF's @ .06 ER when I have larger cash. I'll switch to mutual fund version when I get to $10k & throw small dollars there too. I like ETF's for this reason but prefer mutual funds. Eve...
by TheGreyingDuke
Sun Nov 26, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18336

Re: Chromebooks- What is the lure?

I'm on the verge of ordering a Chromebook for my spouse. A requirement, however, is the ability to Skype. I find information claiming that Skype can be made to run on a Chromebook, but it sounds awkward and unreliable. Can anyone comment on this? There also seems to be a Google equivalent of Skype....
by TheGreyingDuke
Sun Nov 19, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1488

Re: Southeast Asia trip - Cash handling

I was recently in China. Never used cash for anything. Everyone else was using various forms of paying with a cell phone, so they didn't use cash either. You know, like Apple Pay and the home-grown equivalents. So do SEA countries use cell phones for payments? Indeed, I am just back from a quick 2-...
by TheGreyingDuke
Thu Nov 16, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1391

Re: ASUS Student Chromebook - thoughts?

Just a side note for anybody shopping. I followed the above link to Costco and that model does look good. My ebates app popped up and told me that the same model was available for $47 less at jet.com with free shipping and a few percent rebate if you have ebates so a few more dollars saved. So just...
by TheGreyingDuke
Wed Nov 15, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1391

Re: ASUS Student Chromebook - thoughts?

There is a web-based Skype that works fine on Chrome OS.

And for the real adventuresome, you can always install Linux on a Chromebook.
by TheGreyingDuke
Wed Nov 15, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1391

Re: ASUS Student Chromebook - thoughts?

What they WONT do is the following: Play DVDs, even if you get an external DVD player. If you Dad has a DVD collection he wants to view he needs a regular PC or Mac laptop. The Chrome software doesn't support DVD playback so you can't work around the lack of drive by just getting an external drive....
by TheGreyingDuke
Wed Nov 15, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: SS application at 70, 1st of the month birthdate
Replies: 2
Views: 530

SS application at 70, 1st of the month birthdate

I have searched but there is enough somewhat conflicting information that I seek clarification, sorry for the redundancy. I turn 70 on February 1 and want to maximize my monthly benefit. Some past posts seem to indicate that I should apply to receive benefits as of January given my first of the Febr...
by TheGreyingDuke
Wed Nov 15, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 2167

Re: Chromebook/Similar for Elderly Dad

I have been a happy Chromebook user for some years, older Acer model. Keyboard and screen don't match up to my Thinkpad but it works fine for almost all of my activities (exceptions are taxes and some spreadsheets). One big disqualifier, likely not an issue for the OP. I am today just back from a tw...
by TheGreyingDuke
Sun Nov 12, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 16287

Re: Why pay cash for a car?

If the rate is low enough to be attractive, it is being subsidized by the auto maker. If you go all cash, you can get some of that subsidy in the form of a price reduction.
by TheGreyingDuke
Sat Nov 11, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 74
Views: 8772

Re: Personal letters to the sellers of your house can work!!!

Put me down as one who is skeptical about the value of most so-called home inspections. There may be exceptions but... One example, my son and daughter-in-law were buying a house and we were all there during the house inspection. I followed the inspectors around, they didn't do much more than flip s...
by TheGreyingDuke
Wed Nov 08, 2017 2:09 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3303

Re: Business Laptop Suggestions Request

I am curious why not a Mac? I am typing this on a Lenova Yoga 2 Pro which I would not recommend due to unresolved flickering issues and pre-installed malware ("superfish"). We have two of these machines, bought around the same time, and we got them because they have high resolution and touch screen...
by TheGreyingDuke
Tue Nov 07, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 8702

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

Pssst. "Apple, table, penny." How many people know what I am talking about? Zen question: is it really cheating to know the answer to a memory test by heart? You're not really supposed to remember the three items after you leave the office. And you're not supposed to teach everyone the only three t...