Search found 108 matches

by dpm321
Mon Jul 15, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust distritutions
Replies: 6
Views: 515

Re: Irrevocable trust distritutions

Are all of these people listed as benificiaries? The trust should specify what is to be distributed; generally all interest and dividends. The distributions should be made with a K-1 for each beneficiary and each of the benificiaries is responsible for paying taxes on the amount they receive. Also, ...
by dpm321
Thu Jun 27, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3055

Re: Any insurance beating USAA?

I spent 24 years in the Air Force and tried to go with USAA every year. Everybody I knew said they got the best rates there. For us Liberty Mutual has always beat USAA in price and the service, including defense in a lawsuit, has been excellent.
by dpm321
Wed Jun 26, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Fuel type for 2 month car storage
Replies: 36
Views: 2141

Re: Fuel type for 2 month car storage

Another vote for doing nothing. We store a car over winter (from mid-November until early May) and all we do is top it off and add some "dry gas." It's been 7 years with no problems.
by dpm321
Mon Jun 24, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property, and trying to calculate the cost-basis
Replies: 3
Views: 471

Re: Selling a rental property, and trying to calculate the cost-basis

The bathroom upgrade is an improvement. The AC work is a repair and not part of the cost basis.
by dpm321
Wed Jun 12, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: [Forget] The Seaweed! We're Headed For Cancun!!
Replies: 17
Views: 1547

Re: [Forget] The Seaweed! We're Headed For Cancun!!

There really isn't anything "nearby." If you want to travel a bit there are several Mayan sites within driving distance (e.g. Tulum and Chichen Itza). Cancun isn't really Mexico, so if you want to experience a bit of that you can take the bus into town. You can eat there for about 25% or less of wha...
by dpm321
Mon Jun 10, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1123

Re: What to read prior to visiting ancient sites in Athens?

We spent a couple of days in Athens 3 years ago. The Rick Steves guide worked out well. Use his walks as rough guides then wander a bit.
by dpm321
Tue May 28, 2019 6:00 pm
Forum: Personal Investments
Topic: Has anyone done well with value investing?
Replies: 11
Views: 1379

Re: Has anyone done well with value investing?

Value investing has worked great for Warren Buffett :happy
by dpm321
Mon May 27, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3256

Re: London / UK Summer Trip

Rainier wrote:
Sun May 26, 2019 5:29 am

I'm open to a car, as long as it does not involve central London driving (I have driven quite a bit on the right hand side so that's not the issue).
While driving in England it's advisable to stay on the left... :happy
by dpm321
Sat May 25, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3256

Re: London / UK Summer Trip

We just returned from a week in the Cotswolds. The area is a collection of small and very picturesque towns. Of them all, we liked Chipping Campden the best and stayed there. We loved the Cotswold House Hotel and Spa. The bad news is that it is not at all practical to get around there without a car....
by dpm321
Wed Apr 24, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Collison Damage Waiver for Car Rental in Italy
Replies: 17
Views: 961

Re: Collison Damage Waiver for Car Rental in Italy

We did exactly what you want to do in exactly the same place. Three times in a week the car received minor damage while parked. Even though I was covered by my credit card, it was still a hassle when I dropped the car off. If I had to do it again in Italy I would just take the waiver. My info is a l...
by dpm321
Sun Apr 21, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2347

Re: River cruise, Avignon to Lyon, France

Be very careful when booking online. There are a number of sites that try to look like "official" rail line sites, but are actually travel agencies or aggregators. On a recent train trip from Barcelona to Paris, these look-alike sites were charging around $250 for a second class ticket. I bought 1st...
by dpm321
Sun Apr 21, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2347

Re: River cruise, Avignon to Lyon, France

You know, I use cruise critic all the time but hadn't even thought about using it after I was booked. Thanks for that! You should also get on your cruise's Rollcall on CC. This will allow you to "meet" others on your cruise and discuss plans and ideas. It's a great way to find others to join any pr...
by dpm321
Thu Apr 11, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3968

Re: Should you use a real estate agent when buying a house? What are your experiences?

Yes, get your own agent. They will then represent YOU, not the seller or the transaction (dual agency). Don’t use the listing agent as yours, too. The seller still pays 6% or so, and it all goes to listing agent in this case. In some markets, the agent may be willing to credit you 1 or 2 percent at...
by dpm321
Wed Mar 27, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Buy or lease new car
Replies: 24
Views: 2468

Re: Buy or lease new car

My wife is on her third BMW 5. She told the salesman she only wanted to pay $528 (since it's a 528i) per month total including taxes with zero down. The same salesman calls her 4 months before her lease ends and tells her to exchange for another 528i for $528/month. She calls the same salesman and ...
by dpm321
Wed Mar 27, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 831

Re: Buying Concert Tickets

In my (49+ years) experience, Ticketmaster is the most reliable source. I hold my nose as I type this since they certainly have their issues. Generally, your best bet is to qualify for early purchase through a credit card or fan club. It won't get you better pricing but it will get you better seats....
by dpm321
Mon Mar 25, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Iceland with kids
Replies: 17
Views: 2145

Re: Planning a trip to Iceland with kids

Any tips for us traveling to Iceland late April this year. Would we have a good change to view Northern Lights? How about Weather in late April? Thanks in advance. Not in late April. It's possible in early to mid April. It will still be somewhat chilly. Rain, clouds at times can be windy. Look at t...
by dpm321
Mon Mar 25, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Spending summers at vacation home in New Hampshire - tax question
Replies: 5
Views: 815

Re: Spending summers at vacation home in New Hampshire - tax question

The residence you declare and that considered your residence by the tax authorities may not agree. And switching residencies seasonally will be a huge red flag. I lived in MA for many years until recently when we moved to NH full time. We also kept a lake house (Newfound) in NH for many years. To qu...
by dpm321
Mon Mar 25, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: What's a good external hard drive?
Replies: 15
Views: 916

Re: What's a good external hard drive?

If some are especially important to you, I'd also recommend some kind of on line storage for those as well. (Just a general comment, not directed to the OP) With the ease of taking photos, I wonder what will happen to all of the photos? I"m guessing most won't ever be viewed again since you can't s...
by dpm321
Thu Mar 21, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Home with black mold
Replies: 22
Views: 2582

Re: Home with black mold

Mold almost killed me too. I'm now on medication permanently to keep my reaction under control and I'm not currently exposed to any mold. You may or may not have a reaction, but no house is worth what happens to your body if you are allergic. You won't know whether or not you are until it happens.
by dpm321
Tue Mar 19, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Universal Technical Institute experiences?
Replies: 9
Views: 586

Re: Universal Technical Institute experiences?

One of our grandsons went to UTI in Sacramento. He (and his father) were very happy with the education. Like another poster said, what you get out of it is dependent on how hard you apply yourself. He finished one of the basic programs and was then given a free ride on another program to learn diese...
by dpm321
Tue Mar 19, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 86
Views: 9763

Re: Paying cash for a vehicle

Good thing for the American economy that the average American doesn't think like you :happy ! Almost everyone focuses on the monthly payments and that's what sellers count on.
by dpm321
Tue Mar 19, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2276

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

Wayyyyyy back, before the Internet became the pipe for everything, the primary purpose for having a landline in addition to your cell was to ensure service. The landlines were all copper and service would continue in the event of power loss, since the lines were centrally powered. If you switch out ...
by dpm321
Mon Mar 18, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Buy a previous loaner car
Replies: 20
Views: 1605

Re: Buy a previous loaner car

Something I would consider with buying a BMW loaner, is if it requires premium fuel, how many times do you think people filled up with regular before returning the car? I'd think about 100% of the time. $4k or $5k off new price? Is that off MSRP or off what you feel is the lowest price a new car ca...
by dpm321
Mon Mar 18, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Progressive Insurance -- Minor Accident
Replies: 22
Views: 1484

Re: Progressive Insurance -- Minor Accident

Do you have uninsured motorist coverage? Perhaps most Progressive customers don't take that coverage and that's why the person on the phone made the comment they did.
by dpm321
Sat Mar 16, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a second home questions/advice
Replies: 13
Views: 1144

Re: purchasing a second home questions/advice

+1 with Gill. Peak season renting can be a real pain. You are totally at the mercy of the owner/market. You are living with other people's stuff and can have problems getting issues resolved. If you can afford it, you're much better off with your own place. In that case you don't even need a suitcas...
by dpm321
Sun Mar 03, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Replacement vinyl windows
Replies: 14
Views: 1130

Re: Replacement vinyl windows

Usually, at least in my experience, the big box stores will special order "higher quality" SKUs from manufacturers they carry.
by dpm321
Sun Mar 03, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Safest way to pay tax due
Replies: 17
Views: 1317

Re: Safest way to pay tax due

I send them a check...let them work a little for the money.
by dpm321
Sat Mar 02, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Do most financial advisors push the lump sum option?
Replies: 42
Views: 3102

Re: Do most financial advisors push the lump sum option?

Grt2bOutdoors wrote:
Thu Feb 28, 2019 8:31 pm
Don’t be so sure, unless they explicitly provide you with proof they are not paid referral fees for directing traffic to fund complexes/platforms.
Curious...how does one prove a negative?
by dpm321
Thu Feb 28, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Spain Vacation
Replies: 21
Views: 1383

Re: Spain Vacation

Can you give us a few hints on what you are looking for? Spain has a huge variety of options.
by dpm321
Sun Feb 24, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Another MBA question: Military transition
Replies: 7
Views: 425

Re: Another MBA question: Military transition

I retired as an O-6 from the Air Force in 1996, so my experience may not be currently relevant, but FWIW... When I was job hunting (as an electrical engineer and highly experienced program manager/director), I found the biggest problem was getting non-defense firms to be able to equate military gain...
by dpm321
Sat Feb 16, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: NYC diamond district - pre-owned diamond jewelry, buying tips?
Replies: 24
Views: 1878

Re: NYC diamond district - pre-owned diamond jewelry, buying tips?

Don't buy it from the diamond district. It's actually overpriced. You can look online blue nile and james allen. They are "overpriced" anywhere you buy them. I was introduced to a diamond dealer in Antwerp when I was looking for a specific stone. He told me that essentially the price doubles every ...
by dpm321
Sat Feb 16, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Jet Blue - missing planes?
Replies: 19
Views: 2287

Re: Jet Blue - missing planes?

Jet Blue schedules aggressively so it doesn't take much going wrong to screw things up really well. Thus the reason for the worst on-time record in the business (at least for last year). That said, I still find it the best way to travel between New England and Florida; best leg room and great blue c...
by dpm321
Tue Feb 12, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: House Sale Question: Financing Contingency
Replies: 12
Views: 884

Re: House Sale Question: Financing Contingency

The appraisal becomes an issue when the lender is concerned about percentage financed. That isn't likely to be an issue here because of the small percentage being financed. There is never an obligation for a seller to lower their price due to a low appraisal. Obviously there is the desire to sell th...
by dpm321
Thu Jan 24, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Cash for Primary Residence?
Replies: 44
Views: 4606

Re: Pay Cash for Primary Residence?

One other potential plus for buying with cash is that you can sometimes get a better price on the house with a cash offer. Especially if you can also offer a quick close.
by dpm321
Fri Jan 18, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Sold Treasuries to buy flexible, rising rate, direct 3-year CD
Replies: 22
Views: 2448

Re: Sold Treasuries to buy flexible, rising rate, direct 3-year CD

I mainly want to share my analysis and learnings in recently selling a bunch of Treasuries to buy a really good direct CD, but this CD deal is only available for another couple of days, so I wanted to start by making sure anyone who is interested and eligible knows about the deal. Quick summary: In...
by dpm321
Wed Jan 16, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2502

Re: End of an era - Boeing 727

catdude wrote:
Tue Jan 15, 2019 8:28 pm
The 747 was also recently retired, wasn't it? Another classic Boeing jet. But the 737 keeps chugging along, it'll still be around decades from now.
747 is still used around the world, though mostly as freighters.
by dpm321
Wed Jan 09, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1254

Re: Weekend in “west” ... recommendations

carolinaman wrote:
Wed Jan 09, 2019 8:18 am
johan_s wrote:
Wed Jan 09, 2019 7:53 am
Rupert wrote:
Wed Jan 09, 2019 7:52 am
A resort in Santa Fe
+1
+2. Santa Fe is a very interesting city with some great restaurants.
+4. Take look at Bishop's Lodge.
by dpm321
Wed Jan 02, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Does Buyer ever Lose on eBay?
Replies: 36
Views: 2288

Re: Does Buyer ever Lose on eBay?

If you use PayPal for payment you can be pretty confident as a buyer. As a seller PayPal is risky since an unscrupulous buyer (I've had 3) will be backed by PayPal over the seller.
by dpm321
Fri Dec 21, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 87
Views: 7348

Re: Condor moved me from Business to Economy. Recourse?

Take the flight and the refund. It's only 6 hours and $400 each is a bargain.
by dpm321
Wed Dec 19, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Quebec City Winter Carnival with Kids? Or something else?
Replies: 7
Views: 581

Re: Quebec City Winter Carnival with Kids? Or something else?

Don't forget to bring certified copies of birth certificates for the kids.
by dpm321
Thu Dec 13, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax
Replies: 16
Views: 1675

Re: Which Turbotax

You need Premiere for schedule E. Can't speak for the online versions but the CD/Download versions (Deluxe, Premiere, Home and Office) all support the same forms. If they support the same forms, why are there different versions? Because people are easily convinced to buy versions they don't need, d...
by dpm321
Wed Dec 12, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 28
Views: 1530

Re: Where does one purchase correctly-sized petite trousers?

Brooks Brothers...you won't have to let the wool go.
by dpm321
Tue Dec 11, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax
Replies: 16
Views: 1675

Which Turbotax

I'm trying to decide if I need the deluxe or premier version. My financial situation is pretty typical, retired with most of our stock/fund accounts with Fidelity and no state income tax. We do have a few rental properties but nothing else. It isn't obvious to me, based on Intuit's description, whic...
by dpm321
Wed Dec 05, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 2141

Re: Upgrade Canon 60D to FF or new iPhone?

I've been a photographer (hobby) for over 45 years and since 1978 have shot Canon. 2 years ago I switched to Fuji and have since shelved my Canon DSLR and lenses. The Fuji is compact, highly flexible and provides excellent image quality. Take a look as another (IMHO Bette) choice.
by dpm321
Sun Dec 02, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 842

Re: Transfer iphone photos to Windows 10 PC

Many people have problems with Windows 10 "freezing" and having programs not responding or responding very slowly. You may need to do a clean reinstall to resolve the issues you seem to be having.
by dpm321
Sun Nov 25, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Purchasing a Bathroom Vanity
Replies: 6
Views: 665

Re: Purchasing a Bathroom Vanity

We've done a number of kitchen and bath remodels and have used Lowes for vanities several times. We bought Kraftmaid vanities (plywood boxes) and have been very happy. They are reasonably priced. We found the best deals for countertops were from local granite suppliers rather than Lowes or HD. Depen...
by dpm321
Sun Nov 25, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Planning a trip to Iceland with kids
Replies: 17
Views: 2145

Re: Planning a trip to Iceland with kids

Personally my SO and I did not enjoy Iceland. I would only recommend it to very adventuresome and outdoorsy type kids. In the summer when we went, it was overcast and 40 degrees the entire time. It was unbelievably depressing weather, hugely foggy and cold. The prices on everything were astronomica...
by dpm321
Fri Sep 21, 2018 5:17 pm
Forum: Personal Investments
Topic: CD Ladder
Replies: 8
Views: 1793

Re: CD Ladder

The CDs do not have to be in 1 year durations. They can be in any duration (6 months, 12 months, 18 months, etc.). They just need to be sequential.
by dpm321
Fri Sep 21, 2018 5:14 pm
Forum: Personal Investments
Topic: Buying brokerage CD with Fidelity
Replies: 7
Views: 924

Re: Buying brokerage CD with Fidelity

When you go into the tables, selectable by duration of CDs, you will get a sortable table usually in order of yield. When you select a CD from the table, a new page will open up providing details wrt FDIC, call ability, etc. It's very simple to use. I personally have never seen a CD offered in the t...
by dpm321
Wed Sep 19, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 8078

Re: Leasing Cars in Retirement

So why do you think car dealers love leases? Cause they want to give you best financial deal? No. They want to maximize their margin off you and see you again in three years to rinse and repeat. And if you think negotiating a car purchase tricky try negotiating a lease. And if want to limit down pa...