Search found 5131 matches

by inbox788
Fri Jun 22, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 43
Views: 3185

Re: iPad Pro 12.9": Replacement for Laptop?

I ended up with a 12" MacBook. It's frustrating when working in multiple word docs or spreadsheets but it gets the job done. I've also moved away from Excel to LibreOffice because I don't use spreadsheets all that often now. It works ok in Windows and I'm about to see how similar it will be in MacO...
by inbox788
Thu Jun 21, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 18
Views: 911

Re: Is a Donor Advised Fund worth it? (Strategy)

Yes - the DAF added fees DO have a drag. However, depending on the mx and nature of holding yourself - there will be some increased taxes. Another benefit to holdings in a DAF is "asset protection", since the funds are not yours any more - they cannot be taken by judgments, creditors, ex-spouses, j...
by inbox788
Thu Jun 21, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 18
Views: 911

Re: Is a Donor Advised Fund worth it? (Strategy)

1.Do I Just put money in a total stock market index fund in a non tax protected account? Benefit: No addition .6% taken annually. Eventually I will donate portions of the fund to a 503 to get the tax advantages. Understand some dividends will still get taxed, and that the fund isn't balanced, which...
by inbox788
Wed Jun 20, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 797

Re: iPad/iOS - feature or bug?

OP, does it happen on this website? Or is it only on those infinity pages where things keep loading as you scroll? Might be related to issue discussed in message below. Might be a site specific issue that depends on web site implementation; the worst kind to fix. Recent change in WebKit: WebKit wrot...
by inbox788
Wed Jun 20, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 797

Re: iPad/iOS - feature or bug?

It might be the ads that are changing. I'd call it a bug! Will have to look more into it. I've been using Safari more than Chrome these days because of the ability to turn off all autoplay videos with better success. Hopefully they help get this nonsense out of control. FWIW, if I turn off the Wifi ...
by inbox788
Tue Jun 19, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1606

Re: One handed Android phone?

It looked good to me also, except it does not have optical image stabilization, which I believe is a good feature to have. You're asking a lot to squeeze into a smaller and smaller size. [And you're looking for long battery life, standby and talk times? It's much easier to fit lens modules, batteri...
by inbox788
Mon Jun 18, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 28
Views: 2074

Re: Air conditioner compressor replacement cost

The AC was bought by the previous owner. I thought a AC unit would last longer than 6 years too. Maybe just bad luck on my part. Is Lennox still considered a good brand? Don't know, but I thought it was one of the higher end lines (installed in fancier new houses). Same manufacturer may have severa...
by inbox788
Mon Jun 18, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 28
Views: 2074

Re: Air conditioner compressor replacement cost

One of my AC unit is not working. A repairman came and told me that the AC compressor needs to be replaced. Also need to get new refrigerant/filter as part of the job. My current AC unit is a 5-ton Lennox, bought in 2012. And the warranty is 5 years. :oops: I was quoted a total cost of $2300 includ...
by inbox788
Mon Jun 18, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4048

Re: Do you cancel old credit cards?

I keep my oldest no-fee card, because its 25+ year age helps my credit rating. I kept my oldest card for 10 years after not using it, but recently closed the account and so far (since around 6 months ago), no significant change in my credit score AFAIK. Don't plan on needing my credit score in the ...
by inbox788
Mon Jun 18, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1606

Re: One handed Android phone?

Apple managed to squeeze a 5.5" display into the X, which isn't much larger than the 8. I'm hoping they'll squeeze a 4.5 or 4.7" (or even a 5") display into the SE case (or not much bigger). They will not. Multiple reliable sources have confirmed that the iPhone SE replacement that was expected thi...
by inbox788
Mon Jun 18, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1606

Re: One handed Android phone?

How do you find 4.7 size for one hand use? Looks like there is a Samsung phone called Galaxy A3, have you looked into it? I've used the 4.7 iPhones and had no problems with one hand use, with occasional hand gymnastics to reach a button. And I like the bigger screens when using phones, but for me i...
by inbox788
Mon Jun 18, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5059

Re: A vehicle that "sits up" but can't afford CRV

Data that is a bit more current than 2005 .... http://www.iihs.org/iihs/topics/t/general-statistics/fatalityfacts/passenger-vehicles Interesting and surprising numbers. Historically, the rates of driver deaths per million registered vehicles have been higher for the smaller and lighter vehicles. Th...
by inbox788
Mon Jun 18, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1606

Re: One handed Android phone?

I've been looking for a good phone bigger than the iPhone SE and smaller than the iPhone 8 with little luck. The iPhone SE is ok, but want a bigger screen without having to go up in phone size. I'm hoping the new iPhone SE 2 or X SE will fit the bill. The problem is android phones have to beat the 4...
by inbox788
Sun Jun 17, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 43
Views: 3185

Re: iPad Pro 12.9": Replacement for Laptop?

I am typing this reply as I am sitting in my recliner watching the Yankees play Tampa Bay. Couldn’t imagine the larger, heavier MBP for this. I can't get comfortable typing from my recliner on an iPad. Touch screen typing is a poor substitute for a physical keyboard. I find it awkward to try and ar...
by inbox788
Sun Jun 17, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: new thinking under 2018 tax law?
Replies: 21
Views: 3218

Re: new thinking under 2018 tax law?

As a low income tax payee in retirement (mostly tax deferred and tax free investments), the tax law didn't help me. Actually my taxes will be higher , according to this Marketwatch calculator The Trump tax calculator — will you pay more or less? https://www.marketwatch.com/story/the-new-trump-tax-c...
by inbox788
Sun Jun 17, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1539

Re: convert 4 wire to a 3 wire switch

Since the OP has yet to return, speculation on this problem is futile... I hope he's OK... Lots of "shocking" stuff: https://www.google.com/search?q=electrical+fails&source=lnms&tbm=isch&sa=X This one was most appropriate one that gave me the best laugh[warning, profanity]: https://i.pinimg.com/736...
by inbox788
Sun Jun 17, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5059

Re: A vehicle that "sits up" but can't afford CRV

Well we're not talking about you or elderly people, are we? We're talking about the OP's 5'0" daughter. For all we know, OP is 98 and daughter could be 79, but we don't know...and probably it isn't. I'm not sure what "sits up" means, but when I drive my in-laws Honda Fit, I feel like I'm sitting in...
by inbox788
Sun Jun 17, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 43
Views: 3185

Re: iPad Pro 12.9": Replacement for Laptop?

I am so happy with my new MacBook 12" laptop that I may stop using my iPad altogether. The 12" Macbook seems like the best answer for me with the listed tasks. OP, which activities listed ("Keynote presentations, word processing, email and the web.") do you reach for the iPad first? And if you're t...
by inbox788
Sun Jun 17, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 43
Views: 3185

Re: iPad Pro 12.9": Replacement for Laptop?

Would not work for me. I still prefer to read printed books and such. Never got used to Kindle, and even worse on iPad Kindle App. Will use those in a pinch, but avoid them. The iPad is great for many web surfing needs and watching video. I can do 50-75% of what I need on it, but there's still a sig...
by inbox788
Sat Jun 16, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1539

Re: convert 4 wire to a 3 wire switch

Are 4 wires coming out of the box or 4 wires bundled and wrapped inside an insulator layer?
by inbox788
Sat Jun 16, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are international stocks in a 529 a bad idea?
Replies: 5
Views: 424

Re: Are international stocks in a 529 a bad idea?

FWIW, I have international stock in Roth. For now, I think the foreign tax credit is negligible. Am I ignoring a more significant tax issue (not investment choice)? Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) https://investor.vanguard.com/mutual-funds/profile/vtiax https://w...
by inbox788
Sat Jun 16, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5059

Re: A vehicle that "sits up" but can't afford CRV

It would help to know what she can afford since that is the actual problem. The most affordable option is most likely to repair and maintain her current CRV, and it sounds like she can barely do that. She loves the car but can not afford the initial price point to get a lower milage one. https://ww...
by inbox788
Sat Jun 16, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Popular Mac Developer Slams Apple for 'Sad State of Macintosh Hardware https://www.macrumors.com/2018/06/15/developer-slams-lack-of-mac-updates/ The Mac Pro has not seen a hardware update since December of 2013, more than 1600 days ago. Apple has promised its professional users that a high-end high...
by inbox788
Sat Jun 16, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Good family portrait place
Replies: 5
Views: 328

Re: Good family portrait place

What's your budget? What's your purpose? What's your final product? https://www.farreachinc.com/blog/far-reach/2016/08/25/custom-photography-for-marketing-how-to-choose-a-photographer You could do it cheap yourself: https://support.apple.com/en-us/ht208118 https://www.google.com/search?q=family+port...
by inbox788
Fri Jun 15, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 68
Views: 6286

Re: Taking $1M+ Long Term Capital Gains

Thanks for the figure of $479K. This would constitute wages + short term gains, correct ? I have to manage my short term gains correctly. Most of it is from expired covered call options. Assume I go beyond $479K, would ALL my LT CG be taxed at 20%; that does not make sense , as I would be better of...
by inbox788
Fri Jun 15, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1550

Re: Subaru EyeSight windshield insurance

http://www.iihs.org/iihs/sr/statusreport/article/53/3/2 Data mining + Inference says that cars with EyeSight run into 30%-40% fewer pedestrians. But, really, who here would say they might ever run into a pedestrian? How do they differentiate between EyeSight saving 30-40% of pedestrians vs. drivers...
by inbox788
Fri Jun 15, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5059

Re: A vehicle that "sits up" but can't afford CRV

Cody wrote:
Fri Jun 15, 2018 9:14 am
...old CRV...
She loves the car but can not afford the initial price point to get a lower milage one.
Year? Mileage? Problems?

A less old CRV?

If she can't afford a few thousand for a 2005 CRV, there's aren't going to be many good options. Or is she trying to get a circa 2010 (~10k)?
by inbox788
Fri Jun 15, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

FYI, iPhone Inc. https://amp.businessinsider.com/images/5873d01af10a9a260b8b4963-960-720.png http://www.businessinsider.com/apple-iphone-sales-as-percentage-of-total-revenue-chart-2017-1?r=UK&IR=T And the step-children: Mac revenue exceeds iPad revenue for the first time since 2011 [27 Apr 2015] htt...
by inbox788
Fri Jun 15, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Been a Mac user since the mid-'80's. The service isn't what it used to be. You must have missed this 2007 memo: https://www.youtube.com/watch?v=x3sg8b5iXO4&feature=youtu.be&t=34 They really could have renamed again to iPhone Inc. in 2010. I can't repeat this enough. Best 2017 browser feature: "Neve...
by inbox788
Fri Jun 15, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

For work computers, this is actually a security/privacy "feature", or else you have to add the privacy screen to put over the screen. I suppose a good sales person could try to sell it as a feature, but this is clearly just a sub-par screen. Worst of all hers is bad in the vertical orientation so y...
by inbox788
Fri Jun 15, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

It's not like Apple is remotely alone in selling sub-par panels in expensive laptops. The big business PC makers - Dell/HP and Lenovo have been doing that for years. There are millions of high end Thinkpads, Latitudes, and EliteBooks sold every year with screens that are substantially worse than th...
by inbox788
Fri Jun 15, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro. I jumped off the Apple wagon and jumped on the Chromebook wagon. Doing the same might not work for everyone but it certainly did work for me. I w...
by inbox788
Fri Jun 15, 2018 2:30 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

It's a fair deal, but I'd recommend saving up those pennies for a MacBook Pro $1099 refurbished at the Apple Store. Yes, it's $400 more, but the display is much improved. Here is a nice comparison, and it should provide longer usability period and maintain a higher resale value down the road. https:...
by inbox788
Fri Jun 15, 2018 2:08 am
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1539

Re: convert 4 wire to a 3 wire switch

You're rewiring the switch? How was the switch wired before? Is it just one switch and one light? No other switches or lights? What color are the wires coming out of the wall? Why are there only 4 wires? (there could be as many as 6 wires with ground in/out) https://i.pinimg.com/originals/20/df/76/2...
by inbox788
Thu Jun 14, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking mid-cap and or small-cap Vanguard Funds
Replies: 7
Views: 595

Re: Seeking mid-cap and or small-cap Vanguard Funds

I follow VO (mid) and VB (small) Vanguard ETFs that have Investor and Admiral fund equivalents. According to google finance, the market cap is $5B and $24B respectively, and I assume it includes all classes of ETF and funds (vs. 131.71B for VTSMX). [or not; updated what Vanguard reports -- in any ca...
by inbox788
Thu Jun 14, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Using donor advised fund to diversify stock with large capital gains
Replies: 38
Views: 2230

Re: Using donor advised fund to diversify stock with large capital gains

I'm curious what people think about this strategy. Given the risk of a single stock, it seems preferable to holding this individiual stock for years and donating small chunks. And if we do find a worthy cause to donate all of it at once, we can still do that with the donor advised fund. Are there a...
by inbox788
Thu Jun 14, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1411

Re: Cheap, fuel efficient 2nd car commuting?

I'd keep the truck and get an econobox for commuting. Electric or hybrid are probably your best bets. Compare to Prius or Prius Prime or Civic. https://www.edmunds.com/toyota/prius-prime/2017/st-401690600/cost-to-own/ How We Calculate True Cost to Own® The True Cost to Own® calculations use the foll...
by inbox788
Thu Jun 14, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 68
Views: 6286

Re: Taking $1M+ Long Term Capital Gains

I am very confused with the tax brackets as I am seeing various numbers in various websites. Where can I find the correct information ? In my example, what should I earn in 2018 ( salary + short term gains ) so that I do not hit the 20% LTCG ? Married Filing Jointly. Don't worry about going over a ...
by inbox788
Thu Jun 14, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3396

Re: Light Camping Trailer

After sharing this with my wife she wants something she can stand up in (so no teardrop trailers) and not a pop-up (does not like the idea of fabric sides). We have now refined the towing weight down to 2700 pounds. I think this puts us at a 13 foot Scamp. And she's probably going to want a bathroo...
by inbox788
Wed Jun 13, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8620

Re: [Looking for ways to reduce taxes and keep more of my income]

Yeah, the Nerdwallet calculator is trimming $8,100 from the taxable income. OP is also paying a Medicare surcharge of 0.9% for income above $250,000. Comes out to something like $1,500. I googled $8100 and came up with 2 exemptions. This might the discrepancy and might be their mistake (they took t...
by inbox788
Wed Jun 13, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5064

Re: Rowing machine motivation

I use the loop app to track my exercise daily. Categories I add are strength (lifting/yard work/shoveling), cardio(swim, run, ski, row), stretch (yoga). I exercise daily, but don't spend a lot of time doing it. Also use it to track diet. 3 categories. No grains, no sugar/juice, no Vegetable oil. I ...
by inbox788
Wed Jun 13, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8620

Re: Getting killed on taxes - any ideas?

I changed the thread title to reflect the OP's intent. Thanks, LadyGeek! I think posters were getting far too distracted by the hyperbolic title. I just wanted to follow-up on my worked out tax example from before under different suggested scenarios for 2018. Gross Income: $442k 2018 Federal Income...
by inbox788
Wed Jun 13, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 68
Views: 6286

Re: Taking $1M+ Long Term Capital Gains

Hmmm...first post a market timing post. That aside... Since these are individual stocks you may want to figure out your optimum capital gains strategy and look at put options in order to protect the remainder of what you cannot sell in a given year. The following url may prove useful if you wish to...
by inbox788
Wed Jun 13, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1340

Re: What To Do About 2001 Honda Odyssey With No AIr

I'd sell it. No sense putting more money into an option that has limited usage. Someone is going to be glad to save $300 or $500 on a $2500 van that drives that doesn't care about the AC. You're probably just accelerating a purchase that you've been putting off. Win-win IMO.
by inbox788
Wed Jun 13, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8620

Re: Getting killed on taxes - any ideas?

That said, I believe livesoft has provided a succinct list of action items for OP to reduce taxes. Yup. Great list. I've abbreviated the list below to items that I think are most relevant to this discussion. I think item 12 is also impacted by 2018 changes and needs re-evaluation. 10. Poke your eye...
by inbox788
Wed Jun 13, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1876

Re: Tv mount with no studs

Hi all! Me again. Hoping to mount a 50 inch tv but I don't have any studs in my basement. It is drywall with concrete block behind it. Anyone ever done this? I'm looking to DIY unless there was an affordable way of a pro doing it. I'm wanting the tv to be able to swivel not just be forward facing. ...
by inbox788
Wed Jun 13, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2561

Re: Trade-up my $89 Walmart bike

Don't be cheap. Buy the DS1 or DS2. You'll be glad you did. 10 years ago I agonized about spending $350 dollars on an entry level Trek Hybrid 7200. Best money I ever spent as far as health benefits and enjoyment. Last year bike was stolen, and again, I agonized over replacing it with a more expensi...
by inbox788
Tue Jun 12, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5064

Re: Rowing machine motivation

Yes, healthy food as a punishment for not working out. I'm sure that's a great way to frame healthy eating. Yeah, I'd be cautious about the incentive program. Here's another questionable one: betting on weight loss. https://www.healthywage.com It's a bit like viaticals, where the counter party is b...
by inbox788
Tue Jun 12, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3396

Re: Light Camping Trailer

Besides the superlight scamp, casita, tab, etc. already mentioned, see if you can tow an rpod. Others that you might look at include the egg, trillium and escape, though some of these are towable empty, once loaded, may be too heavy. If you really don't care for a bathroom, a popup camper might work...