Search found 150 matches

by gogleheads.orb
Wed Feb 17, 2021 8:41 am
Forum: Personal Consumer Issues
Topic: [Generators]/ supplemental power generation
Replies: 162
Views: 8652

Re: [Generators]/ supplemental power generation

We just installed a natural gas 16kW Generac whole house generator. it cost 10k installed in the Boston area. It is expensive, but in our town pretty common. We have a lot of trees in town that overhang the powerlines. Any time it is windy you might lose power. It is a pain to lose heat, water and h...
by gogleheads.orb
Thu Feb 04, 2021 4:06 pm
Forum: Personal Investments
Topic: Would love feedback- burned out at work
Replies: 50
Views: 5997

Re: Would love feedback- burned out at work

Your salary isn't very high relative to your net worth or to the costs of living in a VHCOL area. I wouldn't do anything rash, but if you can make a similar salary in a lower cost of living area it seems reasonable to quit and move. It is also reasonable to find another job in the same area that has...
by gogleheads.orb
Tue Feb 02, 2021 11:47 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1751
Views: 162799

Re: My LenderFi refinance is going well

I also had no problems with Amrock. I did follow up with them to make sure that the property tax was paid. Maybe this would have happened anyway. I don't know.
by gogleheads.orb
Fri Jan 22, 2021 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Wedding
Replies: 78
Views: 4733

Re: Wedding

Far and away the biggest driver of wedding costs is the number of people attending and how/what you are feeding them. I'll second this. It is hard to do a cheap wedding if you want to invite a lot of people and feed them a full meal. It will number of people * cost per person for the meal*(1.2-2) T...
by gogleheads.orb
Wed Jan 20, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: Amazon Firestick vs. Roku
Replies: 72
Views: 4341

Re: Amazon Firestick vs. Roku

Peacock is not on the Firestick because of a fight between Amazon and NBC. We use the Chromecast to get peacock and the firestick for everything else.
by gogleheads.orb
Thu Dec 31, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710161

Re: Refinance Mega Thread

Anyone have recommendations on going with Loan Depot vs LenderFi? They've both effectively matched each other LE's so there's no $ difference for me to use one or the other. Having never used either of them, I'm not sure if one's "better" than the other or if there are other reasons to co...
by gogleheads.orb
Wed Dec 23, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: Why do we even need a fund to track the market?
Replies: 105
Views: 6350

Re: Why do we even need a fund to track the market?

I used Merrill edge. I thought since 2011 they were legally required to track all of the cost bases for all of my transactions. All of the shares were purchased after 2011. It turns out I was wrong. A vast majority of the transactions were properly tracked and i could automatically handle them in tu...
by gogleheads.orb
Sun Dec 20, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: Why do we even need a fund to track the market?
Replies: 105
Views: 6350

Re: Why do we even need a fund to track the market?

I kind of tried this. I bought 1000 individual companies shares. 1 share for each company. No broker fees. The problem was the work required to fill out taxes. Not all of the transactions ( due to mergers and divestitures) had there cost bases automatically tracked. It took a day of work to figure o...
by gogleheads.orb
Wed Sep 09, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Saving on flight schools!
Replies: 20
Views: 2047

Re: Saving on flight schools!

20 or 30 years ago the answer was to join the CAP. I don't think it really helps much anymore due to changes in regulations due to liability concerns, but it might still be something to look into.
by gogleheads.orb
Mon Aug 31, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Nest thermostat question
Replies: 12
Views: 1023

Re: Nest thermostat question

did you try removing it from the wall and charging it with a usb charger?
by gogleheads.orb
Fri Aug 21, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: “Experiences” - aka family vacations
Replies: 24
Views: 2857

Re: “Experiences” - aka family vacations

rent a house on the beach on the outer banks for a week. Maybe two. They aren't super cheap.
by gogleheads.orb
Mon Jul 20, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Steel Framed House VS ?
Replies: 32
Views: 2338

Re: Steel Framed House (aka Barndominium)

I'm anxious to hear the more educated responses of others, but I think a con for some people is esthetics. You don't want your house to look like a warehouse. I would hope that the builder has ways of making it look like a regular house.
by gogleheads.orb
Mon Jun 22, 2020 8:52 am
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2577

Re: Should I ever hold ESPP until a qualifying disposition?

Here is a scenario for my ESPP: 0. My STCG tax rate is 48% and my LTCG tax rate is 28% 1. On 1/1/2020 the stock price is at $100 and the ESPP offering period begins. 2. On 7/1/2020 the first purchase period ends. The stock price is at $200. 3. $10k worth of shares are purchased for me at $85/share....
by gogleheads.orb
Fri Jun 19, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Retiring Abroad
Replies: 110
Views: 14831

Re: Retiring Abroad

I have to say I didn’t expect this many replies in this subject. Thanks to all for your input. One of the options we are considering is woofing (https://wwoofinternational.org/) whereby you work on a farm for (typically) room and board. This would allow us to scratch our farming itch and have some ...
by gogleheads.orb
Tue May 12, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: Direct Indexing Revisited
Replies: 24
Views: 2171

Re: Direct Indexing Revisited

I tried a version of this first with motif and then with Merrill edge (100 free trades a month). I never tried to track an index really, but just tried to buy a whole bunch of different stocks. At one point I owned 1000 companies at Merrill edge. The problem I had was doing my taxes. I figured every...
by gogleheads.orb
Mon Mar 09, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2627

Re: Battery powered lawn mower recommendation

I have an Ego. they aren't cheap but them seem to work.
by gogleheads.orb
Thu Feb 20, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2638

Re: HS Latin or Spanish/ASL?

take Spanish and try to actually learn something.
by gogleheads.orb
Fri Feb 07, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 674
Views: 103071

Re: Losing a job in your 50's...

even if you ask, it doesn't mean that they will necessarily do it. I have a coworker who went in and yelled at this boss for not laying him off a few years ago. We have had two rounds since then and he is still around. Maybe they don't take him seriously. Don't know.
by gogleheads.orb
Thu Nov 21, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Company Paying Moving Expenses...or not
Replies: 8
Views: 528

Re: Company Paying Moving Expenses...or not

Do like my friend did, moving from Hudson, MA to Dallas, Texas. He sold and gave away everything he owned except his audio set up and extensive Grateful Dead collection, including a goat. He sold the house. He packed everything in his Volvo wagon and a small open trailer and drove to his new home. ...
by gogleheads.orb
Tue Nov 19, 2019 5:35 am
Forum: Investing - Theory, News & General
Topic: Are individual stocks back on the table now that we have $0 commissions?
Replies: 56
Views: 4800

Re: Are individual stocks back on the table now that we have $0 commissions?

I did this at Merrill edge. I bought 1000 individual shares in the largest companies in the world. The problem was at tax time. All of the stocks were covered so theoretically the cost basis of every trade should have been accounted for and everything should have transfered directly into TurboTax. I...
by gogleheads.orb
Fri Nov 08, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9569

Re: Should I buy the family cottage?

the price you pay is up to you and your father. He can do whatever he wants with it. It is his. I guess he does have the responsibility to explain this to your siblings if they have problems with it.
by gogleheads.orb
Fri Nov 08, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9569

Re: Should I buy the family cottage?

If you want to retire there buy it outright. If you just want to use it occasionally and never full time, buy it with as many siblings as possible, so that all of the running costs can be shared. If your siblings use it but don't pay for it you will resent them.
by gogleheads.orb
Mon Nov 04, 2019 9:26 am
Forum: Personal Investments
Topic: Fidelity 401k - BrokerageLink & Index Fund Options
Replies: 3
Views: 661

Re: Fidelity 401k - BrokerageLink & Index Fund Options

I use brokerage link in my 401k. I'm 25% FZILX and 50% FZROX. I haven't seen any issues so far.
by gogleheads.orb
Mon Oct 07, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 42
Views: 5257

Re: Is Utah the most convenient "Out West" destination for East Coast skiers?

i have been a couple times. it is incredibly convenient. been to Colorado as well. not nearly as convenient. at any rate, just want confirmation as well as recommendations of mountains. been to Park City/The Canyons, Snowbird and Brighton. would love to hit Powder Mountain but that seems far (about...
by gogleheads.orb
Thu Oct 03, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 9690

Re: Wedding Finances-Today

It is very difficult to have a cheap wedding. The main way to control expenses is to not invite many people and to not serve much food. These things are easier said than done. It is not fun excluding people and food for many people is very important. Limiting the food will also limit the length of ...
by gogleheads.orb
Wed Oct 02, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 9690

Re: Wedding Finances-Today

I'll echo the others and just say write a check and ask where you can help them out in terms of labor. It is very difficult to have a cheap wedding. The main way to control expenses is to not invite many people and to not serve much food. These things are easier said than done. It is not fun excludi...
by gogleheads.orb
Tue Oct 01, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 15984

Re: Willingly going from lucrative job to unemployed?

Young childless people who make good money do this sort of thing all the time. Ask for however long of a leave of absence that you need or just quit if you aren't' sure you want to return to the same company. Take the time that you want and come back and find a job when you get bored of travelling o...
by gogleheads.orb
Tue Aug 20, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3846

Re: Battery powered lawn mower

EGO 7.5 Ah. had it for a month. so far so go.
by gogleheads.orb
Mon Aug 05, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Australia Trip - 2021
Replies: 25
Views: 2035

Re: Australia Trip - 2021

we did 14 days, Sydney/ blue mountains port Douglas / great barrier reef Uluru all and all a lot of fun. I remember the cairns port Douglas drive being stressful, but I think that was because I was just getting used to driving on the wrong side of the road. we rented a camper van in alice springs an...
by gogleheads.orb
Wed Jul 31, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Three or four-day Fall Getaways (Northeast US)
Replies: 19
Views: 1759

Re: Three or four-day Fall Getaways (Northeast US)

Bob Sacamano wrote: Mon Jul 29, 2019 1:43 pm

LOVE Stowe, but that is a really far drive from Central NJ :(

i do think there might be flights into Burlington.
I know some people who do that drive every weekend in the winter. My guess is that it is 6-7 hrs.



Burlington has flights from Newark.
by gogleheads.orb
Wed Jul 31, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 10515

Re: Bloomberg: Forget Tech, Medicine Still Pays More

In the end you need to do what you are interested in and are good at, but all else being equal it is pretty good to be a Dr. in the U.S. now. ( this could change) The pay is good, the hours are good. ( these two can be traded off) You have a high social status. You are usually more or less your own ...
by gogleheads.orb
Mon Jul 29, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Three or four-day Fall Getaways (Northeast US)
Replies: 19
Views: 1759

Re: Three or four-day Fall Getaways (Northeast US)

curious where some of your favorite getaways are in ~October? we've done southern Vermont the last few years and are looking to switch it up. Lake George? The Hamptons/Montauk? Maine (maybe too far)? not opposed to flying either. thanks! Northern Vermont? Burlington, Stowe, Waterbury, Waitsfield, M...
by gogleheads.orb
Fri Jul 19, 2019 2:41 pm
Forum: Personal Investments
Topic: 2.5 million to invest for myself[35] and father[70]
Replies: 43
Views: 4378

Re: 2.5 million to invest for myself[35] and father[70]

If there is a chance that your dad will not be under the estate tax limit (the biggest risk might be future changes in legislation!), it might make sense for him to start gifting you the annual gift tax exempt amount ($15k) each year to reduce this risk.. Your father could give $15k to you and $15k...
by gogleheads.orb
Wed Jun 05, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2716

Re: Trip to Vermont/New Hampshire

Near Burlington: Shelburne Farms in nice. https://shelburnefarms.org/ Mt. Philo is a very easy hike https://vtstateparks.com/philo.html You can drive to the top of Mt Mansfield and walk around a bit. Camel's hump is a tougher hike. Stowe is touristy Waterbury is the beer mecca Middlebury and Montpel...
by gogleheads.orb
Tue Jun 04, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4764

Re: Santa Fe real estate

Have you considered Taos?
by gogleheads.orb
Fri May 24, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 7475

Re: Best small AWD to 'drive into the ground'

an hr-v with studded snow tires will do the trick.
by gogleheads.orb
Thu May 23, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Legal Advice Needed: Immigration and employment question
Replies: 13
Views: 1403

Re: Legal Advice Needed: Immigration and employment question

If she entered the U.S. illegally it is probably not possible for her to ever become legal. If she legally entered the U.S. and then overstayed a visa she can be sponsored by her daughter when her daughter becomes an adult. This is assuming that the law doesn't change in the next few years.
by gogleheads.orb
Wed May 22, 2019 11:21 am
Forum: Personal Investments
Topic: Fidelity 401k brokeragelink fund review
Replies: 9
Views: 938

Re: Fidelity 401k brokeragelink fund review

I'm using the zero funds in my brokeragelink 401k. fzrox and fzilx. I don't see a good reason not to.
by gogleheads.orb
Thu May 16, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 98
Views: 11502

Re: Honda CRV or Toyota RAV4 ?

Long time Honda owner thinking about getting a new CRV. Was wondering how a RAV4 would compare especially on price and reliability. Your thoughts? I bought the rav4 rather than the crv after reading the oil dilution thread. I was freaked out that China was banning the sale of the offending engine.
by gogleheads.orb
Mon May 06, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: China/Tibet Visa Weirdness
Replies: 12
Views: 2554

Re: China/Tibet Visa Weirdness

my 10 year old data point is that we needed 5 people with the same country passport, but didn't need to all apply at the same consulate. We flew usa-bejing-chendu-chongching- lhasa, lhasa- beijing-usa
by gogleheads.orb
Mon May 06, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 4793

Re: Educational pathway(s) for future engineer

this has already been stated, but just because he has 37 credits done, doesn't mean he needs to use them all. Retaking classes in college that you already took in high school is not a bad idea. You will end up learning it better and have a good shot at getting good grades. It's not uncommon to study...
by gogleheads.orb
Tue Apr 30, 2019 8:27 am
Forum: Personal Investments
Topic: 27 & 30 Year Old Married Couple - Need Investing Advice
Replies: 15
Views: 2075

Re: 27 & 30 Year Old Married Couple - Need Investing Advice

if you spend only $800 a month on housing, where does the other $4,300 in expenses go to? $1,100 to retirements assets so then there is another $3,200 left.... Also wedding/honeymoon in Australia seems quite extravagant.... take the honeymoon to Australia. Add New Zealand if you have the time. It w...
by gogleheads.orb
Thu Mar 21, 2019 4:14 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 19428

Re: Moving from Vanguard to Merrill Edge

I did this a few years ago for the 1k. I turned my mutual fund into an etf before doing the transfer. It seemed easier that way to me. I've never moved anything back. the platinum rewards bonus on their credit cards is a good deal.
by gogleheads.orb
Thu Mar 21, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 32
Views: 4343

Re: Google fi users - happy with it and recs?

I use it. It works well. The coverage (sprint + t mobile) can be weak in rural areas. It is a little expensive. The reason I keep it is that it has data coverage all over the world for the same price as at home ($10/GB). The data works on your phone and on up to 9 other sim cards that you can get fo...
by gogleheads.orb
Wed Mar 20, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock instead of cash to charities
Replies: 37
Views: 2225

Re: Donating stock instead of cash to charities

We have some stock that was bought at a discount in an employee purchase plan long ago and which has appreciated, so if we sell it the capital gains will be considerable. It's not in a retirement account, just with a brokerage. We don't have nearly enough deductible expenses to make it worthwhile t...