Search found 741 matches

by hmw
Tue Aug 04, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Recommendation for kid's face masks?
Replies: 6
Views: 324

Re: Recommendation for kid's face masks?

oldfort wrote:
Tue Aug 04, 2020 11:55 am
What do you mean by quality? If by quality, you mean prevent getting infected with COVID, then this is a medical question. I would suggest a surgical mask.
I don't think they make small one time use surgical masks for kids. I want something with 2-3 layers and are comfortable to wear.
by hmw
Tue Aug 04, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Recommendation for kid's face masks?
Replies: 6
Views: 324

Recommendation for kid's face masks?

My 9-year old is going back to school in September. Remote learning is not an option at his school.

Any recommendation for good quality face masks for kids? There are so many sellers on line. It is hard to know what to pick.

Thanks
by hmw
Sun Aug 02, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 123
Views: 4863

Re: What Car Maintenance Do You Do?

Air filters,
Cabin filters
Windshield wipers
Engine oil and filter change
battery replacement
brake pads and rotors (done it only once so far)
serpentine belt replacement, idler pulley replacement, replacement of failing bearings in the auto tensioner.
Differential gear oil replacement
by hmw
Tue Jul 28, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 6915

Re: Adding Canadian Citizenship - any downsides?

Know a kid who goes to a TOP univ in Canada because his mom was born there. The tuition? <10k, much less than our not so great in-state univ. So definitely a big plus. It can be cheaper than that! McGill in Montreal is arguably the top university in Canada (or at least top 3) and the annual tuition...
by hmw
Tue Jul 28, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 6915

Re: Adding Canadian Citizenship - any downsides?

You might be right, VT...I am unaware of the issues that non-US residents might face by holding a US passport. My comment was based not on patriotism but of the value of flexibility. Whether one uses a US, Canadian, EU, or really any passport is not important. The point is that you CAN use it, if o...
by hmw
Mon Jul 27, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 6915

Re: Adding Canadian Citizenship - any downsides?

You might be right, VT...I am unaware of the issues that non-US residents might face by holding a US passport. My comment was based not on patriotism but of the value of flexibility. Whether one uses a US, Canadian, EU, or really any passport is not important. The point is that you CAN use it, if o...
by hmw
Mon Jul 27, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 6915

Re: Adding Canadian Citizenship - any downsides?

Absolutely no downside, and it is ALWAYS good to have as much flexibility as possible in an uncertain world. I wish I was in her shoes. I would get Canadian citizenship ASAP. You never know when laws could change. (And vice versa if I was Canadian and could get US citizenship). US citizenship is ge...
by hmw
Sun Jul 26, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 6915

Re: Adding Canadian Citizenship - any downsides?

Op I have no children, but maternal relatives in Toronto, Canada, my understanding if I would pass, my Canadian relatives would pay taxes on inheritances. My real estate properties will have to liquidated, Roth accounts may not benefit tax avoidance. This maybe an issue with your children in the fu...
by hmw
Fri Jul 24, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2236
Views: 385002

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Anyone here able to use https://www.tdameritrade.com/offer/tdbankoffer/index.html recently? Not a TD Bank customer but heard there might be a way to use it anyway. Yup, my family member and I did this offer in April, both our bonuses credited on day assets arrived. We're not TD banking customers Di...
by hmw
Fri Jul 24, 2020 12:53 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2236
Views: 385002

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I can't comment on whether your having enrolled in a different bonus plan within the last 12 months will create an issue for you. What I would say is that I'd find out the answer to that from a Chase Rep before investing time in the process for this bonus. Please look upthread a bit for my post on ...
by hmw
Thu Jul 23, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Prime Membership Question/Prime Video
Replies: 11
Views: 1301

Re: Prime Membership Question/Prime Video

I canceled my prime subscription a few months ago. I had been disappointed with the slow shipping during the pandemic. It is not difficult to get free shipping as the minimal is only $25. I watched prime video when I had it. But I don’t really miss it. HBO, Hulu and YouTube give me enough content.
by hmw
Thu Jul 23, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2236
Views: 385002

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I can confirm a $75 Chase YouInvest closure fee. A JPM brokerage account, required for the private client bonus, might have different fees but are not likely to be less. Why close it? I transferred out and it just sits at $0.00. there's actually a "fund your account" link. 😅 Are they really going t...
by hmw
Tue Jul 07, 2020 6:29 am
Forum: Personal Consumer Issues
Topic: Can I use dishwasher if no hot water?
Replies: 15
Views: 1639

Re: Can I use dishwasher if no hot water?

If by shut it down you mean you shut the water supply off to the water heater then no the dishwasher will not work because the water supply to the dishwasher is pulled only from the hot water supply(normally from under the kitchen sink). If you just turned the power off/turned the gas off to the wa...
by hmw
Tue Jul 07, 2020 12:16 am
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7623

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

My wallets cost about $10 to $20.

My wife owned quite a few expensive wallets and hand bags. The luxury wallets are better quality than my cheapo wallet. So it is a legit purchase. If you want to blow some money, go for it. :happy
by hmw
Tue Jul 07, 2020 12:09 am
Forum: Personal Consumer Issues
Topic: Can I use dishwasher if no hot water?
Replies: 15
Views: 1639

Can I use dishwasher if no hot water?

One of my water heaters developed a leak and I have shut it down. New water heater ordered tonight but won’t be delivered for a couple of days.

This water heater supplies the kitchen. Can I use my dishwasher if there is no hot water supply? Will running it damage the dishwasher?

Thanks
by hmw
Sat Jul 04, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 20915

Re: What to do with all this MONEY ?

OP, thanks for your post. It gave me a lot to think about regarding my own situation. People have given you very good advice and I have nothing to add. I am also a physician and about 20 years younger than you. If the current projection holds, I will also have "too much" money at age 65. To solve th...
by hmw
Thu Jul 02, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Imported car from Canada. Do I have to pay sales tax?
Replies: 10
Views: 743

Re: Imported car from Canada. Do I have to pay sales tax?

fabdog wrote:
Thu Jul 02, 2020 2:50 pm
I would think you need form DTF-803 to claim that you were not a NY resident when you purchased the vehicle

https://dmv.ny.gov/registration/sales-tax-information

Mike
According to form DTF-803, I don’t think the OP owes any sales tax to NY state.
by hmw
Thu Jul 02, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2809

Re: COVID 19 changing the public vs. private school value equation?

My 9-year old is in a private Montessori school. I was not that impressed with the teaching after the pandemic started. The teacher was sending a packet once a week via email and maybe a one-hour zoom session a week. Not sure what the local public schools were doing, But my public school district is...
by hmw
Thu Jul 02, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Imported car from Canada. Do I have to pay sales tax?
Replies: 10
Views: 743

Re: Imported car from Canada. Do I have to pay sales tax?

If you already owned it for 1 year and 3 months, I don’t think you will owe any sales tax to NY state. You can call NY dmv to find out. Just checked with NY DMV, apparently I owe taxes. Wow. I am surprised. Did you find out how long you have had to owned the car before NY state forgo their sales tax?
by hmw
Thu Jul 02, 2020 12:39 am
Forum: Personal Finance (Not Investing)
Topic: US resident with Canadian Bank Acct
Replies: 10
Views: 582

Re: US resident with Canadian Bank Accti

200k eh? Norbit Gambit is your friend if you want to convert it without currency conversion fees. If you want to keep in CAD, the only bank in the US that might have a clue with Canadian funds is TD Bank "America's Most Convenient Bank" :D . Wells Fargo, B of A, Chase.... they will stare at you lik...
by hmw
Thu Jul 02, 2020 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Imported car from Canada. Do I have to pay sales tax?
Replies: 10
Views: 743

Re: Imported car from Canada. Do I have to pay sales tax?

Are you sure that you will be able to import it without a lot of complications? In prior threads people have mentioned that they have had problems with all the car safety and emission standards making cars be difficult to import. A quick Google search found this link. https://www.snowbirdadvisor.ca...
by hmw
Thu Jul 02, 2020 12:20 am
Forum: Personal Finance (Not Investing)
Topic: US resident with Canadian Bank Acct
Replies: 10
Views: 582

Re: US resident with Canadian Bank Acct

200k eh? Norbit Gambit is your friend if you want to convert it without currency conversion fees. If you want to keep in CAD, the only bank in the US that might have a clue with Canadian funds is TD Bank "America's Most Convenient Bank" :D . Wells Fargo, B of A, Chase.... they will stare at you lik...
by hmw
Thu Jul 02, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16615

Re: What is the best financial decision you ever made?

Pursuing a high paying career.
by hmw
Thu Jul 02, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Imported car from Canada. Do I have to pay sales tax?
Replies: 10
Views: 743

Re: Imported car from Canada. Do I have to pay sales tax?

If you already owned it for 1 year and 3 months, I don’t think you will owe any sales tax to NY state. You can call NY dmv to find out.
by hmw
Wed Jul 01, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: US resident with Canadian Bank Acct
Replies: 10
Views: 582

Re: US resident with Canadian Bank Acct

I would keep the accounts in Canada if you work there part time and you want to keep Canadian dollars.

The reporting requirements to IRS and to the US treasury (FBAR) are quite easy after you do it once.

Happy Canada Day
by hmw
Wed Jul 01, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are you paying for umbrella insurance?
Replies: 36
Views: 1991

Re: What are you paying for umbrella insurance?

$256 for one million
$422 for 2 million

Amica

One adult and one child. One car. No pool.
by hmw
Wed Jul 01, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a Mercedes SUV
Replies: 42
Views: 2255

Re: Thinking of buying a Mercedes SUV

I own a 2014 GLK 350 4 matic with 45,000 miles on it. Each visit for regular maintenance runs in the neighborhood of $800-$1000. I replaced the tires at a local shop about 3 years ago and take it there for rotate, balance, alignment check, etc. The biggest drawback is the lack of room in the back s...
by hmw
Tue Jun 30, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Please help me choose a ballast for fluorescent light
Replies: 21
Views: 928

Re: Please help me choose a ballast for fluorescent light

I think I will just replace the ballast instead of changing to LED. I watched one video on Youtube on how to convert fluorescent lights to LED. I don't think I can do it. https://www.amazon.com/gp/product/B00HS5APIC/ref=ox_sc_act_title_2?smid=A2G39W4WKEDMBB&psc=1 I think the above ballast will work....
by hmw
Tue Jun 30, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: At what point can you justify a $10k+ flight?
Replies: 75
Views: 4632

Re: At what point can you justify a $10k+ flight?

I started a similar thread a few years ago. Lots of responses.

viewtopic.php?t=252393

We have flown business class a couple of times since my post for trans-oceanic flights.
by hmw
Tue Jun 30, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Please help me choose a ballast for fluorescent light
Replies: 21
Views: 928

Re: Please help me choose a ballast for fluorescent light

You should be able to replace that old magnetic ballast with an electronic ballast. This should work, but wiring may be different so just follow the instruction sheet in the package. https://www.lowes.com/pd/GE-2-Bulb-Residential-Electronic-Fluorescent-Light-Ballast/50260955?cm_mmc=shp-_-c-_-prd-_-...
by hmw
Tue Jun 30, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Please help me choose a ballast for fluorescent light
Replies: 21
Views: 928

Re: Please help me choose a ballast for fluorescent light

If for some reason you don't want to replace the fixture, please post the exact specs of the lamp, from one end. Also mention the nominal length of the tubes, and their nominal diameter (T6, T8, etc.) Do you have plenty of spare bulbs on hand, or zero? Preferred color/color temperature? Any reason ...
by hmw
Tue Jun 30, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Please help me choose a ballast for fluorescent light
Replies: 21
Views: 928

Please help me choose a ballast for fluorescent light

I need to replace an old ballast which is apparently no longer manufactured. The old one is called "Mark III Energy Saver Cat No. R-2E75-S-2-TP" made by Advance Transformer. When I did a search on Amazon, there is a 3rd party that still sells this particular ballast but cost over $80. Typical ballas...
by hmw
Sun Jun 28, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: No need to file form 8949 for 2019?
Replies: 8
Views: 330

Re: No need to file form 8949 for 2019?

Honestly I don't remember what I did for year 2018. ie if my basis was different than what was reported by my brokerage. Don’t you save a copy of what you submitted each year? These should be kept for 7 years so you can look back such as for cases like this or in case you get a notice from the IRS ...
by hmw
Sun Jun 28, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: No need to file form 8949 for 2019?
Replies: 8
Views: 330

Re: No need to file form 8949 for 2019?

Honestly I don't remember what I did for year 2018. ie if my basis was different than what was reported by my brokerage. Don’t you save a copy of what you submitted each year? These should be kept for 7 years so you can look back such as for cases like this or in case you get a notice from the IRS ...
by hmw
Sun Jun 28, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: No need to file form 8949 for 2019?
Replies: 8
Views: 330

Re: No need to file form 8949 for 2019?

It looks to me like you only need to file Form 8949 when you need to reconcile your records with your custodian’s. Maybe you disagreed with something on the 1099-B or 1099-S, such as the custodian reported the wrong cost basis or didn’t know it. For example, before 2011 (I think that’s the year), V...
by hmw
Sun Jun 28, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: No need to file form 8949 for 2019?
Replies: 8
Views: 330

Re: No need to file form 8949 for 2019?

jebmke wrote:
Sun Jun 28, 2020 4:51 pm
My desktop version of HRB has 8949. Are you using the online version?
I am using H&R block deluxe downloaded version.

I can find a blank 8948 form. It was not auto-filled like last year. So I am wondering if I need to do it by hand?

thanks
by hmw
Sun Jun 28, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: No need to file form 8949 for 2019?
Replies: 8
Views: 330

No need to file form 8949 for 2019?

I am doing my taxes using H&R block tax software this year. I imported my 1099s from my brokerages. I compared this year's final filing with that of 2018. I noticed that H&R block did not generate a completed form 8949 (Sales and Other Dispositions of Capital Assets) this year. All the trading gains...
by hmw
Tue Jun 16, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 65
Views: 4268

Re: Replace my 2005 4 Runner :(? Update on Repair Post

Update on the repair: The other three pulleys needed replacement. Because they had also locked up on the drive home the new serpentine belt had to be replaced again. It's funny, after the roadside mechanic replaced the one pulley I did think "What about the other three?" Glad I got home safe. Accor...
by hmw
Mon Jun 15, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3040

Re: 2 cars, one driver. Should I sell one?

OP here. I sold my Mercedes because it is more a pain to service than the Subaru. I first priced it on Carvana, which offered me $11250. I then went to 3 car dealerships in town which are all located next to each other. The offers were 11k, 13k, and 14k. I am surprised that there are so much differe...
by hmw
Thu Jun 11, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3040

Re: 2 cars, one driver. Should I sell one?

I have 2 vehicles. My household consists of me and my 9-year old son. I have a 2012 Subaru Outback 3.6 limited at 95k miles and a 2015 Mercedes ML350 at 78k miles. I am not a car guy but I do value reliability. Both vehicles have been good so far. No significant mechanical problems. I anticipate th...
by hmw
Thu Jun 11, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3040

Re: 2 cars, one driver. Should I sell one?

OP here, Most people seem to favor getting rid of one vehicle. I don't really need AWD now. I bought the Subaru when we were living in New England. I think I will sell one car, and drive the other one until it needs frequent repairs/becoming unreliable. Then I will just get a new car. Between the 20...
by hmw
Thu Jun 11, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3040

Re: 2 cars, one driver. Should I sell one?

BanquetBeer wrote:
Thu Jun 11, 2020 2:00 pm
What does mid to high 6 figure income mean?

To me that means 500-800k. If that is the case, it doesn't really matter what you do.

However when many people say that, they mean mid-high 1XX,000 income (like 150-180k). In that case you could benefit from optimization.
500k to 800k
by hmw
Thu Jun 11, 2020 1:30 am
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5522

Re: What Size Home For A Family?

We have the same problem in Texas. I found that the houses in my city with less than 3000 sq ft were just not very nice. We ended up buying a house close to 4000 sq ft. Ideally for a family of 3-4, I would aim for 2500 to 3500 sq ft.
by hmw
Thu Jun 11, 2020 1:16 am
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3040

2 cars, one driver. Should I sell one?

I have 2 vehicles. My household consists of me and my 9-year old son. I have a 2012 Subaru Outback 3.6 limited at 95k miles and a 2015 Mercedes ML350 at 78k miles. I am not a car guy but I do value reliability. Both vehicles have been good so far. No significant mechanical problems. I anticipate tha...
by hmw
Sun Jun 07, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Help me pick a new iPhone? (recs?)
Replies: 19
Views: 788

Re: Help me pick a new iPhone? (recs?)

OP,

I have a used iPhone Xs Max 256gb that I want to sell.

viewtopic.php?f=11&t=316945

If interested, please pm me. thanks
by hmw
Sat Jun 06, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: How to sell old iPhones?
Replies: 21
Views: 1334

How to sell old iPhones?

I have a couple of old iPhones (7 plus and X max) I no longer use. What is the easiest way to sell them and still get a reasonably good price? I am not interested in becoming an eBay seller, or sell on Craigslist.

Thanks
by hmw
Tue Jun 02, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 6915

Re: Adding Canadian Citizenship - any downsides?

My son has dual US and Canadian citizenship. I see very little downside to having Canadian citizenship. Attending a Canadian university in the future paying domestic student’s tuition fee can be a major benefit. Unlike the US, Canada does not tax non-resident Canadians.
by hmw
Tue Jun 02, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41302

Re: How much is your cell phone bill?

I am currently paying $15/month for unlimited talk and text, 2gb of data with Cricket. But this plan will no longer be available after 7/15. I think I will switch to visible with party pay.
by hmw
Mon Jun 01, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11410

Re: The "Best of" for Aldi?

P.S. I've been going to Aldi's since way back in the 1990's. IMO they have the fastest checkout registers. The ergonomics is amazing. I actually cringe anytime I go to a normal supermarket where cashiers have to bend over, use their back and lift full bags of groceries. For those who haven't been t...
by hmw
Mon May 25, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 81
Views: 3774

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

I think the OP will get better advice on pricing in a Bimmer group than here. My own observation is that it is very common for medical residents to buy fun expensive cars. I realize that the OP is somewhat different than the examples below. When I was a surgery resident, one resident in my program d...