Search found 704 matches

by mancich
Wed Nov 06, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Do wool dryer balls work?
Replies: 14
Views: 1311

Re: Do wool dryer balls work?

Thanks for the responses everyone. I may try them out for the cost of $10-$15; not much downside.
by mancich
Wed Nov 06, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 41
Views: 5392

Re: Robinhood, Heading for a Trainwreck?

lukestuckenhymer wrote:
Tue Nov 05, 2019 4:02 pm
Don't give fintech startups your money. These companies exist in a Silicon Fairytale Land where money grows on trees and losing billions every year in the name of growth is an acceptable practice. Why would they be concerned if they lose your money?
+1. Stick with established reputable companies
by mancich
Wed Nov 06, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Do wool dryer balls work?
Replies: 14
Views: 1311

Do wool dryer balls work?

Hello all,

Do wool dryer balls work as well as fabric softener sheets? I had never even heard of them until recently, when I ran across them on Amazon. Thanks.
by mancich
Tue Nov 05, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2958

Re: Should I use a lawyer

No, let your insurance company handle it. If you insist on hiring a firm, I would go with Dewey, Cheatam, and Howe. :D
by mancich
Tue Nov 05, 2019 3:23 am
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2293

Re: New Bosch dishwasher already faulted

Our 5 year old Ascenta does this sometimes. I turn it on, and it shows like 15 minutes on the display, when it should be more like 2 hours. I have to hold the start button for 5 seconds, close the door, it makes some sounds for a minute or so, and then beeps as if it's done. I then open it, turn it ...
by mancich
Tue Nov 05, 2019 3:12 am
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1831

Re: Working from home vs in the office

I worked from home everyday in my last role. Now it is only on Fridays. I miss working from home everyday. I would do it, and maybe going in a few times per month to touch base in person, connect with other people, etc.
by mancich
Sat Nov 02, 2019 12:36 pm
Forum: Personal Investments
Topic: Do you consider pensions as part of your overall asset allocation?
Replies: 67
Views: 5045

Re: Do you consider pensions as part of your overall asset allocation?

Once the lump sum is in my hands (rolled over into an IRA) in a few years, then I will count it. Until then, no.
by mancich
Sat Nov 02, 2019 12:31 pm
Forum: Personal Investments
Topic: Is saving for college using an EID better than a 529?
Replies: 4
Views: 528

Re: Is saving for college using an EID better than a 529?

Thanks all for the responses. I will likely continue the 529 route for education.
by mancich
Sat Nov 02, 2019 4:42 am
Forum: Personal Investments
Topic: Is saving for college using an EID better than a 529?
Replies: 4
Views: 528

Is saving for college using an EID better than a 529?

Hello all, DW and I live in NYS and have been contributing to our daughters' 529 plans for several years. We get the NYS income tax deductions, up to $10,000, for the contributions. My Megacorp allows Executive Income Deferral (EID) over and above my 401k plan, up to 75% of salary, and 100% of bonus...
by mancich
Thu Oct 31, 2019 3:42 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8787

Re: How much do you plan to spend on your children's weddings?

DW and I have 3 daughters (8, 12, 16) :shock: We haven't really talked about it yet, but I can see giving them a fixed amount - say in the $10,000 - $15,000 range, and let them use as they want (wedding, toward a house down payment, investing, etc). I'm curious about this idea, which others have su...
by mancich
Tue Oct 29, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4299

Re: New Computer with or without SSD?

Upgraded my Dell XPS desktop (6 years old) recently with a 500gb Samsung SATA III SSD. Boot-up is like night and day and everything just seems to work quickly and more smoothly. Well worth the money IMO.
by mancich
Tue Oct 29, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8787

Re: How much do you plan to spend on your children's weddings?

DW and I have 3 daughters (8, 12, 16) :shock:

We haven't really talked about it yet, but I can see giving them a fixed amount - say in the $10,000 - $15,000 range, and let them use as they want (wedding, toward a house down payment, investing, etc).
by mancich
Mon Oct 28, 2019 3:13 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164471

Re: [What TV Show Have You Recently Watched?]

The Kominsky Method on Netflix with Michael Douglas and Alan Arkin. 25 minute episodes. I knocked out season 2 yesterday.
by mancich
Sun Oct 27, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Optimum Triple Play vs Altice One?
Replies: 2
Views: 195

Re: Optimum Triple Play vs Altice One?

It may only be for new customers, you may want to check it out
by mancich
Sun Oct 27, 2019 10:09 am
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4311

Re: Do You Pay For Financial Advice?

In the past, I employed Ameriprise for financial planning but never invested with them. I have mostly been a do-it-yourself investor but have sought advice over the years, I worked with an independent broker for years with part of my retirement portfolio. I also took advantage of free portfolio rev...
by mancich
Fri Oct 25, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How many estimates do you get when you need work done on your house?
Replies: 43
Views: 2678

Re: How many estimates do you get when you need work done on your house?

2-3 and referral from satisfied friends/neighbors. We just had our entrance foyer tile redone. Our next door neighbor/friend was very happy with the contractor. He was a little pricier than the other bid I received, but my neighbor raved about how good he was. Sure enough, the foyer came out flawles...
by mancich
Fri Oct 25, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 69796

Re: Why are you NOT buying rental properties?

I am working to simplify my life, not make it more difficult. If I want overexposure to real estate beyond my home, I'll simply buy the Vanguard REIT fund and call it a day. :sharebeer
by mancich
Fri Oct 25, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3740

Re: Is Google Drive enough for me?

For documents that don't get changed often (or almost never once they're completed, like tax returns), I put these sensitive documents inside a Veracrypt container with a very strong password, then save that to Google Drive. For pictures, not worried about anything getting hacked or lost, as I also ...
by mancich
Sat Oct 19, 2019 5:04 am
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 45
Views: 3733

Re: selling house, should we put in sod to replace ugly lawn?

with a 12 month horizon...I'd go the Scotts 4 step plan (or whatever local brand 4 step plan) is available. Buy a spreader - OR ask to borrow a tried and true one. Total cost about $300.00. You'll spend 2 hours buying the necessary stuff (30 mins to the store, 30 minutes figuring out what you need ...
by mancich
Sat Oct 12, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever got car insurance JUST for car rentals?
Replies: 13
Views: 1208

Re: Anyone ever got car insurance JUST for car rentals?

Many credit cards cover damage incurred to the vehicle if you use the card to book the vehicle. Call your credit card company to make sure they offer it. If so, no need to buy any extra insurance. It also would be good to call your regular auto insurance company and understand what they offer for re...
by mancich
Fri Oct 11, 2019 5:10 am
Forum: Investing - Theory, News & General
Topic: "Bogle on Mutual Funds" A Gem
Replies: 23
Views: 2917

Re: "Bogle on Mutual Funds" A Gem

Thank you for posting this sir. The world needs a lot more people like Jack Bogle.
by mancich
Sat Sep 28, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 182
Views: 32582

Re: Cash - Throw it all on the table!!!

12 months in cash
by mancich
Sat Sep 28, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2512

Re: Financing house after divorce

Agree with continuing to rent. +1. Take your time and take everything slowly. You're going through a tough and terrible time, iron things out for a bit before big decisions like buying a home. +2. Rent for a while so you can get your bearings and get your finances back on firmer ground. Focus on yo...
by mancich
Fri Sep 27, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Leaving NYC for retirement, Hudson Valley or PA. etc?
Replies: 21
Views: 2528

Re: Leaving NYC for retirement, Hudson Valley or PA. etc?

If he loves the arts, then the Hudson Valley is perfect. Cold Spring would be perfect, and there's also Beacon. Hudson is further north than those two, but that's also become a very artsy, fun place. +1 I live about 10 minutes from beacon and Cold Spring, and they're great. It is a nice place to li...
by mancich
Thu Sep 26, 2019 3:27 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164471

Re: [What TV Show Have You Recently Watched?]

Inside Bill's Brain on Netflix. 3 part series about Bill Gates and the initiatives he has been working on through the Bill and Melinda Gates foundation. I thought it was very interesting.
by mancich
Fri Sep 13, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Kitchen drawer slide hardware recommendations needed
Replies: 17
Views: 1079

Re: Kitchen drawer slide hardware recommendations needed

You may want to check out cabinetparts.com. They seems to have a good selection, with reviews.
by mancich
Fri Sep 13, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4243

Re: Best Leaf Blower?

I’ve found a backpack blower a pleasure to use as compared to a handheld model. I use a Stihl two cycle gas model. I often run it several hours at a time to clear my well shaded yard. +1000. Especially if you have a decent sized lawn with a lot of tall trees. I have a Stihl BR 550, and have had it ...
by mancich
Sat Sep 07, 2019 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing about money and investing
Replies: 21
Views: 2286

Re: Obsessing about money and investing

Have you thought about seeking professional help? Isn't part of the idea of this site, and the lazy portfolios, to minimize worries and to not have to check every hour on our investments? Not being rude or offensive but your life seems to be overly consumed with worries about a subject you seem to ...
by mancich
Sat Sep 07, 2019 6:58 am
Forum: Investing - Theory, News & General
Topic: Should I change my asset allocation and pay the capital gains?
Replies: 11
Views: 903

Re: Should I change my asset allocation and pay the capital gains?

Excellent points, I hadn't thought about it that way. Overall, if I combine tax deferred and taxable, and exclude the equity in our home and our cash accounts (EF, sinking funds for short term expenditures, etc), we're at 59/41, driven by the large amount I have in a Bond Index fund and Stable Value...
by mancich
Sat Sep 07, 2019 5:24 am
Forum: Investing - Theory, News & General
Topic: Should I change my asset allocation and pay the capital gains?
Replies: 11
Views: 903

Should I change my asset allocation and pay the capital gains?

Hi all, My question centers around our taxable account with Vanguard. We're currently at 79% stocks, 21% Bonds. The portfolio consists of Total Stock Market Index and Target Fund 2025. This was a dumb move on my part before finding the BH forum i.e if I was going to go with a Target date fund, I sho...
by mancich
Sun Sep 01, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 3020

Re: Internet security and vpn

I wouldn’t bother if you’re accessing banking and Vanguard from home, using 2FA. You may also want to look at using a wired connection if you’re really concerned.
by mancich
Sat Aug 31, 2019 1:23 pm
Forum: Personal Investments
Topic: Best interest bearing savings account?
Replies: 34
Views: 4917

Re: Best interest bearing savings account?

Phineas J. Whoopee wrote:
Sun May 12, 2019 6:45 pm
Assuming "best" means highest APY, see Deposit Accounts.

The occupant of the top slot changes frequently.

PJW
+1. And for this reason don’t overthink it. Pick one that offers a high rate and has generally good online reviews for customer service and move on.
by mancich
Sat Aug 31, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: How to clean baked on "carbon" from corners of old cookie sheets
Replies: 27
Views: 2236

Re: How to clean baked on "carbon" from corners of old cookie sheets

We put our inexpensive cookie sheets in the dishwasher. Not sure if that is okay or not, but they come out clean and no worse the wear for it.
by mancich
Sat Aug 31, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 3030

Re: Does anyone have a dishwasher they recommend?

I’m happy with my 5 year old Bosch. Low end model with stainless interior on the sides, plastic on the bottom. It was $600 on sale at Lowe’s. It does a very good job of cleaning and is fairly quiet.
by mancich
Sat Aug 31, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 126
Views: 29275

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I guess I’m lucky so far. Bought an Accord LX 2019 a few weeks ago. Drive it about 90 miles a day for work. So far so good with my back.
by mancich
Sat Aug 31, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: Are You A "Sesquipedalian"?
Replies: 14
Views: 1418

Re: Are You A "Sesquipedalian"?

I am not , though I know a lot of fancy words due to a lot of reading. But simple straight-forward communication is best in my opinion, just as simplicity is best in investing.
by mancich
Sat Aug 31, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 142
Views: 22498

Re: When was the most stressful financial time in your life?

Divorce from first wife in early 90’s. Between alimony and child support, I was paying out over half my net income, and was only making about $30K at the time. It sucked. Had to move back home with my mother for a couple of years. But I survived.
by mancich
Sat Aug 31, 2019 4:49 am
Forum: Personal Consumer Issues
Topic: Lawn Tractor Recommendations?
Replies: 26
Views: 1923

Re: Lawn Tractor Recommendations?

Get another Deere, this time from a dealer, then maintain it well. Should last 15-20 years. I have an LA 115 from 2008, still going strong (knock wood).
by mancich
Sat Aug 31, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6519

Re: What, besides dishes, do you run through your dishwasher?

I put my safety glasses in there on the top rack after an afternoon of yard work in the hot sun. We've also put the floor vent covers in there (top rack) once per year in Spring; gets them nice and clean before it is time to start using the A/C. Finally, our LG gas stove has dishwasher-safe grates, ...
by mancich
Fri Aug 30, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Educating Spouse on Personal Finance
Replies: 60
Views: 3844

Re: Educating Spouse on Personal Finance

My wife is similar to yours. She has no interest, doesn't even ask where our money is or how much. She buys stuff on her credit card, which is paid automatically in full each month from her checking account. I even handle her 401k and IRAs. I have a paper that lists all the accounts we have. I shou...
by mancich
Thu Aug 29, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum rollover to IRA-are withdrawals penalized before 59 1/2?
Replies: 5
Views: 198

Re: Lump sum rollover to IRA-are withdrawals penalized before 59 1/2?

Thank you. If I chose the monthly pension there would be no penalty. Why does rolling it to an IRA then taking distributions cause a penalty to be imposed?
by mancich
Thu Aug 29, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 69796

Re: Why are you NOT buying rental properties?

I don’t have the time or the desire, and prefer to keep things simple
by mancich
Thu Aug 29, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum rollover to IRA-are withdrawals penalized before 59 1/2?
Replies: 5
Views: 198

Lump sum rollover to IRA-are withdrawals penalized before 59 1/2?

Hello all, I have the option to take a lump sum at 55 or after, or a monthly pension check for life. I will be taking the lump sum. If I roll this over to an IRA at 55, then start taking distributions from it before 59 1/2, are those distributions subject to a penalty? Or would they just be taxed at...
by mancich
Wed Aug 28, 2019 3:44 am
Forum: Personal Consumer Issues
Topic: Started mulch project and now have huge piles of excess dirt!
Replies: 25
Views: 2314

Re: Started mulch project and now have huge piles of excess dirt!

Use it to fill low spots in your yard and then reseed next month as the weather cools.
by mancich
Sun Aug 25, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1521

Re: Quicken update headaches

OP here. To close out this thread for anyone who cares. I finally discovered the problem. Windows 10 and Quicken reside on my Samsung SSD. I had turned on Controlled Folder Access for that drive on Tuesday after reading an article on the web. On Wednesday morning, I had installed the Quicken patch....
by mancich
Sat Aug 24, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1521

Re: Quicken update headaches

OP here. To close out this thread for anyone who cares. I finally discovered the problem. Windows 10 and Quicken reside on my Samsung SSD. I had turned on Controlled Folder Access for that drive on Tuesday after reading an article on the web. On Wednesday morning, I had installed the Quicken patch. ...
by mancich
Wed Aug 21, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1521

Re: Quicken update headaches

Just on the phone with tech support for 45 minutes. Shared my screen. The woman tried everything and couldn’t fix it. They’re opening a case. More to come :oops:
by mancich
Wed Aug 21, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1521

Re: Quicken update headaches

Thanks everyone. I’ll dig into this tonight. Really hoping I can figure it out. :confused
by mancich
Wed Aug 21, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1521

Re: Quicken update headaches

Thanks for everyone's comments.
I do have a backup file, from yesterday. I can't open it. I backup my files several times a week, to both an external HD and to the cloud.