Search found 647 matches

by motorcyclesarecool
Mon Mar 25, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 71
Views: 4267

Re: I would like a boat. I also know nothing about boats

Have you taken a boating safety course? See if there is a nearby U.S. Power Squadrons class you can take. Many states also offer classes. Depending on what year you were born, it may be mandatory for you to take one. Is there a local dealer who will let you rent / lease a 17-20’ bowrider for a summe...
by motorcyclesarecool
Sun Mar 24, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 69
Views: 5875

Re: Recommend a good SOCK. Yes, I said SOCK!

In winter season, Costco sells packages of merino wool blend socks. Get those. When I spent 10+ hours per day in a clean room suit, they helped a lot. Hello, I always bought a bag of socks at Target for like 10 bucks and got like 10 pairs in the bag. The socks were Gildan although I hardly cared abo...
by motorcyclesarecool
Sat Mar 23, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: advice on a carpet cleaner
Replies: 14
Views: 839

Re: advice on a carpet cleaner

We have the Hoover SpinScrub one and two small children. Highly recommend. Our friends have a Bissell. It has a better tank system, and the attachments attach more easily, but I vastly prefer the brushes on the Hoover. The Hoover’s brushes are turbo-powered for safety. Our friends’ Bissell is better...
by motorcyclesarecool
Fri Mar 22, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender
Replies: 38
Views: 1924

Re: WiFi Extender

Netgear Orbi is really really easy setup (smart phone app).
by motorcyclesarecool
Thu Mar 21, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Would a thermostatic shower valve solve my tankless hot water temp fluctuations?
Replies: 9
Views: 841

Re: Would a thermostatic shower valve solve my tankless hot water temp fluctuations?

Can you verify that you have a "tankless" setup; most configurations for drawing domestic hot water from a condensing boiler will have a separate tank, with a coil in it, that stores the domestic water. If that is your arrangement, I suspect the problem is with the controls on that unit. https://ww...
by motorcyclesarecool
Sun Mar 17, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Would a thermostatic shower valve solve my tankless hot water temp fluctuations?
Replies: 9
Views: 841

Would a thermostatic shower valve solve my tankless hot water temp fluctuations?

At long last, we’ve moved into our house. It has a high efficiency condensing boiler with a domestic hot water loop built in. Having now showered, and having drawn a bath for my preschoolers, it is proving to be a bit of a chore to maintain a steady temperature. It can range from lukewarm to scaldin...
by motorcyclesarecool
Wed Mar 13, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSA with no fees and max investments?
Replies: 26
Views: 2130

Re: HSA with no fees and max investments?

Just opened an HSA for the first time. So I don't have to use the bank provided by my employer? Nope. The only potential downside of going with a different HSA custodian is it might be harder to do your contributions under a “cafeteria plan” which would reduce your income for FICA and Medicare tax.
by motorcyclesarecool
Wed Mar 13, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Utility bill hits new highs! What can I do?
Replies: 55
Views: 2787

Re: Utility bill hits new highs! What can I do?

Your bill should state the calculated usage. If electric usage is inexplicably increased, call an electrician, you may have a short. If your gas usage is up, you should have a qualified professional check for a leak.
by motorcyclesarecool
Sun Feb 10, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: HVAC contractor did the work, still no bill
Replies: 5
Views: 1193

HVAC contractor did the work, still no bill

We had a gas space heater replaced in November. The company that did it hasn’t sent us a bill. In January as we were taking care of bills, we realized that we hadn’t paid anything for it, and could not find a bill. We called the company. They indicated it was their mistake, and that they would issue...
by motorcyclesarecool
Sat Feb 02, 2019 6:58 pm
Forum: Investing - Theory, News & General
Topic: TSP Thrift Savings Plan expense ratio climbs to 0.04%
Replies: 26
Views: 2735

Re: TSP Thrift Savings Plan expense ratio climbs to 0.04%

In all my years with TSP I've never observed a single error, and my partial transfer to Vanguard showed that TSP was accurate and fast, while Vanguard screwed up even a simple incoming transfer (to the point that I ended up moving everything out of Vanguard, but that's another story). I've left fed...
by motorcyclesarecool
Sat Feb 02, 2019 6:56 pm
Forum: Investing - Theory, News & General
Topic: TSP Thrift Savings Plan expense ratio climbs to 0.04%
Replies: 26
Views: 2735

Re: TSP Thrift Savings Plan expense ratio climbs to 0.04%

I appreciate the sensible reaction in the posts above (contrast with at least one other thread on this forum, where one poster predicted a "death spiral" for the TSP because it failed to match Fidelity's ZERO funds :oops:). I resemble that remark :D. My main thrust then, that remains relevant now: ...
by motorcyclesarecool
Thu Jan 31, 2019 6:18 am
Forum: Investing - Theory, News & General
Topic: Structural Baby Boom Issue
Replies: 27
Views: 3328

Re: Structural Baby Boom Issue

3. The final cheery thought I'll leave you with is most wealth isn't tied up in baby boomer's hands as we might expect. The link below says 1/3rd of baby boomers had nothing saved at age 58, or many claimed they had nothing saved for retirement, and so on. Why? Different reasons of course, but wasn...
by motorcyclesarecool
Thu Jan 31, 2019 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Getting hit with higher tax
Replies: 5
Views: 777

Re: Getting hit with higher tax

If you were planning to give charitably anyway, with the help of a Donor Advised Fund you could “bunch” your deductions into alternating years, and itemize in those years. I’m guessing most of that $50k deduction was income and property taxes. You’ll probably want to dig into your state tax code to ...
by motorcyclesarecool
Tue Jan 29, 2019 6:01 am
Forum: Investing - Theory, News & General
Topic: Valley of the Boom - National Geographic
Replies: 19
Views: 2594

Re: Valley of the Boom - National Geographic

I haven't seen it, but for anyone interested in the topic, I enjoyed the fictional AMC series Halt and Catch Fire, which takes place in the computer industry in the 80's and 90's. I believe it was on Netflix last time I checked. I lost interest in HCF, but I thought the first few episodes were an i...
by motorcyclesarecool
Sun Jan 27, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: How much car maintenance for low value, high mileage car?
Replies: 21
Views: 1771

Re: How much car maintenance for low value, high mileage car?

My rule of thumb: when the annual liability insurance is greater than or equal to the value of the car, I’m done putting parts into the vehicle; fluid maintenance only. Once I’ve obtained a replacement, sell in classifieds (now Craigslist). I have driven a car to the junkyard because I couldn’t sell...
by motorcyclesarecool
Fri Jan 25, 2019 5:21 am
Forum: Personal Investments
Topic: I feel like Transamerica just did me wrong
Replies: 26
Views: 2470

Re: I feel like Transamerica just did me wrong

I’m watching this topic. Would you have recourse through SIPC or CFPB?
by motorcyclesarecool
Wed Jan 23, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 90
Views: 4930

Re: Is it ever worth purchasing an extended warranty for a vehicle?

(....)Then you get sent into the Finance Office, where a guy with oily skin and slicked-back hair spends time telling you how complicated and difficult the product you just bought is, and how expensive it will be when the unreliable parts break down, as they all inevitably will. The solution to whi...
by motorcyclesarecool
Wed Jan 23, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 90
Views: 4930

Re: Is it ever worth purchasing an extended warranty for a vehicle?

phxjcc wrote:
Mon Jan 21, 2019 9:59 pm
Goggle /Range Rover carmax extended warranty/ for a great story on Jalopnik.

Cheers.
Doug DeMuro’s Range Rover finally outlived its Carmax extended warranty. A long financial nightmare for the underwriter is now over. He announced it on Twitter and in his new home at Autotrader.com
by motorcyclesarecool
Wed Jan 23, 2019 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Names for foreign born individuals
Replies: 8
Views: 1291

Re: Names for foreign born individuals

If they married before immigrating, there is going to be a foreign language marriage certificate somewhere, more likely than not. Whether it is practical to obtain a newly issued one is another question entirely. Thinking a little outside the box, your relative can submit a Freedom of Information Ac...
by motorcyclesarecool
Tue Jan 22, 2019 8:01 pm
Forum: Personal Investments
Topic: Has anyone with HSAs with HSABank tried rolling over to Fidelity?
Replies: 24
Views: 2586

Re: Has anyone with HSAs with HSABank tried rolling over to Fidelity?

Make sure you look at the expenses on those funds. Fidelity is known for active management.
by motorcyclesarecool
Tue Jan 22, 2019 2:37 am
Forum: Personal Investments
Topic: Has anyone with HSAs with HSABank tried rolling over to Fidelity?
Replies: 24
Views: 2586

Re: Has anyone with HSAs with HSABank tried rolling over to Fidelity?

Due to some misunderstanding with my HR Department, my HSA contribution to Fidelity went through for pay period 25 of 2018. While I will have to deal with walking this contribution back (as I was not covered by a HDHP for 2018), I can confirm that entering your Fidelity HSA details into NFC does wo...
by motorcyclesarecool
Tue Jan 22, 2019 2:25 am
Forum: Personal Investments
Topic: Has anyone with HSAs with HSABank tried rolling over to Fidelity?
Replies: 24
Views: 2586

Re: Has anyone with HSAs with HSABank tried rolling over to Fidelity?

If I max out my HSA, will Fidelity recognize my insurance contributions as just that and not count it towards my max? I actually don't plan on maxing out but if I I did? Or does HSA limit include insurance contributions? HSA limit includes the “premium pass-through” as well as employer contribution...
by motorcyclesarecool
Mon Jan 21, 2019 8:14 pm
Forum: Personal Investments
Topic: Tax Gain Harvest vs Roth Conversions?
Replies: 8
Views: 458

Re: Tax Gain Harvest vs Roth Conversions?

I plan on retiring in 2 years and have a bunch of IRAs that need converting and also a bunch of taxable TSM that has a high unrealized capital gains. I can't do both within the 12% bracket. If I'm going to be in low bracket, how does one work through the logic of whether to Tax Gain Harvest and inc...
by motorcyclesarecool
Mon Jan 21, 2019 8:01 pm
Forum: Personal Investments
Topic: Tax Gain Harvest vs Roth Conversions?
Replies: 8
Views: 458

Re: Tax Gain Harvest vs Roth Conversions?

While tax gain harvesting will get you a loss that you can declare on current taxes, it will also lower your basis depending on what amount and which shares you sell. People in retirement, I know, wish they had more Roth. Roth is generally last to be spent which means you might have it for decades ...
by motorcyclesarecool
Mon Jan 21, 2019 8:35 am
Forum: Personal Investments
Topic: Which HSA to keep?
Replies: 25
Views: 1590

Re: Which HSA to keep?

Disclaimer: I don’t anticipate being able to max out my TSP this year, so I will be paying medical expenses from my employer linked HSA. YMMV. I did a partial transfer from my HSABank linked TD Ameritrade account to Fidelity. Fidelity interface made it very easy to initiate, and gave me an expected ...
by motorcyclesarecool
Sun Jan 20, 2019 5:49 am
Forum: Investing - Theory, News & General
Topic: Gold ETF "Guarantee"
Replies: 39
Views: 2604

Re: Gold ETF "Guarantee"

...This is why a commodity based currency is so important instead of a fiat based currency. There would be no need for speculation if you were confident your cash would hold value over time. There should be no need to have faith in the polices of a central bank. Not having a commodity based currenc...
by motorcyclesarecool
Sat Jan 19, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling
Replies: 10
Views: 1513

Re: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling

I posted this last week on the cable bill thread. But it's more apt here. If that's not OK, I'll delete it. My wife and I have a small vacation place and rather than pay $100/mo for cable internet we use a Calyx Institute 4G LTE (effectively unlimited data) hotspot. It's $500 the first year, and $4...
by motorcyclesarecool
Sat Jan 19, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 2736

Re: NJ EZ-Pass Why a monthly service fee?

And NY has none....yet. I’ve found that to be the case for transponders issued by the NYS Thruway Authority. Other issuers in NY may be different. It’s hard to obtain one online for out of state residents. I had to buy an “E-ZPass On The Go” at a Thruway service plaza. Then I was able to establish ...
by motorcyclesarecool
Sat Jan 19, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 15815

Re: Who Will Speak for US?

I'm not sure Mr. Bogle would appreciate this comparison, but I think about Ralph Nader and his crusade to improve automobile safety. He famously opened consumer eyes to the dangers of car travel and manufacturers reluctance to improve safety. A combination of increased consumer awareness and govern...
by motorcyclesarecool
Sat Jan 19, 2019 6:38 am
Forum: Personal Investments
Topic: Savers Credit dilemma
Replies: 18
Views: 1420

Re: Savers Credit dilemma

What do you expect your income / taxation situation to be in retirement if one of you dies first? The surviving spouse could find himself/ herself taking about the same size RMDs as before, but now with only the “Single” tax brackets to work with. Depending on the pension survivor’s benefit, and the...
by motorcyclesarecool
Thu Jan 17, 2019 6:51 am
Forum: Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 17095

Re: Why are you NOT buying rental properties?

The laws in my jurisdiction are inconceivably solicitous towards deadbeat tenants. And now they’re making it harder to weed out the deadbeats. No thank you.
by motorcyclesarecool
Tue Jan 15, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 992
Views: 81486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I’m guessing that non-bh types doing cash-only HSAs are staying put. I’m also guessing that employer-sponsored HSAs (especially with an employer contribution and/or cafeteria plan payroll deductions) will be staying put for now. I’m interested to see what PayFlex/AETNA/CVS will do in response.
by motorcyclesarecool
Tue Jan 15, 2019 6:26 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1608
Views: 255051

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Did anyone do the HSBC $750 offer? https://www.us.hsbc.com/checking-accounts/campaigns/premier-offer/?irgwc=1&cid=AFF0000067 I opened the checking account, but I never could figure out how to open an investment account. Every link I found either was dead or took me somewhere irrelevant. It appears ...
by motorcyclesarecool
Sun Jan 13, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chubb’s “deductible reserve”
Replies: 6
Views: 481

Re: Understanding Chubb’s “deductible reserve”

How is this different from “vanishing deductible” gimmickry?
by motorcyclesarecool
Sat Jan 12, 2019 9:03 pm
Forum: Personal Investments
Topic: Convert 401K to tIRA?
Replies: 2
Views: 263

Re: Convert 401K to tIRA?

However, my tIRA balance is currently zero, so rolling over the 401K to a tIRA would cause any future tIRA to Roth IRA conversions to incur taxes on nearly 100% of the conversions. So nondeductible tIRA contributions I do could no longer be converted to Roth w/o incurring taxes. This seems to be a ...
by motorcyclesarecool
Sat Jan 12, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Fidelity HSA: Bill Pay Works From Website, Not in App
Replies: 2
Views: 206

Re: Fidelity HSA: Bill Pay Works From Website, Not in App

whodidntante wrote:
Sat Jan 12, 2019 6:40 pm
I don't spend the money in my HSA. But if I did, I think I would use a rewards credit card and then withdraw money via ACH to pay the credit card bill. You do not need to pay the medical expenses directly.
So I’ll take that as a, “No.”
by motorcyclesarecool
Sat Jan 12, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Fidelity HSA: Bill Pay Works From Website, Not in App
Replies: 2
Views: 206

Fidelity HSA: Bill Pay Works From Website, Not in App

When I attempt to use Online Bill Pay for my HSA in the Fidelity iPhone app, I get an error stating, “We’re sorry but HSA accounts are not available for use with Fidelity BillPay, please select another account.” When I use the Fidelity website, no problem using the bill pay feature from my HSA. My a...
by motorcyclesarecool
Fri Jan 11, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1608
Views: 255051

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

New bonus alert. $200 for 25k at Chase You Invest. https://accounts.chase.com/youinvest/trade/offer?jp_cmp=rb/Chase_Brand_Exact_You+Invest_SEM_US_No+xLOB_Standard_NA/sea/p38425640377/You+Invest I didn’t see cost to transfer out/close account after bonus. Also didn’t see if they’ll cover any fees ch...
by motorcyclesarecool
Tue Jan 08, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12923

Re: Recommendations for a 9mm handgun

I will add that the requirement to pull the Glock trigger before disassembly contributes to a higher than normal negligent discharge rate with the Glock compared with other makers. +1. Almost anybody can be trained to properly use almost any handgun effectively. Figure out what works for you. The a...
by motorcyclesarecool
Mon Jan 07, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tech budget to fix issues
Replies: 26
Views: 1695

Re: Vanguard Tech budget to fix issues

One way or another, it just doesn’t really affect me. I’ve transferred my Roth to Fidelity. Only my taxable account remains. And at some point I’ll convert MFs to ETF shares and ACATS them to Fidelity, too. I’ve had it with their customer service and IT incompetence. So what if I lose my Voyager Sel...
by motorcyclesarecool
Sat Jan 05, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Correction - Worth It? (Likely Investigation)
Replies: 12
Views: 1136

Re: 2016 Tax Correction - Worth It? (Likely Investigation)

I have a different opinion. I don't think it will be popular. If you were fairly certain the birth parents had not claimed him, it's worth it and no big deal. But let's say they did claim him. Something in their lives was completely out of whack in 2016 for them to give up their baby or have their ...
by motorcyclesarecool
Sat Jan 05, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 273
Views: 44984

Re: TSP vs Fidelity Zeroes

When I retire, unless something changes, I’ll be taking a significant fraction of my TSP balance with me (except whatever G-Fund allocation I desire) and putting it into cheaper vehicles. Multiply that out by a substantial fraction of retiree Feds, and FRTIB might be looking at a death spiral if th...
by motorcyclesarecool
Fri Jan 04, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7543

Re: Engagement Ring (Affordable)

Much appreciated, thank you all! Shame it’s become such a social pressure/competition for people. My girlfriend’s brother just dropped 15k on a ring that looks pretty meh, which terrified me haha To put a boglenerd spin on this thread, could gf’s brother’s purchase be a source of anchoring bias? Ho...
by motorcyclesarecool
Thu Jan 03, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10365
Views: 1828884

Re: U.S. stocks in free fall

My stop order wasn’t triggered today. Maybe tomorrow? I wonder why more people don’t use stop orders to automate their TLH? Because when you need them the most is when they are the least likely to work. If the decline is rapid enough, there's no guarantee your order will process even as the market ...
by motorcyclesarecool
Thu Jan 03, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10365
Views: 1828884

Re: U.S. stocks in free fall

My stop order wasn’t triggered today. Maybe tomorrow? I wonder why more people don’t use stop orders to automate their TLH?
by motorcyclesarecool
Thu Jan 03, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10365
Views: 1828884

Re: U.S. stocks in free fall

Oh, we’re getting close to post # 10,000. Who will it be?
by motorcyclesarecool
Wed Jan 02, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 200
Views: 10909

Re: 2019 Hedge Fund Contest

Low Tech Transport Fund

Short
TSLA
GE
IBM

Long
BRK.B
EGLE
CSX
by motorcyclesarecool
Tue Jan 01, 2019 10:46 pm
Forum: Personal Investments
Topic: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?
Replies: 16
Views: 619

Re: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?

OP, I have a feeling it’s not offered by our employer. But you’ve identified something for which we can begin to advocate. Relevant quote from the other thread (emphasis mine) Sorry -- I just saw this. Payflex and Aetna both have info on post-deductible FSA plans. The IRS info I found was in: https:...