Search found 693 matches

by motorcyclesarecool
Mon Aug 19, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: RV purchase ?
Replies: 32
Views: 1826

Re: RV purchase ?

I’ve borrowed my parents’ travel trailer. It was built by a company that is a unit of Berkshire Hathaway. The build quality is abysmal. The trailer exceeds its weight rating when the propane and fresh water tanks are filled, let alone with your stuff in it. The location of the water tank along back ...
by motorcyclesarecool
Tue Aug 06, 2019 6:05 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7095

Re: Uber Without Smartphone

I would just use a taxi. Surely there is one company in your whole town that is reliable enough. Taxis have a different business model. It is based on picking people up wherever they first see them, dropping them off and repeating. They don't want to drive across town to pick someone up that called...
by motorcyclesarecool
Sat Aug 03, 2019 10:29 pm
Forum: Personal Investments
Topic: Inheriting Taxable Accounts
Replies: 9
Views: 1287

Re: Inheriting Taxable Accounts

Is there a reason why you wouldn’t get a stepped-up cost basis? If so, then I’d liquidate those taxable accounts IMMEDIATELY as it would be federally tax-free.
by motorcyclesarecool
Sat Aug 03, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 1879

Re: Federal employees: FERS and voluntary separation?

Keep in mind: currently your contribution to FERS is negligible. If you have a gap in service and come back later, your contribution would be substantially higher. Does your agency not have a presence in your partner’s city? I think that would be the goal of a hardship transfer.
by motorcyclesarecool
Sat Jul 20, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Sell house by Auction or Agent?
Replies: 14
Views: 1097

Re: Sell house by Auction or Agent?

In my area, auctions of residential real estate are for cash buyers. That limits the pool of potential buyers significantly. Sell through a broker who does lots of volume. We were under contract in a week and closed within 60 days of accepting the offer. Not that much faster than an auction, all tol...
by motorcyclesarecool
Sun Jul 14, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2858

Re: Should I Buy a Motorcycle?

When I rode, I only paid cash for my bikes. I did not carry collision coverage, but I did opt for million dollar medical payments coverage. Now that I have dependents, the cost-benefit analysis has shifted. Once my kids are through college I’ll reconsider. Probably with $5 mill medical payments and ...
by motorcyclesarecool
Sun Jul 14, 2019 5:52 am
Forum: Investing - Theory, News & General
Topic: Fixed Income ETF Liquidity questioned in Bloomberg Article
Replies: 9
Views: 831

Re: Fixed Income ETF Liquidity questioned in Bloomberg Article

I guess I’m defining failure as, in panic selling, the ETF dives far under NAV and circuit breakers repeatedly kick in.
by motorcyclesarecool
Sun Jul 14, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: Can an HOA ARB legally deny a request to install motion sensing SPOT lights
Replies: 19
Views: 2211

Re: Can an HOA ARB legally deny a request to install motion sensing SPOT lights

My “captain obvious” thought is that if you have to ask, then they have the authority either to approve or deny your request.
by motorcyclesarecool
Fri Jul 12, 2019 6:44 am
Forum: Investing - Theory, News & General
Topic: Fixed Income ETF Liquidity questioned in Bloomberg Article
Replies: 9
Views: 831

Fixed Income ETF Liquidity questioned in Bloomberg Article

https://finance.yahoo.com/news/panic-sales-rekindle-debate-over-090023104.html I see a few old threads on the topic of ETF liquidity but nothing recent. In my mind, the dilemma this poses isn’t bond Mutual Fund vs. ETF, but individual bonds vs bond funds. If a bond ETF were to fail, what advantage w...
by motorcyclesarecool
Mon Jul 01, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2247

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

1. Try to get out of work trip. If you cannot, then that employer has unreasonable expectations. Doesn’t get you out of this bind, though. 2. Fly a relative out, if possible. Of course, this answer is so obvious, that you probably wouldn’t be asking if it were feasible for you. Extended family relat...
by motorcyclesarecool
Tue Jun 25, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4544

Re: Triage in ER - charged $790

You escaped for under $1000? When I was in a very minor motorcycle collision with a dislocated shoulder, my ambulance ride to the hospital LITERALLY AROUND THE BEND was $500. When we use the ED, we are paying not just for the incremental cost that most people see, we are also paying significant over...
by motorcyclesarecool
Sun Jun 23, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 39
Views: 2646

Re: Which Fed Employee Health Insurance Plan?

Here is a quick-and-dirty analysis: Toss your EOBs for the past year into a spreadsheet. Assume that all the insurance companies' negotiated rates will be similar. Determine your total outlay for BCBS, including premium and all copays for the entire year. Now take the figures the EOBs, and compute a...
by motorcyclesarecool
Sun Jun 23, 2019 5:28 am
Forum: Personal Investments
Topic: Oddly low Federal Inc Tax Year, how to take advantage?
Replies: 5
Views: 867

Re: Oddly low Federal Inc Tax Year, how to take advantage?

I vote A. Convert now and lock in your low tax rate forever.
by motorcyclesarecool
Sat Jun 22, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Paris hotel recommendations for young family
Replies: 13
Views: 1042

Re: Paris hotel recommendations for young family

I’d recommend trying to be near an RER stop rather than the Métro. RER trains are faster, less crowded, and the stations are less likely to smell of urine.
by motorcyclesarecool
Thu Jun 20, 2019 5:06 am
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5649

Re: Single cup coffee/espresso options, 2019

If you want a low maintenance espresso, Nespresso Originaline is really the only game in town. I tried for a few years to enjoy my Bialetti Moka pot, but is way more fuss and cleanup for a product that is far inferior to S’bux. Get one of the Originaline machines at Bed, Bath, & Beyond. Use one of t...
by motorcyclesarecool
Mon Jun 17, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1169

Re: What to read prior to visiting ancient sites in Athens?

Highly recommend “The Landmark Thucydides” which is a fresh, modern translation that includes lots of additional information about the period.
by motorcyclesarecool
Sat Jun 08, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3813

Re: Toaster ovens - safe? better alternative?

We got our Breville at Bed, Bath, & Beyond. It has a convection fan, and roasts potatoes and vegetables like that was its sole purpose. It also toasts well. I especially appreciate its Bagel mode, which I also use for toasting buns and sliced croissants.
by motorcyclesarecool
Sat Jun 08, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 314
Views: 51694

Re: Improving the TSP [for current participants]

I just reviewed it: 1. The spousal consent provisions are archaic and require notarized signatures. This will, of necessity, keep the processing of all requests on paper and therefore slow & inefficient. Will more paper submissions for more withdrawal options lead to increased costs? This doesn’t lo...
by motorcyclesarecool
Fri Jun 07, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 3720

Re: How to get the lowest mortgage rate?

I don’t know if it’s our good credit, our region, or what, but our local credit unions consistently beat the rates I find on mortgage news daily and bankrate. I got my mortgage broker to match rate and terms with our local CU for our purchase mortgage. Since we closed, rates have plunged significant...
by motorcyclesarecool
Sun Jun 02, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Dual coffee maker suggestion
Replies: 24
Views: 1613

Re: Dual coffee maker suggestion

This scenario is screaming for a Keurig.
by motorcyclesarecool
Sun Jun 02, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11685
Views: 2012383

Re: U.S. stocks in free fall

The Wizard wrote:
Sat Jun 01, 2019 3:32 pm
lostdog wrote:
Fri May 31, 2019 8:22 pm

"The three fund portfolio is like a suit from Sears".

LMAO
Bankerton has his moments, yes...
JCPenney seems like it will outlast Sears. I’d rather have one of those.
by motorcyclesarecool
Sat May 25, 2019 9:06 pm
Forum: Personal Investments
Topic: Keep cash in a HYSA or taxable account for house down payment?
Replies: 4
Views: 591

Re: Keep cash in a HYSA or taxable account for house down payment?

For your risk horizon, the assets you would buy in a brokerage account would tend to earn more interest, and therefore carry no tax advantage versus online high yield savings account. Both accounts are equally taxable. With a longer time horizon you would be well advised to purchase assets that will...
by motorcyclesarecool
Wed May 22, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6526

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

If you’ll consider used, have a look at a Suzuki SX4 or a Jeep Patriot. (Both out of production) The Patriot is a rust magnet. Chrysler extended an anti corrosion warranty to 10 years recently due to issues with Patriot. If you can get a clean one, it’s basically a cruder version of the Forester, fo...
by motorcyclesarecool
Sat May 18, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 148
Views: 21448

Re: Trader Joe's Fans - good value?

(...)and while I don't mind boiling eggs, peeling them is a PITA. Have you tried hard-cooking your eggs in the Instant Pot? 1 cup of water, use the steaming rack, put in as many eggs as you care to cook, 5 minutes under high pressure, 5 minutes’ natural release, and 5 minutes in an ice bath. Easies...
by motorcyclesarecool
Sat May 18, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4167

Re: Instant Coffee?

A Melitta single cup brewer is cheap, no bigger than a coffee mug, has no moving parts, and is quicker than instant coffe, which will taste the same as any drip coffee brewer. Buy half a pound of a nice light roast (more caffeine than dark roast) before your company arrives, and you’ll be golden. Us...
by motorcyclesarecool
Tue May 14, 2019 2:07 am
Forum: Personal Investments
Topic: Fund Fidelity DAF from Vanguard taxable
Replies: 7
Views: 714

Re: Fund Fidelity DAF from Vanguard taxable

The medallion signature guarantee on the form is misleading and needlessly scary. Fidelity themselves will attach the medallion signature guarantee after you submit it to them, prior to them submitting it to Vanguard in turn. I’ve successfully used the form to gift covered and non-covered Vanguard m...
by motorcyclesarecool
Wed May 01, 2019 5:44 am
Forum: Personal Investments
Topic: Gambling with "fun money" (Penny stocks, other ideas?)
Replies: 43
Views: 3511

Re: Gambling with "fun money" (Penny stocks, other ideas?)

I would recommend that you short Tesla stock. It's "fun" because you will make money since bankruptcy is unavoidable (otherwise will be acquired at substantially lower price). I did this after Elon's, "funding secured" lie, at a price of $380. In this stream, look for the most insanely overvalued t...
by motorcyclesarecool
Wed May 01, 2019 4:56 am
Forum: Personal Investments
Topic: How to specify investment direction at Fidelity HSA
Replies: 10
Views: 784

Re: How to specify investment direction at Fidelity HSA

My Fidelity HSA is not through my employer. Using the full website (Fido iOS app is wonky) I was able to set it up to automatically buy my intended mix of mutual funds any time the cash balance exceeded the threshold I set. I think it’s called auto-investment. There is such a feature.
by motorcyclesarecool
Thu Apr 25, 2019 5:45 am
Forum: Personal Investments
Topic: Downsides of rolling over a Vanguard "Rollover IRA" into TSP?
Replies: 4
Views: 550

Re: Downsides of rolling over a Vanguard "Rollover IRA" into TSP?

Another risk is if you commit a crime against your employer, your TSP could be garnished. Look up, “Robert Schofield” for an example that made the newspapers. Of course, I’m not sure if a rollover IRA funded with proceeds of criminal activity would be safe.
by motorcyclesarecool
Thu Apr 25, 2019 4:17 am
Forum: Personal Investments
Topic: 14 years old and looking for investment advice
Replies: 37
Views: 3600

Re: 14 years old and looking for investment advice

Hi thanks for the reply, yes I worked for it but it isn’t in a bank It appears that you could be a solid candidate for a Roth IRA. What is your goal for the $10,000 you’d like to grow your $1,000 into? Depending on your goals, a Roth IRA could make lots of sense. Fidelity has an excellent online pl...
by motorcyclesarecool
Thu Apr 25, 2019 3:49 am
Forum: Personal Investments
Topic: Downsides of rolling over a Vanguard "Rollover IRA" into TSP?
Replies: 4
Views: 550

Re: Downsides of rolling over a Vanguard "Rollover IRA" into TSP?

One risk is that your money would be out of the market for roughly a week or two. Possibly longer if Form TSP-60 isn’t correctly filled out by both you and Vanguard. That risk could be mitigated by breaking up the transfer into smaller chunks. In years where it makes sense for me to make deductible ...
by motorcyclesarecool
Wed Apr 24, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 83
Views: 11316

Re: Pros/Cons of Condo Living?

Make sure your association is big enough to attain economies of scale. Too small, and you might as well pay someone to haul your refuse and cut your grass yourself. Also, find out when the most recent reserve study took place. Associations with solid reserves are better than associations that charge...
by motorcyclesarecool
Sun Apr 21, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: [Tankless” hot water heater can’t keep up when filling bathtub]
Replies: 13
Views: 1877

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
Sat Apr 20, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1802

Re: What's the lowdown on HVAC filters?

What most people don’t understand about filters is that as they load up with contaminant, they become more effective at filtration even as the pressure drop increases. New filters of the same nominal pore size will filter less than the junked up filters they replaced. Replacement schedules of filter...
by motorcyclesarecool
Thu Apr 18, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Cape Cod to Colonial
Replies: 6
Views: 891

Re: Cape Cod to Colonial

You should be prepared to completely demolish the garage and start over with a foundation that will bear the load. If you’re in the snowy northeast you’ll need extensive insulation for the living space above your garage. Also, you can often attain 4 bedrooms for less than a conversion to a colonial ...
by motorcyclesarecool
Thu Apr 18, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Distributions from 529 for International School (Elementary School)
Replies: 5
Views: 358

Re: Distributions from 529 for International School (Elementary School)

Much depends on the laws in your state. Mine wasn’t happy with the TCJA changes and the official 529 website threatens clawback of the state tax credit if one uses it for K-12 tuition. Of course, it has no objection or clawback if I annually roll the funds to a different state 529 that is cool with ...
by motorcyclesarecool
Thu Apr 18, 2019 5:04 am
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 57
Views: 4721

Re: What I don’t understand about Donor Advised Funds...

I’m also in the camp of not leaving money in the DAF for very long, and using the money market option. I’d rather any growth take place in my taxable brokerage account. I can TLH if the market goes down. I lose that benefit if I donate the funds to my DAF. I’ll likely be significantly pre-funding my...
by motorcyclesarecool
Wed Apr 17, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11685
Views: 2012383

Re: U.S. stocks in free fall

Nyet, tovarisch.
by motorcyclesarecool
Sat Apr 13, 2019 5:51 am
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3154

Re: Received wrong vaccine...

My personal experience working as a nursing aide in a hospital demonstrated to me many times that health care professionals are not competent and cannot be trusted. Well that is always mature painting with a wide brush. Just like whatever you do for a living there are competent and not competent fo...
by motorcyclesarecool
Wed Apr 10, 2019 5:21 am
Forum: Personal Investments
Topic: EE Bonds past maturity date
Replies: 17
Views: 1327

Re: EE Bonds past maturity date

Even if you don't redeem your Savings Bonds in the year they mature, you still owe taxes on the accumulated interest in the year. Failure to pay the taxes when due could lead to IRS penalties for failing to report the income. This needs clarification. This is true when they reach FINAL maturity, at...
by motorcyclesarecool
Sat Apr 06, 2019 7:25 am
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 123
Views: 11421

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

Occasionally, long-dated put options on an individual stock whose valuation seems significantly out of whack. I’ve made double digit returns on those bets in my HSA and my kids’ Coverdell ESAs, but it’s been nerve-wracking. It’s been less than 1% of my net worth, and it seems like the market for the...
by motorcyclesarecool
Thu Apr 04, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2574

Re: cost analysis on buying vs. renting skis?

Rule of thumb: If you’re not skiing enough to warrant buying a season pass, you should rent your equipment. Much safer and more cost effective. Annual edge sharpening (Rust Never Sleeps), waxing, binding adjustment, and luggage fees will make it hard to break even. Also, your bindings are what keep ...
by motorcyclesarecool
Wed Mar 27, 2019 4:15 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1820
Views: 294152

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If you are in the US, you should be aware of the tax laws which govern cross-border investing. Otherwise, it's a Canadian site: Welcome to banking in Canada | CIBC , bear in mind that the currency is $ CAD. I was genuinely confused, I would have expected to see a .ca domain. The Canadian charter ba...
by motorcyclesarecool
Tue Mar 26, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1820
Views: 294152

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Here's a new one that I saw online, from CIBC. I'm not familiar with that custodian. It's a lower value one, topping out at $400 for 100k, but handy if you have some to move and no available offers. https://www.investorsedge.cibc.com/en/special-offers/cashback.html An interesting feature is that ra...
by motorcyclesarecool
Tue Mar 26, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 Open Season] FEHB HDHP options for Federal Employees
Replies: 33
Views: 3450

Re: FEHB HDHP options for Federal Employees

What is NFC Payroll? How do we know if our payroll is handeled through that? I work for IRS. According to OPM, all components of the department of the Treasury use NFC and allow Employee Self Service. https://www.opm.gov/healthcare-insurance/healthcare/plan-information/national-finance-center-emplo...
by motorcyclesarecool
Tue Mar 26, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: [Federal Employee - Switching from Reserve Tri-Care to FEHB]
Replies: 5
Views: 314

Re: [Federal Employee - Switching from Reserve Tri-Care to FEHB]

[Moved into a new thread from: FEHB HDHP options for Federal Employees --admin LadyGeek] Hi Everyone. This thread is incredible. Thanks so much. I am a new Federal Employee and I will be switching from Reserve Tri-Care Select to FEHB. (I am still in the Reserves, but I have to because it's required...
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: 147
Views: 9303

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: 77
Views: 7361

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: 983

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: 40
Views: 2421

Re: WiFi Extender

Netgear Orbi is really really easy setup (smart phone app).