Search found 678 matches

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: 17
Views: 918

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: 3549

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: 304
Views: 49099

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: 3437

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: 1505

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: 11008
Views: 1918031

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: 539

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: 6094

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: 20677

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: 3966

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: 639

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: 3326

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: 718

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: 525

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: 3462

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: 525

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: 10857

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: 1814

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: 1717

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: 854

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: 341

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: 4548

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: 11008
Views: 1918031

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: 3055

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: 1278

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: 92
Views: 6487

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: 2458

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: 1763
Views: 277281

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: 1763
Views: 277281

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: 3288

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: 282

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: 8920

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: 7061

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: 924

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: 2295

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: [Tankless” hot water heater can’t keep up when filling bathtub]
Replies: 13
Views: 1814

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: [Tankless” hot water heater can’t keep up when filling bathtub]
Replies: 13
Views: 1814

[Tankless” hot water heater can’t keep up when filling bathtub]

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: 28
Views: 2502

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: 2892

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: 1205

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: 3188

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: 3188

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: 3341

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: 793

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: 2618

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: 1788

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: 2537

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: 5026

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: 5026

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: 1299

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...