Search found 430 matches

by Offshore
Sat Nov 07, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Programmable wireless thermostat for gas insert
Replies: 3
Views: 253

Re: Programmable wireless thermostat for gas insert

marcwd,
Thanks. I'll check it out.
by Offshore
Sat Nov 07, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Programmable wireless thermostat for gas insert
Replies: 3
Views: 253

Programmable wireless thermostat for gas insert

I have a gas insert fireplace that has a basic wireless thermostat. I love it!! However, there is no ability to program. If I forget to lower it at night, it runs to keep room temp up. Is there such a thing as a programmable, wireless thermostat for a gas fireplace?? If so, are they manufacturer spe...
by Offshore
Sun Oct 11, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Tesla Phantom braking
Replies: 28
Views: 2409

Tesla Phantom braking

I've experienced phantom braking several times now, and it is scary. I have a 2019 M3 and have been cruising on the highway at 75mph with autopilot engaged and nobody around, when WHAMO! The car applies the brakes firmly enough to lock the seatbelts and my wife and I lurch forward. I've notice it on...
by Offshore
Sat Oct 10, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7609

Re: Buying a Tesla

Indulge your wants... however, a word of caution. Tesla's are not set-it-and-forget-it. There will be issues and servicing the car is difficult and frustrating. I purchased a dual motor M3 about 1.5 years ago and would not buy another Tesla. I don't want to divert the discussion so I'll leave it at ...
by Offshore
Thu Jul 02, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Kohler OnCue
Replies: 3
Views: 334

Re: Kohler OnCue

I could go either way. OnCue would be cheaper to get at install. To have it, a CAT 5 cable needs to be hardwired from the modem to the generator.

Anyway, thanks for the reply. I'm hoping to also hear from folks who have OnCue and wonder if they use it and how they like it.
by Offshore
Thu Jul 02, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Kohler OnCue
Replies: 3
Views: 334

Kohler OnCue

Seeking feedback on the OnCue option for a Kohler standby generator.

I am really leaning towards getting this optional add on and hope to hear the good, bad and ugly. Do you like OnCue and do you find it useful?

Thanks!
by Offshore
Sat Jun 13, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 54
Views: 5559

Re: College costs not covered by 529

Spirit Rider,
Appreciate your reply. Yes, as soon as I hit "submit" to post my question, I noticed the preceding post. :oops:
I do get lazy on longer threads.

Anyway, thanks for sharing your wisdom!
Offshore
by Offshore
Sat Jun 13, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 54
Views: 5559

Re: College costs not covered by 529

Does anyone know if a laptop computer is a legitimate use of 529 savings? My son is starting engineering school with an interest in comp. science, so this falls into his field of study. He will be a freshman in August.

Is now too soon to buy the computer?

Thanks for your reply!
Offshore
by Offshore
Fri May 22, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 54
Views: 5559

Re: College costs not covered by 529

That makes sense. Thank you Normchad.
by Offshore
Fri May 22, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 54
Views: 5559

Re: College costs not covered by 529

Thanks goodenyou. Regarding the acronyms you used.... R&B is room and board. Can you help with COA?
by Offshore
Fri May 22, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 54
Views: 5559

Re: College costs not covered by 529

How about clothing? Anyone know?
Can 529 savings plans be used for shirts, pants, jackets, underwear, socks, etc.?

I have searched several sites and an unable to find an answer, whether it be yes or no.
by Offshore
Wed Apr 29, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: bond funds in taxable?
Replies: 13
Views: 763

Re: bond funds in taxable?

Doc,
may I ask you (or anyone reading) do you agree that TBM may not be a poor choice to put in a taxable account?

btw, I smiled upon reading your "location". not sure I understand it as you meant it, but I get it enough to appreciate it!
by Offshore
Wed Apr 29, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: bond funds in taxable?
Replies: 13
Views: 763

Re: bond funds in taxable?

magicrat, appreciate your thoughts. can you, ever so briefly... at an easy to understand level, explain why TBM and not TIPS?

TY
by Offshore
Wed Apr 29, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: bond funds in taxable?
Replies: 13
Views: 763

bond funds in taxable?

Other than muni's, are there bond mutual funds that could reasonably go in a taxable account? if you are asking why the change in AA now, it is due to retirement. I no longer have a paycheck and from what I have learned here, muni's make sense for high income tax brackets. my tax sheltered side hold...
by Offshore
Fri Apr 03, 2020 12:04 pm
Forum: Personal Investments
Topic: TBM in taxable account
Replies: 5
Views: 454

Re: TBM in taxable account

mhailey,
thanks for the reply. yes, makes sense to me too. I'm a little unclear on ordinary dividends versus qualified dividends. do you understand the difference and if the spin off from TBM in a taxable account would be qualified dividends for someone with low earnings?
by Offshore
Fri Apr 03, 2020 11:41 am
Forum: Personal Investments
Topic: TBM in taxable account
Replies: 5
Views: 454

TBM in taxable account

I am on a leave of absence from work, meaning, no more paychecks for the remainder of 2020 (I don't anticipate a return to work this year). I have earned about $50,000. this year. This may be the start of retirement, as I am 59 years old and have savings to probably make retirement work. So, my 2020...
by Offshore
Tue Mar 31, 2020 10:27 pm
Forum: Personal Investments
Topic: Question about Muni’s in Taxable
Replies: 8
Views: 874

Re: Question about Muni’s in Taxable

grabiner,
thanks for your reply :happy
by Offshore
Tue Mar 31, 2020 10:06 pm
Forum: Personal Investments
Topic: Question about Muni’s in Taxable
Replies: 8
Views: 874

Re: Question about Muni’s in Taxable

Closer2323, I am in the exact same situation as you, with the exact same consideration. For me, switching out of a municipal bond fund is mostly a move to reduce risk (loss of principle). I want to keep my dry powder dry. Dioremius gave a nice review of this in his reply. The second reason I am goin...
by Offshore
Sat Mar 28, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo Simulation
Replies: 1
Views: 197

Monte Carlo Simulation

I am looking for a Monte Carlo simulator. I know these things are only for simulation purposes and they can be very wrong. Still, I find them interesting. Here's one I've been using. https://www.portfoliovisualizer.com/monte-carlo-simulation#analysisResults Have you found a better simulator? Thanks,...
by Offshore
Thu Jan 30, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 33
Views: 1583

Re: International Bonds

Thank you for the opinions. I wasn't eager to add a new holding anyway. Not going to do it.
by Offshore
Thu Jan 30, 2020 4:09 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 33
Views: 1583

International Bonds

Had a VG advisor review today. She really hammered away at the fact my bond positions lack international exposure. Is this a problem? I am close to retirement and would rather simplify, not add new holdings. However, if diversification into foreign bonds offers benefits I'd do it, especially conside...
by Offshore
Mon Jan 06, 2020 8:51 pm
Forum: Investing - Theory, News & General
Topic: 59.5 asset allocation
Replies: 24
Views: 2871

Re: 59.5 asset allocation

305pelusa, for me, age has been an important factor in choosing an AA (age in bonds) because it gave me the discipline to rebalance year over year. As I look back on the bear markets that stung me badly, it is apparent that the years following those bear markets were hugely important to my portfolio...
by Offshore
Sun Jan 05, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: 59.5 asset allocation
Replies: 24
Views: 2871

Re: 59.5 asset allocation

I'm interested in resurrecting this thread. I am 59.3 with an AA of 44/56. Have subscribed to "age in bonds" AA philosophy. With about 2 years to retirement and having slowed down, I no longer earn enough to pay capital gains tax from a rebalance from my paycheck so we would pay the rebala...
by Offshore
Sun Dec 15, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 82849

Re: Talk me out of buying a Tesla Model 3

OP, I'd like to take stab at answering your challenge statement: "Talk be out of buying a Tesla Model 3" I bought a dual motor M3 (non performance) in March, 2019. I did this because it scored off the charts for crash safety, seats 4 with ample storage and the electric factor is just plain...
by Offshore
Sun Nov 24, 2019 8:22 am
Forum: Personal Investments
Topic: Retirement planning book
Replies: 15
Views: 1357

Re: Retirement planning book

Sorry, I was not as clear as I could have been. I am not looking for a book on how to save for retirement. If anyone knows of a book that
discusses POST RETIREMENT management of your NE$T EGG so it lasts, I'd appreciate the reference.
by Offshore
Sun Nov 24, 2019 8:18 am
Forum: Personal Investments
Topic: Retirement planning book
Replies: 15
Views: 1357

Retirement planning book

Looking to educate myself better. I am 59 years old and 2-3 years from retirement and looking for a good book. I have read our Boglehead's Guide, so other recommendations appreciated. Thanks.
by Offshore
Sat Nov 09, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1368

Re: FirstNet by AT&T

Fascinating, southerndoc. Appreciate your insights. I am very much tempted to try it.
by Offshore
Sat Nov 09, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1368

Re: FirstNet by AT&T

Hedgefundie, I'll keep this brief because I don't want get involved in answering off topic questions. You are incorrect. FirstNet was, in fact, developed for "mission critical" communication. That is point, for first responders to not be lost to communication failure. Second, not all first...
by Offshore
Sat Nov 09, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1368

FirstNet by AT&T

If you are a FirstNet subscriber, this post is directed towards you. On AT&T, I lose service in some hospitals I enter. My colleagues on Verizon don't because the Verizon towers are on the roof, so that tells me cell service is not blocked inside these buildings, it's all about signal strength. ...
by Offshore
Thu Sep 12, 2019 1:51 pm
Forum: Personal Investments
Topic: Gifting to our son
Replies: 14
Views: 2185

Re: Gifting to our son

Thank you for replies and discussion. Especially thankful for this pearl: If your son is potentially eligible for student financial aide the gift income as well as the assets could impact that. In some cases where a child remains a student parents might choose to defer gifting such assets until the ...
by Offshore
Tue Sep 10, 2019 7:15 pm
Forum: Personal Investments
Topic: Gifting to our son
Replies: 14
Views: 2185

Gifting to our son

We have been using a Target Date account at Vanguard to hold our son's birthday money, as well as any other money he may have received over the past 18 years. Since turning 18 this summer, he can now open his own account and we would like to transfer the balance into this account in his name. We und...
by Offshore
Mon Aug 05, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: secured credit card
Replies: 13
Views: 936

Re: secured credit card

thanks to all who replied. appreciate the information, which changed our thinking. we will likely add our son as an authorized user on an exiting account.

Offshore
by Offshore
Sun Aug 04, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: secured credit card
Replies: 13
Views: 936

secured credit card

We would like to get our son 18 year old son a credit card. He has no credit history. I've read that a no annual fee, secured card is a good first card for someone with no credit history. The Journey card from Capital One comes up repeatedly on sites that review these matters. Do any Bogleheads have...
by Offshore
Sat Jul 13, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1014
Views: 221885

Re: Tesla S

https://s1376.photobucket.com/user/Offshore123/story

Impact to rear wheel also (not seen in photo).
by Offshore
Sat Jul 13, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1014
Views: 221885

Re: Tesla S

OP here. It’s been 7 years since I posted my message of excitement over Tesla. I kept up with information on the products and the company and in late March of 2019 I took home a model 3. On June 7th of 2019 I was involved in a hit and run collision. I escaped uninsured. My car sustained $13,000. dam...
by Offshore
Fri Mar 22, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 859

Re: Twitter

I’m convinced. No Twitter account. Guess I’ll remain clueless, TheOscarGuy.
by Offshore
Fri Mar 22, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 859

Twitter [Is mobile number needed to register?]

I don’t do social media, but today I had a moment of weakness. I began signing up for a Twitter account but didn’t complete it. They wanted a mobile phone number to send me a code to complete enrollment. I drew the line here. Too many unwanted calls now. Is this step an absolute necessity to get a T...
by Offshore
Mon Feb 11, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Gas / Electric Fireplace only produces a low flame
Replies: 13
Views: 1178

Re: Gas / Electric Fireplace only produces a low flame

I had exact same issue. Hired a guy who specializes in cleaning gas fireplaces. Disassembled the unit and cleaned everything. It functioned better, but has never produced as big of flame as when it was new.
by Offshore
Mon Feb 11, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Vanguard website rejecting passwords, don't panic
Replies: 14
Views: 2287

Re: Vanguard website rejecting passwords, don't panic

Safari browser is not working. Firefox will. Not sure of other browsers.

Offshore
by Offshore
Tue Jan 29, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 5022

Re: No Heat! (Live in Michigan)

Service technician just left (we got so lucky he was available). So the answer was... Plugged drain line. Cold air intake pulling arctic air from outside caused heavy water condensation in the guts of the furnace. It should be drained, however, the drain line was plugged. Water back up didn't allow ...
by Offshore
Tue Jan 29, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 5022

Re: No Heat! (Live in Michigan)

yeah, I hear you! My wife is lobbying for a hotel. We do have a gas insert in the basement and with space heaters I think we can make it. My wife is lobbying for a hotel, so we'll see how this unfolds (probably a hotel if I'm smart ; )
by Offshore
Tue Jan 29, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 5022

No Heat! (Live in Michigan)

It will be very cold tonight and colder tomorrow. Here's the situation: DC blower motor working, air circulating throughout house. Furnace is making glug-glug-glug from within. I removed a drain cap and about a quart of water drained out. Restored power to the unit, more glug-glug-glug and no gas ig...
by Offshore
Sun Jan 27, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: 529 change of beneficiary
Replies: 3
Views: 397

Re: 529 change of beneficiary

Sorry if my description was not clear.

I found more information. The ownership changed from my sister in law to my wife, and the beneficiary changed as well. Does this help?
by Offshore
Sun Jan 27, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: 529 change of beneficiary
Replies: 3
Views: 397

529 change of beneficiary

My father in law gifted us $30,000., as a transfer of beneficiary from one of is grandchildren to another (our son). The funds were transferred into a newly opened account with my wife named as the recipient. Yesterday, we received a 1099-Q showing a distribution with earnings. Basically, the basis ...
by Offshore
Sat Dec 01, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73386

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

Has anyone changed their bond allocation with he increase in interest rates? Is anyone worried about a bond selloff? We have stayed the course with Total Bond Index and Intermediate Term Tax Exempt. Thoughts and perspectives welcome! I saw a significant TLH opportunity in Intermediate Term Tax Exem...
by Offshore
Thu Nov 15, 2018 5:16 pm
Forum: Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 1756

Re: Vanguard Global Credit Bond Fund

Elysium, If I understand your comment, you think because corporations around the globe have similar access to credit markets, and are offered the same (or very similar) rates, there is not much benefit to a global credit bond fund, unless a super star manager finds opportunities through smart tradin...
by Offshore
Thu Nov 15, 2018 4:47 pm
Forum: Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 1756

Vanguard Global Credit Bond Fund

Seeking opinions on the value of adding VGCAX to my fixed income AA. I'm over half fixed income, and it's all in TBM, TIPS and cash. We know VGCAX has an ER=0.25%. We know it's a global bond fund. We know rather than government-guaranteed bonds, the fund will hold mostly investment-grade credit bond...
by Offshore
Sun Jul 29, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 4038

Re: Boy's first job

Thank you for your replies. We have homework to do regarding vesting period and such. Appreciate the sharing of first job work experiences. I can remember mine too (besides a paper route). I was a restaurant dishwasher. Hot and dirty work for minimum wage. I can't remember the wage, but I do remembe...
by Offshore
Sun Jul 29, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 4038

Boy's first job

Our teenage son started his first job, collecting shopping carts from the parking lot of our local grocer. Bottom rung of the employment ladder, but we're proud he found the job by himself. He earns about $9.70/hour and he's over the moon with this wage! Here is my question... his employer will cont...
by Offshore
Sun May 20, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 10297

Re: Tesla Autopilot, worth it?

I have the differing opinion of "not now", and here's why. If you are like me, you are unwilling to shell out the cost of a model S, so you wait for the model 3 that fits your wishes. The cost of EA is $5000. at time of configuration, or $6000. later. Even at $5k, EA is about a 15% option....