Search found 324 matches

by abner kravitz
Thu Sep 20, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1163

Re: Painting kitchen cabinet

I repainted our cabinets using the Rustoleum Kitchen Cabinet Kit. The result was pretty darn good, but it was a lot of work. It helps a lot if you have a big indoor staging area, like a garage. Total cost was probably about $300, including all new hinges.
by abner kravitz
Tue Sep 18, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89448

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

American Vandal Season 2 on Netflix. It's a spoof of true crime documentaries. It is silly, but I am enjoying it.
by abner kravitz
Tue Sep 18, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Negotiate Washington Post Subscription
Replies: 8
Views: 520

Re: Negotiate Washington Post Subscription

I don't know if this helps you, but an online subscription is $4 a month if you have Amazon Prime, after 6 free months
by abner kravitz
Sun Sep 16, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1282

Re: Embarking on a large-scale home update

Keep a bathtub. You never know.
by abner kravitz
Thu Sep 13, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Online Secure Storage - FidSafe vs other options
Replies: 5
Views: 407

Re: Online Secure Storage - FidSafe vs other options

I use FidSafe. I find it very easy to use. I store copies of receipts, medical records, etc. I do cross out my SSN if it is on any document (which is rare), so if there is ever a breach it is not a huge deal to me. I assume it is secure, but I am not a tech expert.
by abner kravitz
Tue Sep 11, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3495

Re: How often do you guys get alignment done on your cars?

I have never had one done, outside of any tire installations that included it as part of the deal. You sure? there's a difference between "mount and balance" and an alignment, which usually incurs a hefty extra cost Yes, I'm sure. Some tire and auto shops include an alignment, but you don't get a W...
by abner kravitz
Tue Sep 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3495

Re: How often do you guys get alignment done on your cars?

I have never had one done, outside of any tire installations that included it as part of the deal.
by abner kravitz
Mon Sep 03, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1499

Re: F2 Tornado just slammed our area - Any way to recover expenses?

If your area was declared a Federal Disaster Zone, maybe FEMA would help. I know they spent millions for tree damage in my area after a hurricane. I don't really know the rules or if it would cover your type of loss, but that's the only thing I can think of. I would contact my local government first...
by abner kravitz
Mon Sep 03, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6720

Re: Walmart is not Amazon

I think they have had some growing pains but are getting better. In the past, I have had 4-item orders come in 4 boxes on 4 different days, but that doesn't happen anymore. I always compare with Amazon, because often they are cheaper, and sometimes the price difference is significant. I've never had...
by abner kravitz
Fri Aug 17, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3387

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

My cash management account only has FDIC sweep available as the core position. How do you set up the account using money market? Do you just purchase the fund? How do you get it to auto liquidate when cash is needed? Thanks. Yes, just buy SPRXX (or another Fidelity MMF) and it will be liquidated as...
by abner kravitz
Fri Aug 17, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3387

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

My cash management account only has FDIC sweep available as the core position. How do you set up the account using money market? Do you just purchase the fund? How do you get it to auto liquidate when cash is needed? Thanks. Yes, just buy SPRXX (or another Fidelity MMF) and it will be liquidated as...
by abner kravitz
Sun Aug 12, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3573

Re: Cleaning gas grill

We do a lot of grilling now with a cast iron skillet right on the grill. Cuts way down on cleaning, and steaks and burgers come out great.
by abner kravitz
Thu Aug 09, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89448

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

Watched the first episode of Succession. We weren't sure as it started, and almost turned it off, but couldn't quite do it. That was our feeling through the entire episode. Now we aren't sure we want to bother with Episode 2. But... we aren't sure we *don't* want to watch Episode 2. Oddly torn. RM ...
by abner kravitz
Mon Jul 23, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: AT&T Stock?
Replies: 17
Views: 2125

Re: AT&T Stock?

I own a chunk that I received as compensation, but have been selling it off in pieces. T's debt load is pretty scary. I believe they will not cut the dividend except as an absolute last resort, but I wouldn't look for a lot of capital appreciation here. I also sold some Hasbro last week, and its up ...
by abner kravitz
Wed Jul 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3334

Re: suit shoe combo?

Jack FFR1846 wrote:
Wed Jul 18, 2018 1:33 pm
If you don't mind those who might not know you later talking and identifying you as "the clown with the red sneakers", then go for it.
+1
by abner kravitz
Fri Jul 06, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 7171

Re: Fidelity cash position

mattsm wrote:
Fri Jul 06, 2018 2:50 pm
Does Fidelity automatically liquidate this to cover expenses?
I believe they will only automatically liquidate money market funds. That is what the Fidelity rep told me today.
by abner kravitz
Thu Jul 05, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8472

Re: Tipping at non sit down places

I generally throw a buck or two in the jar if there is one, as long as the service is pleasant.
by abner kravitz
Mon Jul 02, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5086

Re: Do you own just 5% of anything?

About 5% of my portfolio is in "reach for yield" type stuff - BDECs, preferreds, MLPs, REITS, high yield bonds. Probably averages close to 7% yield. I consider them added diversification and the monthly income is helpful for cash flow, but I'm sure they have probably underperformed.
by abner kravitz
Mon Jul 02, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16106

Re: Retirement Destination - are you happy with your choice?

We based on our decision on having come to the area for many years on vacation - the thought being, if that is where you like to spend your precious vacation, why not live there when retired. The climate suited us, and taxes were reasonable. Overall, it's been a good choice for us. The downside is t...
by abner kravitz
Sun Jul 01, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13901

Re: What are your property taxes?

Property taxes for me are a little over .4% of value. Very weird system in South Carolina (or parts of it at least). Second-home and investment property owners pay the school taxes, while full-time residents do not.
by abner kravitz
Sun Jul 01, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3309

Re: States that are investments/tax unfriendly?

That being said. we've looked at States with more favorable taxation and a climate we could possibly tolerate. South Carolina doesn't tax SS either, and is implementing a new break that will take full effect by the year 2020. That law gives a 30k deduction per person over age 65 for any retirement ...
by abner kravitz
Sat Jun 30, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3309

Re: States that are investments/tax unfriendly?

That being said. we've looked at States with more favorable taxation and a climate we could possibly tolerate. South Carolina doesn't tax SS either, and is implementing a new break that will take full effect by the year 2020. That law gives a 30k deduction per person over age 65 for any retirement ...
by abner kravitz
Fri Jun 29, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Using the Total Bond Fund in a rising rate environment
Replies: 72
Views: 9137

Re: Using the Total Bond Fund in a rising rate environment

Seems like an inappropriate response to me - the investment opinions of an individual should really not determine plan choices. Interest rates are probably going to go up, but who knows. There are other reasons to hold a low cost bond fund besides the direction of interest rates.
by abner kravitz
Fri Jun 29, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: YOUR rate of return
Replies: 15
Views: 2022

Re: YOUR rate of return

7% at 60/40 (one year)
by abner kravitz
Fri Jun 29, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1973

Re: Anyone use T-mobile cell network?

I tried T-Mobile for the attractive price, but it didn't work as well as AT&T for me.
by abner kravitz
Thu Jun 28, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4252

Re: Any Reason to Keep My "Landline" Phone?

I do a lot of outbound calling on my landline. Its nice to have great reception and no dropping, which isn't always the case with my cellphone. It's included in my cable bundle, so I don't really know how much it costs though. And I keep the ringer off.
by abner kravitz
Thu Jun 28, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2948

Re: Financial Newspapers & Publications

I got Barron's a few years back with leftover airline miles. The subscription was for one year, but it just keeps coming. I'd be OK if it stopped. Some of the articles are interesting, but 2/3 of the paper is stock and fund quotes.
by abner kravitz
Fri Jun 22, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8749

Re: how to make friends in new location?

have you thought about learning Bridge? Should find people in that age range, and bridge players are extremely interesting/successful/intelligent. It's the best mind sport in the world, and you can find local clubs wherever you go. Also, it's a sport so you can play socially or competitively depend...
by abner kravitz
Thu Jun 21, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34769

Re: What is/ was your career and would you recommend it now?

Corporate Finance at Megacorp. The pay and benefits were very good and the hours were usually reasonable. I also retired the first day I was eligible for retirement benefits, because I didn't like it all that much. Corporate BS can be soul-sucking.
by abner kravitz
Mon Jun 11, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18333

Re: Life in retirement - what did you do today?

I played duplicate bridge today in a STaC game. Scored some silver points. If you are a duplicate bridge player you will understand what all that means. I also played duplicate today with the wife. Last place! I took up the game to try to keep my mind sharp, but it may be having the opposite effect...
by abner kravitz
Thu Jun 07, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Suggested HSA Provider
Replies: 9
Views: 832

Re: Suggested HSA Provider

jhfenton wrote:
Wed Jun 06, 2018 1:30 pm
I don't believe Fidelity offers HSAs to individuals.
I am pretty sure this is correct.

If you do happen to have your 401K with Fidelity, it is most likely available. It is really good.
by abner kravitz
Sun May 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Vacation Rental Question
Replies: 5
Views: 830

Re: Vacation Rental Question

I used to rent my vacation home through VRBO. Many people asked for something off the price, it was very common. I had the listed price, and a floor I wouldn't go below. Can't hurt to ask.
by abner kravitz
Sun May 20, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Help Selling Stock to Diversify
Replies: 9
Views: 563

Re: Help Selling Stock to Diversify

Go for the biggest loss. You can deduct $3K in capital losses each year. Assuming your tax rates are not going to increase in retirement, its better to harvest the losses IMO.
by abner kravitz
Sun May 20, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6694

Re: What’s your phone/internet bill?

Poppy1234 wrote:
Sat May 19, 2018 11:29 pm
Anyone with ATT wireless? How much are you paying?
$75 for 2 lines and 3 GB data. Phones owned outright.
by abner kravitz
Sat May 19, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6694

Re: What’s your phone/internet bill?

$320 for everything. Yikes. $209 for landline/internet/TV - all premium channels and 100MB internet $75 for wireless - 2 lines $24 for Netflix and Hulu $12 for NHL Center Ice Hulu will be gone when the Handmaid's Tale is over. My wife likes that show. I don't know what to do about the rest of the st...
by abner kravitz
Thu May 17, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3527

Re: Hot food flavoring (sauces, spices and peppers)

Chiu chow chili oil is awesome. Probably not good for you though.
by abner kravitz
Mon May 14, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5451

Re: College laptop for fall 2018 freshman

Both of my college kids and I have the Dell XPS 13. You want something reasonably rugged and small for hauling around in a backpack. A lot of college kids have Macs, but a lot don't. I work at a college and did some talking to students. Checking with the department is smart. We un-Apple wherever po...
by abner kravitz
Thu May 10, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8350

Re: Alternatives to Amazon

I use Walmart.com a lot now. I bundle the purchases so I spend $35 and get the free shipping. I find their prices to be better than Amazon frequently. Their fulfillment has improved significantly also. It was common in the past for a 4 item order to come in 4 separate deliveries, but that hasn't hap...
by abner kravitz
Wed May 09, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7805

Re: Gold ball cracked my house window. Do I have any recourse?

I live on a golf course and one of my window is cracked from a golf ball (yes I know the risk of living on a golf course) I was just wondering if I have any recourse from HOA or the owners of the golf course. I would check with your HOA and ask what you should do. My HOA covers that cost, which I a...
by abner kravitz
Wed May 09, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Estimating cost of granite countertop renovation
Replies: 19
Views: 1730

Re: Estimating cost of granite countertop renovation

Rule #1 - never use Home Depot, Lowe's, or any other big box store to do home improvements for you. I tried it one time and I'll never do it again. I had a really positive experience with Home Depot in my previous home. Quartz countertops and ceramic tile floor, and the work was flawless and done o...
by abner kravitz
Wed May 09, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1863

Re: Rental Cars:National, Budget, Alamo or Thrifty

I just used Alamo (not by choice, but through Hotwire). The car and the experience were excellent. Of course, YMMV
by abner kravitz
Wed May 09, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 6132

Re: How to handle problem employee

I bet that 20 years down the line, if you're still a manager, you'll say "I can't believe I thought SHE was a big problem". It sounds to me like you are still coming to grips with the fact that managers don't always get 100% blind obedience, like you were used to providing. Don't let it upset your e...
by abner kravitz
Thu May 03, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9021

Re: Bucket List Adventures/Activities

I only have a couple, pretty boring

- Boston Bruins Stanley Cup playoff game in Montreal
- One long trip to Europe (never been)

My wife's list is a lot longer......
by abner kravitz
Thu May 03, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Do you use computer glasses?
Replies: 16
Views: 1503

Re: Do you use computer glasses?

I don't. I have a really big monitor and don't sit that close to it.
by abner kravitz
Thu May 03, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 1072

Re: Technical Questions About Dumping Comcast Internet

Make sure you get receipts showing you returned any Comcast equipment. They are famous for billing customers for personally owned equipment or "unreturned" Comcast equipment that they lose. After the hassle I had to through to avoid them sending me to collections for not returning the modem that **...
by abner kravitz
Wed Apr 25, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security computing question
Replies: 12
Views: 1328

Re: Social Security computing question

Search "Neurosphere's social security calculator" on this site. This gentleman (or lady) has built a great tool for calculating benefits.
by abner kravitz
Tue Apr 24, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 10
Views: 1510

Re: Computershare Transfer Question

I'm getting ambiguous official answers. Has anyone here transferred shares from Computershare Transfer Agent to Vanguard? How was the process like and what specifically did you have to do to transfer shares? I only get annual statements from Computershare and I'm planning on mailing that, has that ...
by abner kravitz
Tue Apr 24, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: anyone convert PONAX to PIMIX at Fidelity?
Replies: 10
Views: 1486

Re: anyone convert PONAX to PIMIX at Fidelity?

With regard to your buying and selling of PONAX, the front load fee for PONAX is supposed to be waived for all future purchases in your accounts that had PONDX. Accounts that had PONDX converted to PONAX are supposedly grandfathered in to this privilege. Whether Fidelity implemented this fee waivin...
by abner kravitz
Tue Apr 24, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 54
Views: 7662

Re: Downloadable Social Security Benefit Estimator (repost)

I put in my earnings and was within a couple of dollars of the official social security estimate. This is particularly helpful for me, since ANYPIA does not work with newer MACs. Thanks! It should be exact (except that I do not show decimals in my spreadsheet, e.g. for the PIA), not off by a couple...