Search found 3257 matches

by hudson
Wed Aug 12, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15993

Re: Portable Generators and running extension cords?

What you are looking for is called a power in let. I have this one: https://images-na.ssl-images-amazon.com/images/I/71NQG-uHDJL._SX425_.jpg Mine goes into my breaker box, where it terminates on a 240V/30A breaker that has an interlock with the main breaker. When the power goes out, I start the gen...
by hudson
Wed Aug 12, 2020 6:41 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15993

Re: Portable Generators and running extension cords?

How do you run extension cords into the house? Do you just leave the door open? My setup for my portable is to run the extension cords under my closed garage door in the basement or the garage on the first floor. My interior door for the basement and the upstairs have rubber weatherstrip attached t...
by hudson
Wed Aug 12, 2020 5:47 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15993

Portable Generators and running extension cords?

How do you run extension cords into the house? Do you just leave the door open?
by hudson
Tue Aug 11, 2020 7:25 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21797

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by hudson
Mon Aug 10, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 368
Views: 47044

Out the door prices SELECT only...for one year

Select now includes online...at home

Maybe these numbers will help the next caller know what prices others are getting. I'm to lazy to call back and try to get neilpilot/denovo prices....maybe next August.

Calli114 $94
Hudson...me...$88.37
neilpilot....$72.84
denovo....$72.84
by hudson
Mon Aug 10, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

Email or Web Contact form initially - there was no email address listed for most of them. Phone on some followups. The "winning" bid was 100% email until I got a call from the rep's boss just wanting to confirm I was ordering and reviewing the vehicle, timelines, and numbers. Thanks BanditKing! You...
by hudson
Mon Aug 10, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 368
Views: 47044

Re: Don't pay full price for SiriusXM radio

catdude,

If possible and appropriate, would you give the out the door price that you paid for total access?
by hudson
Mon Aug 10, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

BanditKing,

Did you primarily use email, phone, or other?
by hudson
Mon Aug 10, 2020 10:11 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 151
Views: 13910

Re: Bond Alternatives in the time of Zero rates

For those seriously considering bond alternatives, Larry Swedroe's book, The Only Guide to Alternative Investments You'll Ever Need: The Good, the Flawed, the Bad, and the Ugly (Bloomberg Book 42) , might be worth a look: https://www.amazon.com/Only-Guide-Alternative-Investments-Youll-ebook/dp/B003...
by hudson
Mon Aug 10, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: Inflation, TIPS and asset allocation
Replies: 74
Views: 3807

Re: Inflation, TIPS and asset allocation

One final question for you (or anyone else): I'm from Europe and look for exposure to the US dollar (so I don't want currency hedging). I figured out to invest in TIPS (for example TIP ETF) is one of the safest ways to do that, because if the dollar rises against the euro, I would profit (normally)...
by hudson
Sun Aug 09, 2020 4:58 pm
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 151
Views: 13910

Re: Bond Alternatives in the time of Zero rates

For those seriously considering bond alternatives, Larry Swedroe's book, The Only Guide to Alternative Investments You'll Ever Need: The Good, the Flawed, the Bad, and the Ugly (Bloomberg Book 42) , might be worth a look: https://www.amazon.com/Only-Guide-Alternative-Investments-Youll-ebook/dp/B003N...
by hudson
Sun Aug 09, 2020 7:23 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 151
Views: 13910

Re: Bond Alternatives in the time of Zero rates

It's great reading about all of the fixed income alternatives; when I have time, I'll post a brief summary of all of the possible solutions brought up here...unless someone beats me to it. :) For now, I'm going to stick with the classic safe fixed income solutions even though the yields make me hold...
by hudson
Sun Aug 09, 2020 5:13 am
Forum: Personal Consumer Issues
Topic: Another Toilet Question
Replies: 26
Views: 2481

Re: Another Toilet Question

Great discussion! I pulled and repaired my toilets for years until I pulled something in my back. Setting a toilet puts a severe strain on the lower back. I decided that I would never pull or replace another toilet. I never had the level of expertise that others have shown in this discussion, but I ...
by hudson
Fri Aug 07, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

I imagine the dealer I bought from preferred the certainty of an assured lower profit now over the potential to sell their allocation later to someone willing to pay more, but who may or may not actually ever materialize. Or that dealer needed to make one more sale to reach his quota or a sales goa...
by hudson
Fri Aug 07, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

One interesting footnote was the responses from the local "no haggle" dealers. One came in very high. For the other one, I reached out to the salesman who gave me a test drive. No response which I assume was because I was a no nonsense customer asking to compete on OTD price. I had the same experie...
by hudson
Fri Aug 07, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 201
Views: 18764

Re: What percent of net worth should a persons house be?

I had a negative net worth when I bought my first house, so I guess it was something, so it was probably a ratio of minus 1200% or something. Utterly nonsensical. Currently, house value is about 17% of net worth...... Same here. I bought a house just after I started working; I didn't use any rules ...
by hudson
Fri Aug 07, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

GmanJeff,

It pays to shop around!
by hudson
Fri Aug 07, 2020 7:02 am
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15546

Re: What happens if you run out of money in retirement?

I'm trying to think what I would do if I ran out of resources. Most everything has already been said. I guess that I would do my best to stay dry, warm, and fed. I would do everything in my power to live cheap and make it work. If it didn't work out....I would try to be a low maintenance type person...
by hudson
Thu Aug 06, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

Re: Paying cash for a new car... should I let them run my credit?

JackoC, I only negotiate by phone....using a version of the denovo car buying discussion. I check the dealer’s inventory online before calling and request an out the door price on a specific model. That helps me screen out dealers that won’t play. Most dealers only take around $3K in credit card pay...
by hudson
Wed Aug 05, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

Started my formal bid process yesterday on a new Highlander. Reached out to nine local(ish) (within about 2 hours) Toyota dealers with my specs and desired options asking for an OTD price. As of today, 24 hours later: Four have provided me with OTD pricing, one immediately called me and then went d...
by hudson
Mon Aug 03, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 66
Views: 6882

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

I've been mulling the idea of owning a 2nd home in the NC mountains (likely close to Beech/Banner Elk or Sugar Mountain) I would personally never have a 2d home; it's too much work. I am in favor of other people having 2d homes. :) I love renting houses in the NC mountains! The VRBO/AIRBNB landlord...
by hudson
Mon Aug 03, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

Re: Paying cash for a new car... should I let them run my credit?

For TA, they did run my credit, despite knowing up front I'd be paying cash. Not sure the purpose, they gave some explanation, and I don't really care all that much (probably less than I should). If your credit is frozen, how bad is it to give out your social security number...to a supposedly hones...
by hudson
Mon Aug 03, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

Re: Paying cash for a new car... should I let them run my credit?

If your credit is frozen, how bad is it to give out your social security number...to a supposedly honest business ? I gave mine today on some kind of medical insurance form. If the lady that I gave it to was an identity thief, what could she gain? Emphasis mine. When was the last time you considere...
by hudson
Mon Aug 03, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

Re: Paying cash for a new car... should I let them run my credit?

For TA, they did run my credit, despite knowing up front I'd be paying cash. Not sure the purpose, they gave some explanation, and I don't really care all that much (probably less than I should). If your credit is frozen, how bad is it to give out your social security number...to a supposedly hones...
by hudson
Mon Aug 03, 2020 5:34 am
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3700

Re: best mesh wifi system on the market?

another review...same result...Eero = Amazon https://bestreviews.com/best-mesh-wifi-systems this "review" = empty rehash of amazon reviews. no substance or depth. not much more than an another affiliate-revenue platform that plagues the internet hunoraut, you're probably right....what about this on...
by hudson
Mon Aug 03, 2020 4:49 am
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3700

Re: best mesh wifi system on the market?

02nz wrote: Fri Jul 31, 2020 5:22 pm https://www.nytimes.com/wirecutter/revi ... king-kits/

They seem to like Eero. No experience myself but lots of positive testimonials.
another review...same result...Eero = Amazon
https://bestreviews.com/best-mesh-wifi-systems
by hudson
Mon Aug 03, 2020 4:40 am
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

Re: Paying cash for a new car... should I let them run my credit?

They electronically scan our personal check (no special certified or cashiers, etc) and appears the scanning of the check is electronically sent and confirmed by a third party or something. I bought a vehicle on the last day of 2012. (Credit frozen...score good) The finance guy scanned my check and...
by hudson
Sun Aug 02, 2020 5:16 pm
Forum: Personal Investments
Topic: VWIUX or VTEAX?
Replies: 8
Views: 647

Re: VWIUX or VTEAX?

Hi Bogleheads On the surface, these 2 funds seem very similar. Is there a compelling reason to select one over the other? VWIUX works better if you ever tax loss harvest because it does daily accrual. VTEAX/VTEB do not. Thanks. What would be a good TLH partner for it? Maybe Limited Term or Long Ter...
by hudson
Sun Aug 02, 2020 4:31 pm
Forum: Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 10
Views: 953

Re: Buying secondary market TIPS via Vanguard Brokerage

Thanks again Kevin!
It sounds like there are no sneaky haircuts; I'll just need to learn the system and shop around.
by hudson
Sun Aug 02, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 4001

Re: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?

I never use a debit card. I called my credit union and asked if there was another kind of card I could use to get money from and ATM machine. They sent me an ATM card. No VISA or MCARD is showing. The credit union website says that this ATM card can be used at Interlink or Maestro merchants only wit...
by hudson
Sun Aug 02, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8372

Re: What Car Maintenance Do You Do?

For 30-40 years I did most of the maintenance and all of the easy stuff. I don't like the new style oil filters....some are too much trouble to get to. I haven't changed any oil in years. Now I might swap out a battery; I might not. Vehicles don't need as much maintenance; everything lasts longer. M...
by hudson
Sun Aug 02, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7525

Re: "Hobby" Money: Planes, cars, boats etc...

Mountain biking is relatively inexpensive. Now I'm guessing a bike would cost a couple of thousand with a few hundred a year to replace worn out parts of the drive train and tires. I had my 2003 mountain bike re-framed and upgraded in 2011 for $1500; I'm still riding it. I haven't spend a dime in th...
by hudson
Sun Aug 02, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7525

Re: "Hobby" Money: Planes, cars, boats etc...

Sandtrap wrote: Sun Aug 02, 2020 2:26 pm Has anyone ever parachuted from a perfectly good airplane?
j🌺
HA! Yes 1970-1972...25-30 times for a little extra pay.
by hudson
Sun Aug 02, 2020 3:31 pm
Forum: Personal Investments
Topic: VWIUX or VTEAX?
Replies: 8
Views: 647

Re: VWIUX or VTEAX?

Kookaburra wrote: Sun Aug 02, 2020 12:18 pm Hi Bogleheads

On the surface, these 2 funds seem very similar. Is there a compelling reason to select one over the other?
VWIUX works better if you ever tax loss harvest because it does daily accrual. VTEAX/VTEB do not.
by hudson
Sun Aug 02, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

How bad are credit checks?

How big of a deal is it when a dealer checks your credit? It doesn't dip down that bad does it? I've seen my drop say 20 points in a month where I put too much on one credit card. It came back to where it was the next month. My credit score according to my Amazon Chase Card web page was still OK. Fr...
by hudson
Sun Aug 02, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: VWITX (Vanguard Intermediate Tax Exempt) Yields
Replies: 12
Views: 1291

Re: VWITX (Vanguard Intermediate Tax Exempt) Yields

I believe that VWITX is safer than the total bond fund. It's holdings are around 90% AAA/AA/A. I believe that munis fall just behind US government bonds in safety. This would usually be the case, but the corporate bonds in Total Bond currently have an implicit bid from the Fed while munis do not. Y...
by hudson
Sun Aug 02, 2020 11:37 am
Forum: Investing - Theory, News & General
Topic: VWITX (Vanguard Intermediate Tax Exempt) Yields
Replies: 12
Views: 1291

SEC Yield and Distribution Yield

I agree with most everything that's been said about SEC vs Distribution Yields. If you are going to buy a fund and forget about it and just hold it long term, yes look at the SEC Yield. If you are comparing funds, yes use SEC Yield. If you are going to buy a fund and keep an eye on it, distribution ...
by hudson
Sun Aug 02, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9513

Re: Paying cash for a new car... should I let them run my credit?

Cenvin, If I didn't want them to run my credit, I would seek out the final best "out the door" (OTD) deals from say 2-3 dealers. Then I'd call the dealer with the best deal and tell them that I'm ready to buy if the conditions are right. See if they'll agree to your terms before you make a deal. If ...
by hudson
Sat Aug 01, 2020 5:49 pm
Forum: Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 10
Views: 953

Re: Buying secondary market TIPS via Vanguard Brokerage

Old discussion....but it's the right subject for me...

If you buy TIPS on the secondary market through Vanguard, what should you look out for?
Do you have to be a savvy buyer, or can you just buy?
Is it easy for a novice to take a "haircut?"
by hudson
Sat Aug 01, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3700

Re: best mesh wifi system on the market?

nydoc,

I believe that a mesh system REPLACES your router. I use a Google Mesh; I discarded my old router.
by hudson
Sat Aug 01, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: VWITX (Vanguard Intermediate Tax Exempt) Yields
Replies: 12
Views: 1291

Re: VWITX (Vanguard Intermediate Tax Exempt) Yields

bubbly, I believe that VWITX is safer than the total bond fund. It's holdings are around 90% AAA/AA/A. I believe that munis fall just behind US government bonds in safety. I think that a total bond fund would be a little less safe because of it's investment grade corporate bonds. I like VWITX and ha...
by hudson
Fri Jul 31, 2020 5:32 pm
Forum: Personal Investments
Topic: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100
Replies: 10
Views: 639

Re: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100

Let's say that in 2024...at age 76, I do the ladder first. By then I should have that part figured out. If I just go on Vanguard's website and start buying bonds on the secondary market, will that workout OK or could I get a haircut? I've read several contributors say that it's OK. What level of exp...
by hudson
Fri Jul 31, 2020 3:06 pm
Forum: Personal Investments
Topic: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100
Replies: 10
Views: 639

Re: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100

miket29,

Why funds first? It's simpler and easier to buy into funds or ETFs.
I think that you are saying that it's probably best to go straight into TIPS. That seems to be the prevailing argument, and I don't disagree. I don't really know the answer; I'm trying to figure it out.
by hudson
Fri Jul 31, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Buying a new car using Costco
Replies: 42
Views: 4512

Re: Buying a new car using Costco

It was a long time ago, but I'd tried the costco buyer's program, the AAA buyer's program, and getting off-the-shelf internet department price quotes. The internet quotes were substantially cheaper. I think the costco program is fine if you'd otherwise walk into a dealership and not negotiate at al...
by hudson
Fri Jul 31, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154243

Re: My New Car Buying Tips

An update: Thanks to all those who took the time to respond. I picked up my vehicle, a Lexus-450H. 10% off MSRP. I think I could have gotten a 13% discount had I waited for a couple of days - lesson learned. Overall, a very happy customer here. YES! Did you learn anything else while shopping around?
by hudson
Fri Jul 31, 2020 8:00 am
Forum: Personal Investments
Topic: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100
Replies: 10
Views: 639

Re: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100

First, instead of the Vanguard fund why not use Schwab US TIPS ETF (SCHP)? Same index, half the expense. Also note the availability of the iShares Inflation Hedged Corporate Bond ETF (LQDI) which in exchange for the credit risk of corporate bonds gives you intermediate-term inflation protection wit...
by hudson
Fri Jul 31, 2020 7:57 am
Forum: Personal Investments
Topic: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100
Replies: 10
Views: 639

Re: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100

In four years at age 77, I'm looking at moving enough funds to cover basic needs from 77-100 by using TIPS to cover 24 years For ages 77-89 (13 years), I would buy the Vanguard Inflation-Protected Securities Fund...average duration 8 years For ages 90-100 (11 years), I would buy the ETF LTPZ...PIMC...
by hudson
Fri Jul 31, 2020 5:43 am
Forum: Personal Investments
Topic: USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100
Replies: 10
Views: 639

USING TIPS FUNDS to fund a Liability Matching Portfolio AGES 76-100

In four years at age 77, I'm looking at moving enough funds to cover basic needs from 77-100 by using TIPS to cover 24 years For ages 77-89 (13 years), I would buy the Vanguard Inflation-Protected Securities Fund...average duration 8 years For ages 90-100 (11 years), I would buy the ETF LTPZ...PIMCO...
by hudson
Fri Jul 31, 2020 4:38 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 368
Views: 47044

Not $60...but $72.84 for Select...includes online

Therefore the deal one should hold out for is $72.84 not $60. That's what denovo and neilpilot got....unless someone is getting a better deal? $72.84 is the out the door price. If you pay the $88.37 that I did, you should've held out for the $72.84. Bottom Line: I would've kept on online chatting i...