Search found 1427 matches

by dukeblue219
Fri May 07, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Do you still read the print newspaper?
Replies: 52
Views: 1764

Re: Do you still read the print newspaper?

Yep. I'm 35 and we get the print WaPo. We probably wouldn't get a smaller town paper with little content, but WaPo is pretty deep all seven days. I like reading the paper at breakfast and it feels more... acceptable... than eating with the family with eyes locked on phones. Certainly throughout the ...
by dukeblue219
Fri May 07, 2021 3:54 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 42
Views: 1500

Re: Recommendation for Leaf Blower

How much do you want your neighbors to hate you?

Get electric, like the Worx blowers. 40v if you need decent power for leaves, or 20v if you're just blowing grass clippings off the sidewalk. Don't even think about gas. Nothing ruins a lazy weekend day like VRRRRM VRRRRM VRRRM.
by dukeblue219
Fri May 07, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Tinting a panoramic sunroof
Replies: 10
Views: 755

Re: Tinting a panoramic sunroof

unclescrooge wrote: Fri May 07, 2021 9:03 am Also, has anyone ever tinted the front windshield. I never have, and I'd like to, but I'm wondering if there are any drawbacks to doing so?
Not legal in most, if not all, states. Only the top couple inches can be tinted.
by dukeblue219
Fri May 07, 2021 8:40 am
Forum: Personal Consumer Issues
Topic: Streaming TV services?
Replies: 19
Views: 2083

Re: Streaming TV services?

Please excuse my ignorance, but how would I use the TV as a large monitor, in this case, with my laptop? I am contemplating getting a Roku device - but I do watch a lot of things on YouTube - so no app there as mentioned above. Thanks. Any TV made since 2008 or so will have an HDMI port. Any laptop...
by dukeblue219
Thu May 06, 2021 9:24 pm
Forum: Personal Consumer Issues
Topic: TSA PreCheck question
Replies: 19
Views: 1770

Re: TSA PreCheck question

For Global Entry you have to schedule an interview at one of a limited number of CBP offices (most the major US airports). If you live near one it's not a big deal, but you might not and have to travel if you don't live in a major city. There is an option to do your interview on your first arrival ...
by dukeblue219
Thu May 06, 2021 9:16 pm
Forum: Personal Investments
Topic: high yield savings account
Replies: 9
Views: 1140

Re: high yield savings account

Nothing changed fundamentally except none of them pay any real interest anymore after rates cratered in 2020. Most of the usual players are in the 0.40% range these days.
by dukeblue219
Thu May 06, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Is there any free site that provides IQ test and results
Replies: 33
Views: 2070

Re: Is there any free site that provides IQ test and results

dukeblue is presumably alluding to concerns about "equity" and that gifted programs, generally, seem more under attack of late than they were even, say, five years ago. That's likely true, but varies by region of the country, school district, etc. That is true too, but mainly I meant that...
by dukeblue219
Thu May 06, 2021 5:40 pm
Forum: Personal Consumer Issues
Topic: Is there any free site that provides IQ test and results
Replies: 33
Views: 2070

Re: Is there any free site that provides IQ test and results

Thanks for the reply. My son is in gifted program and I was just curious to see what is his actual or approximate IQ. I seen some online advertised as free. But I think many will ask for payment at the end. I was wondering if anyone has come across a descent free site. did your school test him for ...
by dukeblue219
Thu May 06, 2021 11:24 am
Forum: Personal Consumer Issues
Topic: TSA PreCheck question
Replies: 19
Views: 1770

Re: TSA PreCheck question

plasticofantastico wrote: Thu May 06, 2021 10:56 am If you travel at all internationally, pay the extra $20 and get Global Entry instead of TSA pre-check. Makes clearing immigration and customs much easier.
Very good point, especially if a CC is covering it anyway.
by dukeblue219
Thu May 06, 2021 9:47 am
Forum: Forum Issues and Administration
Topic: Posts about cyber currencies
Replies: 22
Views: 873

Re: Posts about cyber currencies

These so called currencies are often used in criminal activities. Allowing discussion to promote it is just wrong. Lots of things are used in criminal activities including cash, bank accounts, cell phones, cars, etc. Thats actually an interesting analog. Cell phone possession was banned at a lot of...
by dukeblue219
Thu May 06, 2021 9:35 am
Forum: Personal Investments
Topic: 401k wellington fund
Replies: 11
Views: 863

Re: 401k wellington fund

This one of those questions where the short answer is simply "yes that's a good idea."

Is it perfect? Probably not. Is it better than being all equities at 62? Almost certainly.
by dukeblue219
Thu May 06, 2021 8:18 am
Forum: Forum Issues and Administration
Topic: Posts about cyber currencies
Replies: 22
Views: 873

Re: Posts about cyber currencies

Using the term "cyber currency" suggests you have little knowledge of the subject. As long as posts about bidding for the cheapest toilet installation or merits of three different newspapers are allowed, then crypto is going to stick around. You don't have to buy in, but it's a hot topic i...
by dukeblue219
Thu May 06, 2021 8:14 am
Forum: Personal Consumer Issues
Topic: TSA PreCheck question
Replies: 19
Views: 1770

Re: TSA PreCheck question

Since you're on the subject, you can travel under a maiden name if you don't want to deal with changing the passport. CBP website is clear that it's possible, but you're supposed to bring some proof of the name progression: https://help.cbp.gov/s/article/Article-1209?language=en_US If you rarely tra...
by dukeblue219
Wed May 05, 2021 1:41 pm
Forum: Investing - Theory, News & General
Topic: Why isnt everyone buying TIPS?
Replies: 107
Views: 8703

Re: Why isnt everyone buying TIPS?

You may not be buying any, but lumber has gone up OVER 500% in the last year. https://finance.yahoo.com/quote/LBS%3DF/ Wow, I keep hearing about lumber but this is the first time I've seen something more substantive than anecdotes. We've all heard about timber as an alternative investment over the ...
by dukeblue219
Wed May 05, 2021 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 848
Views: 182774

Re: Bank of America/Merrill Edge - Preferred Rewards

Per email today: "We want to make you aware of an enhancement to your Premium Rewards® card. Now through December 31, 2021, as a Preferred Rewards Platinum Honors member, you will earn unlimited 3.5 points for every $1 spent on grocery store purchases, including many grocery store delivery and ...
by dukeblue219
Tue May 04, 2021 1:38 pm
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2317

Re: Best options for investing for kids?

dukeblue219, That means the person saves 39K + 12K + 12K= 53K per year. <<Growth in equities is the only way they'd be able to pay for a couple of college educations as their income cannot cash flow two kids in college overlapping for two years. >> That statement is fundamentally false. The money h...
by dukeblue219
Tue May 04, 2021 11:42 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2317

Re: Best options for investing for kids?

If the annual savings is high enough, why the person needs to sale anything in the taxable account to pay for college education? At the high end of college education funding, it is 80K per year. Pick an annual saving and we can go through the numbers and explain why it is not a problem. Let's suppo...
by dukeblue219
Tue May 04, 2021 10:49 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2317

Re: Best options for investing for kids?

1) If you are employed and you max up all your tax-advantaged accounts, it will be 0%. The MFJ AGI threshold is "only" $80k. I know that's above median, but especially in a HCOL area its not hard to be in the 15% LTCG box without anyone needing to be a lawyer/doctor/banker. There's only s...
by dukeblue219
Tue May 04, 2021 8:52 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2317

Re: Best options for investing for kids?

I do not understand why BH prefers saving for college in taxable over 529. You've got 18 years for that money to potentially quadruple. Why would you keep that in a taxable account? My response was about where to start saving NOW and not the ultimate end point. Eventually, for a wealthy family a 52...
by dukeblue219
Tue May 04, 2021 8:49 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2317

Re: Best options for investing for kids?

For folks with 0% long-term capital gain tax rate, there is minimal tax savings. This is especially true for BH that max up all their tax-advantaged accounts. KlangFool Certainly true. How likely is it you'll be in a 0% LTCG bracket when you need to make those withdrawals, though, especially when y...
by dukeblue219
Tue May 04, 2021 8:43 am
Forum: Investing - Theory, News & General
Topic: Do I have to read the prospectus before buying an index fund?
Replies: 94
Views: 6139

Re: Do I have to read the prospectus before buying an index fund?

I never read them. I've saved hours and hours by not reading them. I also don't read the terms and conditions that come with my credit cards. Life is too short to play amateur lawyer. This. I don't call my brokerage to inquire why this year's dividends are scheduled later than last year, I don't ma...
by dukeblue219
Tue May 04, 2021 1:55 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2317

Re: Best options for investing for kids?

I do not understand why BH prefers saving for college in taxable over 529. You've got 18 years for that money to potentially quadruple. Why would you keep that in a taxable account? No, the kid might not go to college but it's fair to assume he or she will, and I damn sure wouldn't want finances to ...
by dukeblue219
Mon May 03, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Any Washington Post Subscribers?
Replies: 18
Views: 1655

Re: Any Washington Post Subscribers?

I have home delivery since it's my local paper, but also a digital NYT subscription. WaPo is better for national political news, NYT for cultural news. Both are good and do similar work, but that's the difference I see.
by dukeblue219
Mon May 03, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to mentally unstable relative without revealing my home address
Replies: 39
Views: 3456

Re: Sending money to mentally unstable relative without revealing my home address

...bitcoin? Send to their address, and then they can turn that to cash via localbitcoins.com What’s funny is that yes, this is actually a practical use for Bitcoin. Particularly in the case of someone who is paranoid about the government. You could also use a stablecoin rather than actual BTC.
by dukeblue219
Mon May 03, 2021 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Filing state taxes by mail
Replies: 32
Views: 1732

Re: Filing state taxes by mail

What are you actually asking? Many of us find the state e-file makes life more convenient, and TurboTax to be the most convenient tax software available. I got better things to do than print and mail a tax return, then wait who knows how long for processing. Only you know whether it's worth $25 to y...
by dukeblue219
Mon May 03, 2021 10:57 am
Forum: Personal Consumer Issues
Topic: Drone usage
Replies: 13
Views: 950

Re: Drone usage

Contact the FAA - this is unauthorized. They won't do a ton, but it should be reported. Do not, I repeat not, tell them you shot at one as that is a federal crime just the same as shooting at a passenger plane. I would consider deleting your post. People have been arrested for this before, stupid as...
by dukeblue219
Sun May 02, 2021 10:43 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool Stock Advisor
Replies: 15
Views: 1608

Re: Motley Fool Stock Advisor

They have picked a few huge winners early enough to show pretty solid returns overall. AOL in the 90s and Amazon in the 2000s are two of their biggies. On the other hand, who the heck knows if it'll continue. There are worse places to get investing advice than Stock Advisor, but TMF themselves used ...
by dukeblue219
Sun May 02, 2021 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: BoA Preferred Rewards qualification tracker
Replies: 5
Views: 526

Re: BoA Preferred Rewards qualification tracker

Is there a way to confirm online when an account stopped being qualified for preferred rewards. I transferred money out of my checking and my balance dropped below 100,000. Does that mean I need to transfer money back to the account within 12 months to retain my platinum honors, then keep it there ...
by dukeblue219
Sun May 02, 2021 10:09 pm
Forum: Investing - Theory, News & General
Topic: Qualified Versus Unqualified Dividends
Replies: 7
Views: 936

Re: Qualified Versus Unqualified Dividends

Take a look at https://advisors.vanguard.com/tax-center/qualified-dividend-income You can search for VTSAX to confirm it is mostly or entirely qualified each year. It's a common misconception that the ordinary amount on a 1099 implies "not qualified" when in fact it does not. The terms are...
by dukeblue219
Sun May 02, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: Why impossible for active to beat average?
Replies: 19
Views: 1451

Re: Why impossible for active to beat average?

The points have already been made, but just for completeness here's why (in my opinion) your specific example doesn't work: the passive investors own 100% of Microsoft, but 90% of Apple shares. So the passive portfolio is not cap-weighted, and thus not passive, which is a contradiction. This really...
by dukeblue219
Sun May 02, 2021 2:19 pm
Forum: Investing - Theory, News & General
Topic: Why impossible for active to beat average?
Replies: 19
Views: 1451

Why impossible for active to beat average?

Help me out on the math, please. It's said that the market is made up of active and passive investors, and if passive investors receive the weighted average performance of all stocks, then it would be impossible for active investors to collectively be above average. That makes sense superficially, I...
by dukeblue219
Sun May 02, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: Tips for Carrying Food in Hot Climate?
Replies: 39
Views: 2761

Re: Tips for Carrying Food in Hot Climate?

The simplest answer to OPs question is yes, the insulated bags work well enough and take up nearly zero space folded in your trunk. Put the frozen stuff in at checkout and don’t make extra stops after grocery shopping and you’ll be fine. You really shouldn’t need a cooler with ice packs unless you h...
by dukeblue219
Sun May 02, 2021 9:27 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds
Replies: 36
Views: 5125

Re: Target Date Funds

Does anyone use 2 Target date funds? for example if you were retiring in 2021 put X % in the 2020 fund but realize that a good portion of your money will not be needed for another 10 years so you put that in the 2030 fund? effectively puts some of your money at say50/50 and another portion at 60/40...
by dukeblue219
Sun May 02, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: Tips for Carrying Food in Hot Climate?
Replies: 39
Views: 2761

Re: Tips for Carrying Food in Hot Climate?

livesoft wrote: Sun May 02, 2021 8:32 am
Have you ever eaten frozen almond M&Ms or frozen squares of milk chocolate? We do not freeze hard sugar candy nor buy it in the first place.
No, but I’m intrigued. I do enjoy a frozen Reese’s so I can see the possibility…
by dukeblue219
Sun May 02, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: Tips for Carrying Food in Hot Climate?
Replies: 39
Views: 2761

Re: Tips for Carrying Food in Hot Climate?

livesoft wrote: Sun May 02, 2021 8:25 am We do freeze items such as nuts and candy after we get home, but those are just on the room temperature shelves in the stores.
Why?
by dukeblue219
Fri Apr 30, 2021 9:45 pm
Forum: Personal Investments
Topic: [Fidelity Funds Advice]
Replies: 17
Views: 1431

Re: No Disrespect To Vanguard

They also don't technically track the same, full underlying index, so the difference in performance can easily dwarf the difference in ER. That tracking error of course can work in either direction, for or against you.
by dukeblue219
Fri Apr 30, 2021 6:56 pm
Forum: Investing - Theory, News & General
Topic: Are negative interest rates illegal?
Replies: 28
Views: 2434

Re: Are negative interest rates illegal?

cos wrote: Fri Apr 30, 2021 6:36 pm Wow, that answered practically all of my questions! Thanks! I'm still interested in reading the community's hottest takes on the matter, though.
What "hot takes" are you looking for beyond the authoritative answer?
by dukeblue219
Fri Apr 30, 2021 6:42 pm
Forum: Personal Investments
Topic: Do ACATS transfers need Medallion?
Replies: 10
Views: 660

Re: Do ACATS transfers need Medallion?

TD Ameritrade to Merrill Edge last summer required no intervention whatsoever. It just worked.
by dukeblue219
Fri Apr 30, 2021 2:48 pm
Forum: Investing - Theory, News & General
Topic: Crash course
Replies: 22
Views: 1581

Re: Crash course

There's really no such thing as dry powder. It's just part of your fixed income allocation, and a particularly low yield part of it. So to that extent its not really any different than selling bonds to rebalance... But if you have a pile of cash then your equity:bond allocation might need to include...
by dukeblue219
Fri Apr 30, 2021 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage time question
Replies: 12
Views: 998

Re: Mortgage time question

Should I do a 30 year fixed or 20 year fixed or even lower 15 year fixed? Put 20% down and get a 30 year fixed mortgage. I was told 15% with the mortgage insurance is better than 20%? Eww, no way. I'm also a fan of sticking with the 30 year at these insanely low rates, but don't pay the PMI if you ...
by dukeblue219
Fri Apr 30, 2021 6:26 am
Forum: Personal Consumer Issues
Topic: Is FuboTV horrible, or am I doing it wrong?
Replies: 7
Views: 1042

Re: Is FuboTV horrible, or am I doing it wrong?

Could be dependent on the device you use. Roku? Fire Stick? Smart TV?

I don't know many people using fuboTV but none of the reviews have mentioned app issues like that.
by dukeblue219
Thu Apr 29, 2021 4:13 pm
Forum: Personal Investments
Topic: Market Timing Change
Replies: 57
Views: 3987

Re: Market Timing Change

Investing "articles" on most of those sites are garbage. Literally. They're below even the talking heads on TV, many written by content mills or minimum wage labor simply to attract ad views. They aren't garbage for the reason that it's hard to best the market; they're garbage because many...
by dukeblue219
Thu Apr 29, 2021 6:03 am
Forum: Personal Consumer Issues
Topic: Did I get shilled on Ebay?
Replies: 49
Views: 6952

Re: Did I get shilled on Ebay?

One thing to note, always check the "buy it now" for the item before, and while bidding. There have been a few times when the "buy it now" price was lower than the item I was bidding on. I've grown weary of waiting on the days for the bid to end, and now do most of my ebay trans...
by dukeblue219
Wed Apr 28, 2021 6:11 pm
Forum: Personal Consumer Issues
Topic: Cryptocurrency Owners - Where Do You Keep Your Seed?
Replies: 63
Views: 4927

Re: Cryptocurrency Owners - Where Do You Keep Your Seed?

To the person that said email it to spouse shopping list and put the words in the middle of it... that is not safe. That is still via email and unecrypted. Sure it is, just as if you wrote it down on a scrap of paper with some other words. Nobody will know it's important. Don't write "bitcoin ...
by dukeblue219
Wed Apr 28, 2021 2:35 pm
Forum: Personal Investments
Topic: Which Brokerages Offer Good Perks for High AUM?
Replies: 24
Views: 2204

Re: Which Brokerages Offer Good Perks for High AUM?

I don't use my BoA checking account for anything other than the occasional ATM deposit, otherwise it just sits there with $1 in it. Main reason I don't use it as an actual bank account is no free ACH transfers Hmm? I've never been charged for ACH in or out, whether pushed or pulled. Incoming wires ...
by dukeblue219
Wed Apr 28, 2021 12:57 pm
Forum: Personal Investments
Topic: Which Brokerages Offer Good Perks for High AUM?
Replies: 24
Views: 2204

Re: Which Brokerages Offer Good Perks for High AUM?

I don't use my BoA checking account for anything other than the occasional ATM deposit, otherwise it just sits there with $1 in it. Main reason I don't use it as an actual bank account is no free ACH transfers Hmm? I've never been charged for ACH in or out, whether pushed or pulled. Incoming wires ...
by dukeblue219
Wed Apr 28, 2021 12:39 pm
Forum: Personal Investments
Topic: Which Brokerages Offer Good Perks for High AUM?
Replies: 24
Views: 2204

Re: Which Brokerages Offer Good Perks for High AUM?

What are the fees ass ociated with investing through BofA? Paul Same as most others. Free stocks and ETFs. No transaction fee funds available, or $20 for other funds. I don't know if they have every VG fund available if that's your style, but the ones they have are $20 per buy which isn't bad compa...
by dukeblue219
Wed Apr 28, 2021 12:05 pm
Forum: Personal Investments
Topic: Which Brokerages Offer Good Perks for High AUM?
Replies: 24
Views: 2204

Re: Which Brokerages Offer Good Perks for High AUM?

I enjoy the Bank of America increased credit card rewards (up to 5.25%, minimum base rate of 2.62% on anything) for having $100k+ parked at Merrill Edge (can be in self-managed ETFs) https://www.bankofamerica.com/preferred-rewards/ Also unlimited ATM reimbursement, and while you get that elsewhere,...
by dukeblue219
Wed Apr 28, 2021 5:56 am
Forum: Personal Consumer Issues
Topic: Backup (redundant) home internet service
Replies: 54
Views: 3889

Re: Backup (redundant) home internet service

TomatoTomahto wrote: Wed Apr 28, 2021 5:52 am Are Fios or cable available in your life area? They often have internet only plans.
If the phone company still provides DSL to this address in 2021 there is almost certainly not FIOS available, and OP stated no cable.
by dukeblue219
Wed Apr 28, 2021 5:55 am
Forum: Personal Consumer Issues
Topic: Buying a new laptop
Replies: 96
Views: 7454

Re: Buying a new laptop

You may want to reconsider being such a stickler for an Intel, especially with your quite low price cap. Of the 2 processors represented in the items posted above, the Ryzen 4500U is newer, significantly faster, has dramatically better video performance AND is cheaper than the i5 1035G1. This. You'...