Search found 2368 matches

by galawdawg
Sun Jun 13, 2021 5:08 pm
Forum: Personal Consumer Issues
Topic: Riding mower
Replies: 30
Views: 1289

Re: Riding mower

We would like a riding, not a zero turn. About 40 for the deck size. We would also be using it to haul a wagon and attaching a snow shovel If you need a lawn tractor, scratch the Toro. I believe all they make are zero-turns. For the Husqvarna, if you must have a 40" or below, they have the LTH...
by galawdawg
Sun Jun 13, 2021 4:33 pm
Forum: Personal Consumer Issues
Topic: Home Security Camera Setups
Replies: 10
Views: 793

Re: Home Security Camera Setups

So I'm reading galawdawg's good post about a robust system, and I'm thinking: "Man, that may be overkill." Then I get to the footnote. Woah! Yep. Really the only time in my career that I had very significant concerns. Nothing like going about life as usual knowing you are a target but hav...
by galawdawg
Sun Jun 13, 2021 3:45 pm
Forum: Personal Consumer Issues
Topic: Riding mower
Replies: 30
Views: 1289

Re: Riding mower

I'd recommend you look at the Toro, Husqvarna and Deere commercial mowers at your local dealers. A zero-turn would likely work well but a commercial one of those may be above your budget.

You may also be limited in your selection if you need a 40" cut. A 42" will open up more options.
by galawdawg
Sun Jun 13, 2021 3:19 pm
Forum: Personal Consumer Issues
Topic: Riding mower
Replies: 30
Views: 1289

Re: Riding mower

It depends on your needs and budget. Most big box mowers are manufactured by MTD. I believe that includes Cub Cadet, Craftsman, Troy-Bilt, Bolens, Huskee and Yard Machines. Toro, Husqvarna and John Deere make both consumer grade mowers sold in big box stores and commercial grade sold by dealers. Wha...
by galawdawg
Sun Jun 13, 2021 1:38 pm
Forum: Personal Consumer Issues
Topic: Fence & Cameras - Anticipated conflict with neighbor - asking how you would handle this situation?
Replies: 20
Views: 1323

Re: Fence & Cameras - Anticipated conflict with neighbor - asking how you would handle this situation?

How long has your neighbor used that strip of land? If it has been in continuous and notorious use for seven (7) years or longer, I would recommend you consult with an real estate attorney. I am not admitted to practice law in your state, but the neighbor could have a colorable claim to that propert...
by galawdawg
Sun Jun 13, 2021 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medical service provider asks for consent to pursue insurance company
Replies: 59
Views: 3850

Re: Medical service provider asks for consent to pursue insurance company

Most states that have laws allow self funded plans to opt in. Looks like NJ is one. https://www.npr.org/sections/health-shots/2018/09/10/645561263/the-remedy-for-surprise-medical-bills-may-lie-in-stitching-up-federal-law “A New Jersey law that went into effect last month allows self-funded plans to...
by galawdawg
Sun Jun 13, 2021 1:24 pm
Forum: Personal Investments
Topic: So tempted to pull the trigger and Retire
Replies: 55
Views: 4628

Re: So tempted to pull the trigger and Retire

Does the $40k annual figure for your expenses included taxes and healthcare?
by galawdawg
Sun Jun 13, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Home Security Camera Setups
Replies: 10
Views: 793

Re: Home Security Camera Setups

I am sure that I have a much more "robust" approach to home security than many here. 1 I have two dozen hard-wired cameras run to three different DVR units. That provides redundancy and prevents total loss of coverage if one DVR unit goes down. My cameras are wired with coax as several hav...
by galawdawg
Sun Jun 13, 2021 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Sell 4RUNNER to Carvana, decision paralysis
Replies: 8
Views: 819

Re: Sell 4RUNNER to Carvana, decision paralysis

Do you actually need or did you regularly use (prior to COVID) three vehicles? If the vehicle is an "extra" that was rarely utilized, then by all means take advantage of this market opportunity and sell the 4Runner. But if you will just need to replace it with another vehicle if you sell i...
by galawdawg
Sun Jun 13, 2021 11:46 am
Forum: Investing - Theory, News & General
Topic: Investment Software
Replies: 35
Views: 3503

Re: Investment Software

Microsoft Money has a portfolio manager component to it that sounds as though it will do everything you want. I don't hold individual stocks, but have used MS Money since it was released in 1991 to track all of our earnings, spending and investments. It works almost as well today as ever but you ha...
by galawdawg
Sun Jun 13, 2021 10:16 am
Forum: Investing - Theory, News & General
Topic: Investment Software
Replies: 35
Views: 3503

Re: Investment Software

Microsoft Money has a portfolio manager component to it that sounds as though it will do everything you want. I don't hold individual stocks, but have used MS Money since it was released in 1991 to track all of our earnings, spending and investments. It works almost as well today as ever but you ha...
by galawdawg
Sun Jun 13, 2021 9:09 am
Forum: Investing - Theory, News & General
Topic: Investment Software
Replies: 35
Views: 3503

Re: Investment Software

FYI, here is what Microsoft Money's portfolio manager will do: Track investments from multiple financial institutions. Record and view all of your investment transactions. Keep track of a 401(k) account. Record mergers, spin-offs, transfers, and splits. Get updated investment prices. View price hist...
by galawdawg
Sun Jun 13, 2021 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Two-steps moving from one house to another? How to finance?
Replies: 16
Views: 1658

Re: Two-steps moving from one house to another? How to finance?

You can still get a mortgage based on income where your income is what you are living on in your retirement. I just talked to a mortgage banker, and was told that I could qualify for a mortgage where the sum of mortgage payment, property tax, and home insurance was 43% of my gross pension payment. ...
by galawdawg
Sun Jun 13, 2021 8:13 am
Forum: Investing - Theory, News & General
Topic: Investment Software
Replies: 35
Views: 3503

Re: Investment Software

Microsoft Money has a portfolio manager component to it that sounds as though it will do everything you want. I don't hold individual stocks, but have used MS Money since it was released in 1991 to track all of our earnings, spending and investments. It works almost as well today as ever but you hav...
by galawdawg
Sun Jun 13, 2021 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Immediate Annuity, opinions wanted
Replies: 19
Views: 1378

Re: Immediate Annuity, opinions wanted

I am not ready for this just yet. I am 59 yrs old, own my own business and trying to figure out how much money I will need to retire. I was speaking with my advisor at Fidelity and as part of a retirement plan he suggested an immediate annuity. I figure our expenses will be about $150K to $170K in ...
by galawdawg
Sun Jun 13, 2021 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Immediate Annuity, opinions wanted
Replies: 19
Views: 1378

Re: Immediate Annuity, opinions wanted

There is absolutely no way I would do it with those numbers. Putting $2.4 million in the annuity to receive a lifetime joint survivor payout is equal to an average annual return of just 4.2% and your principle is consumed entirely leaving nothing for legacy giving to heirs, charity, etc. So if you w...
by galawdawg
Sat Jun 12, 2021 7:22 pm
Forum: Personal Investments
Topic: Correcting a Vanguard mistake - IRA distribution
Replies: 11
Views: 947

Re: Correcting a Vanguard mistake - IRA distribution

What does it matter how it affects the OP. His broker made an error and admits to it. How in the world should he NOT need to have this corrected. No, his broker did not make the error or admit to anything. OP made the error by not showing the desired IRA account number. Usually, the custodian has n...
by galawdawg
Sat Jun 12, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: Plumbing drain pipe “disconnect”
Replies: 20
Views: 1515

Re: Plumbing drain pipe “disconnect”

By the way, if your deductible is only $250 for any covered loss, you may want to consider bumping it up to $1k or higher. You don't want to make claims for minor issues anyway and you'll likely save a substantial amount on your premiums with a higher deductible.
by galawdawg
Sat Jun 12, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: What would you do and why? [HELOC to buy used Porsche]
Replies: 45
Views: 3032

Re: What would you do and why? [HELOC to buy used Porsche]

OK, I didn't post in here to get judgement statements or personal choice statements. I set specific facts and wanted serious answers. If you don't have constructive comments. Then keep it to yourself. I'm not interested. You are being rude and not helping. If an individual can't pay cash for a toy ...
by galawdawg
Sat Jun 12, 2021 4:12 pm
Forum: Personal Consumer Issues
Topic: Easy short term cell data plan on Verizon or ATT network?
Replies: 7
Views: 398

Re: Easy short term cell data plan on Verizon or ATT network?

Look at an MVNO like Total Wireless. Get one of their cheap phones and a thirty day $35 service card with unlimited talk and text and 5gb high speed data with mobile hotspot. They'll give you a new number. Forward your calls to that number on your trip. About $60 or so. A Verizon or AT&T SIM may...
by galawdawg
Sat Jun 12, 2021 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is my graduating senior a dependent? AOTC considerations?
Replies: 45
Views: 1821

Re: Is my graduating senior a dependent? AOTC considerations?

While there is a mix of authority, it appears most likely that any 529 plan distributions count as HIS support. And of course you have everything he will pay from July through the end of the year. If the ownership of the 529 account is listed as "Parent's name Owner FBO Student's name", d...
by galawdawg
Sat Jun 12, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: What to do with car that flooded
Replies: 38
Views: 2884

Re: What to do with car that flooded

ncbill wrote: Sat Jun 12, 2021 12:30 pm Did OP even try to file an insurance claim?

Sounds like they just paid for repairs out-of-pocket.

Here that would mean no change in title.
No coverage.
jimmyrules712 wrote: Thu Jun 10, 2021 9:59 pm I did not have comprehensive insurance on the car.
Flood or salvage title requirements vary from state to state.
by galawdawg
Sat Jun 12, 2021 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is my graduating senior a dependent? AOTC considerations?
Replies: 45
Views: 1821

Re: Is my graduating senior a dependent? AOTC considerations?

If you are considering asking your son to delay his move, I'd recommend you carefully look at the other tests you must meet. 1. Will your son still be twenty-four on December 31, 2021? If not, the age test is not met. 2. Will your son have provided MORE than half of his support for 2021 when calcula...
by galawdawg
Sat Jun 12, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: Plumbing drain pipe “disconnect”
Replies: 20
Views: 1515

Re: Plumbing drain pipe “disconnect”

Appreciate the quick replies folks. For further detail: we do not have any other issues with the house, no significant settlement, no water infiltration, no drainage issues, nothing. Knock on wood. There has also been zero work in the vicinity of the house and / or near the site of the drain pipe s...
by galawdawg
Sat Jun 12, 2021 10:30 am
Forum: Personal Investments
Topic: Correcting a Vanguard mistake - IRA distribution
Replies: 11
Views: 947

Re: Correcting a Vanguard mistake - IRA distribution

I'm sure certain VG supporters who chime in on these types of threads will be here soon to tell you it is your fault or make excuses for VG. :shock: Since VG is not open today, I'd recommend on Monday that you contact them, have this escalated, and insist they correct the problem immediately, void t...
by galawdawg
Sat Jun 12, 2021 10:21 am
Forum: Personal Consumer Issues
Topic: Plumbing drain pipe “disconnect”
Replies: 20
Views: 1515

Re: Plumbing drain pipe “disconnect”

Absent a controlling warranty provision, you have no legal recourse. If the builder pays anything it would be based upon customer goodwill. It is indeed possible that the pipe was correctly installed and that later site work or settling or shifting ground caused the problem. I'd recommend you get a ...
by galawdawg
Sat Jun 12, 2021 9:14 am
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1939

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

I would not bother"fixing it". Most copper lines develop this at the joints if all the flux, etc are not cleaned off after soldering. Someone is trying to make money off you. The corrosion is coming from he threaded fitting where the brass adapter threads to the steel pipe. There is NO so...
by galawdawg
Sat Jun 12, 2021 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Is my graduating senior a dependent? AOTC considerations?
Replies: 45
Views: 1821

Re: Is my graduating senior a dependent? AOTC considerations?

He is moving in July 1. So, it sounds like he does not meet the residency test. One other thought, since it is so close, assuming he comes home for a weekend or two in the second half of the year, is that sufficient for tipping the scale? No. Visits after July 1 would not count towards the residenc...
by galawdawg
Sat Jun 12, 2021 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Is my graduating senior a dependent? AOTC considerations?
Replies: 45
Views: 1821

Re: Is my graduating senior a dependent? AOTC considerations?

IRS publication 501 outlines the requirements for claiming a dependent (beginning at page 10) and would be helpful to review: https://www.irs.gov/pub/irs-pdf/p501.pdf ALL of the requirements for claiming a dependent in this situation must be met and are: 1. The child must be your son, daughter, step...
by galawdawg
Sat Jun 12, 2021 7:56 am
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1939

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

I may be wrong, but from the photo I suspect you have many more years of service available to you for that water heater even considering what you are seeing. That appears to be a ProPress bronze union connecting the water heater to your copper line. It isn't quite clear from the photo if it is miner...
by galawdawg
Sat Jun 12, 2021 2:31 am
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 36
Views: 5434

Re: Leaving Vanguard

You cut it very close and got burned. That's unfortunate. I bounced a check once by trying to time everything too closely. Learned my lesson. Both Vanguard and these forums have been awash with information about the pending money market fund changes. Regardless of who eventually holds or manages yo...
by galawdawg
Fri Jun 11, 2021 8:26 pm
Forum: Personal Investments
Topic: Financial Planner Requiring Custody "for compliance" True?
Replies: 25
Views: 1735

Re: Financial Planner Requiring Custody "for compliance" True?

It was very interesting to see a number of articles and blogs by XYPN online. Most seem geared towards increasing revenue for the planner, strategically increasing fees charged on a regular basis, and marketing. Very little if anything about meeting the needs of the client. In fact, one such referen...
by galawdawg
Fri Jun 11, 2021 8:02 pm
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 36
Views: 5434

Re: Leaving Vanguard

You cut it very close and got burned. That's unfortunate. I bounced a check once by trying to time everything too closely. Learned my lesson. Both Vanguard and these forums have been awash with information about the pending money market fund changes. Regardless of who eventually holds or manages yo...
by galawdawg
Fri Jun 11, 2021 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical to Work with Two Realtors?
Replies: 25
Views: 2824

Re: Ethical to Work with Two Realtors?

I wouldn't say it is an ethical concern per se. But I see a few potential problems with that approach: If two or more agents identify the same house to you as a possible purchase and you indeed buy the house, there could develop a messy issue of who receives the selling broker commission. That would...
by galawdawg
Fri Jun 11, 2021 7:20 pm
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 36
Views: 5434

Re: Leaving Vanguard

I’ve always figured Schwab would be my next broker if we ever left VG. There are a few things I’ve read here that give me pause. One is the buying fees for VG mutual funds. I see that people say they can be waived . What does that look like in practice? Do you have to call or email after every purc...
by galawdawg
Fri Jun 11, 2021 7:00 pm
Forum: Personal Investments
Topic: Financial Planner Requiring Custody "for compliance" True?
Replies: 25
Views: 1735

Re: Financial Planner Requiring Custody "for compliance" True?

Thank you all for the insights. Yes, this firm is part of XYPN and the planner stated that is was illogical and regulatory driven. Based the the insights provided I was able to find Google results which suggest subscription models are a regulatory PITA and I still do not completely get it. There is...
by galawdawg
Fri Jun 11, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: Purchased a faulty product - what are my options?
Replies: 16
Views: 1042

Re: Purchased a faulty product - what are my options?

Also, to be clear, they paid for the shipping both ways last time, I just had to pay to print the return label they emailed me since I'm too cheap Boglehead to have one at home. If you don't have a printer, you can print something like that at Staples, Office Depot or Kinkos for usually about twent...
by galawdawg
Fri Jun 11, 2021 6:20 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1939

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

QUESTION: What would you recommend: Repair the valve/pipe only ($250 - $395) or replace the water heater even though it is only 5 years old ($1695 to replace)? The first thing I would do would be to pursue the warranty or try to get the company that installed it to fix it .... From what we think we...
by galawdawg
Fri Jun 11, 2021 5:36 pm
Forum: Personal Investments
Topic: Financial Planner Requiring Custody "for compliance" True?
Replies: 25
Views: 1735

Re: Financial Planner Requiring Custody "for compliance" True?

Whoops, hit submit before I responded to your second question about a planner. Have you considered posting your questions concerning retirement withdrawals and optimal strategies based upon your needs, portfolio composition and tax brackets? You may find guidance here that is at least as helpful, if...
by galawdawg
Fri Jun 11, 2021 5:22 pm
Forum: Personal Investments
Topic: Financial Planner Requiring Custody "for compliance" True?
Replies: 25
Views: 1735

Re: Financial Planner Requiring Custody "for compliance" True?

DW and I are looking to engage a hourly fee only or subscription based financial planner to plan for the retirement de-accumulation phase of life. Ideally we are looking for a small firm or individuals who specialize in working with high net worth families ($22 million) and we are looking for a lon...
by galawdawg
Fri Jun 11, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate agent reluctant to show offers to the seller prior to decision
Replies: 91
Views: 8005

Re: Real estate agent reluctant to show offers to the seller prior to decision

OP: I can’t imagine not seeing the actual, signed offers...in pdf/scanned form via email. I certainly could. Unless the agent redacts a bunch of personal items about the offeror, you the seller could risk getting charged with a violation of hosing law. For example, what if the name appeared to be e...
by galawdawg
Fri Jun 11, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1939

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

OK, is it copper, you may be thinking the crimped is what the wrench latches on with. If it's copper, and the nipple wasn't swapped from the manufacturer one with a higher grade dielectric or brass nipple, that's probably your problem. Ah......that explains why General Disarray was unable to attach...
by galawdawg
Fri Jun 11, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1939

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

OK, this is going to be hard without a picture but my first question in premature corrosion failure would be an improper dielectric fitting between the transition of two types of metal, like copper and galvanized steel, for instance. Yep, either galvanic corrosion or a small water leak (if calcium ...
by galawdawg
Fri Jun 11, 2021 3:48 pm
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 36
Views: 5434

Re: Leaving Vanguard

I really wanted to use Schwab because I think they have the best website and banking combination, but there were a couple deal-breakers: (1) its index mutual funds distribute some capital gains (and I don't want to use ETFs or pay commissions to buy Vanguard MFs); and (2) no total international ind...
by galawdawg
Fri Jun 11, 2021 3:43 pm
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 36
Views: 5434

Re: Leaving Vanguard

Well, I'm close to pulling the trigger and moving my "pot of gold" to another fund family. Looks like Schwab may be the leading candidate. I have had many issues with VG over the years, but within the last few years, they seemed to have lost the edge regarding customer service. The thing ...
by galawdawg
Fri Jun 11, 2021 3:36 pm
Forum: Personal Consumer Issues
Topic: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary
Replies: 46
Views: 1939

Re: Water Heater Valve Corrosion: Repairable or is Water Heater Replacement Necessary

This isn't my water heater, but on my water heater, the rod that has the red base is where the corrosion is occurring (near the base). https://www.reviewjournal.com/life/home-and-garden/anode-rod-protects-water-heater-tank-1634867/ If you are talking about the area circled in the first photo (from ...
by galawdawg
Fri Jun 11, 2021 1:10 pm
Forum: Personal Consumer Issues
Topic: What to do with car that flooded
Replies: 38
Views: 2884

Re: What to do with car that flooded

Texas apparently includes non-disclosure as fraud: http://www.moonlawfirm.com/blog/2017/8/28/flooded-cars-what-to-do-if-you-bought-a-submarine-instead-of-a-subcompact I fully intend to disclose the entire history to whomever buys it. But that doesn't necessarily mean I need to go get a salvage titl...
by galawdawg
Fri Jun 11, 2021 12:58 pm
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 36
Views: 5434

Re: Leaving Vanguard

If you are opening a Schwab account, you can get a referral code from an existing customer. The existing customer who gives you a referral code does not receive anything . The new customer (you) is eligible for certain bonus amounts based upon your account balances: https://www.schwab.com/public/sch...
by galawdawg
Fri Jun 11, 2021 12:28 pm
Forum: Investing - Theory, News & General
Topic: One Bogleheads idea I have a hard time understanding...
Replies: 104
Views: 13431

Re: One Bogleheads idea I have a hard time understanding...

All this talk is about the "average" of active funds vs. index funds, and the assumption (or claim) is that "above average" funds never stay above average, so you can't consistently pick them. Now, let's look at a simple example. Investor #1 and investor #2 have holdings in thei...