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Kagord

5-10 years seems to be a good sweet spot for me. My sweet spot is buying reliable ( (Fire/Flame retardant suit is on) Honda/Acura/Toyota/Lexus) used cars through twolease cycles (IE 6 years) at 65-75% off original MSRP, and I only look at if all service is documented and done per manufacturer recom...

Kagord

I'm surprised of all the Folgers coffee drinkers here with the $5K watch, $2400 Breeo backyard fire pit with options, Wolf/Subzero appliances, and $200K sports car typical BH crowd. Folgers is my coffee of choice as well and, for the record, I wouldn't pay $500 for someone to crack a locked floor sa...

Kagord

I've been using the Braun/Oral B for 25 years, I just replaced my first one after 23 or so years of use, and the cheapest model (Vitality $20 rechargeable) does basically the same thing the one did 25 years ago, it just has an on/off switch, though it doesn't have the light to tell you it's charging...

Kagord

I have experience with this, at my Costco, they would not let you install 2 (a policy) if the tread difference is greater than a certain amount, like 3/32 or something like that.

Kagord

Before even starting or buying anything, I recommend the link below. It's frequently Not Safe For Work (NSFW) but has tags for those posts. IMHO, this is an extremely good resource for motivation with one's losing/gaining weight and getting in shape and healthy journey. This is real, "not infom...

Kagord

I'm sure most everyone knows this, but I'll add the importance for understanding settlement with cash accounts, like IRAs. Account Value: 100K (IRA with no limited margin, IE, a cash based account) On the same day, and with $0 commissions why not, you change your mind a few times on what ETF you act...

Kagord

Have you considered not replacing and just using a more efficient heat source, like a microwave.

Kagord

So, i tried to sell a mutual fund at IBKR, but it seemed to say that there's a limit of 500 shares. Why would there be a limit on the number of shares I can sell? The warning looks like your doing something wrong, however, IB put some default precautionary settings to protect you from yourself. It'...

Kagord

Only if mortgage interest rates rise again, say by 300-400 basis points from where we are today. This would probably put a pin prick in the bubble. But I don't really see that happening, unless there is massive inflation. So the good news, if there's massive inflation, I don't see housing prices goi...

Kagord

I was hoping there would be some advice for what brand of oil is best, a neighbor said Supertech is the best one, but I can't seem to find it.

Kagord

Independent Living $2.5K (no meals, add $500 for meals) Yes, this sounds exactly what she would need assuming that independent living still provides transportation services and other services. I wish there was a place online that would list communities like this with the price clearly listed, and w...

Kagord

You are describing what most call an intervention, which is sometimes very difficult as one transitions from full independence to something else based on family guidance. Costs, more relative, but my experience where I live. Regular Apartment $1.5K Adult Apartment $2.0K Independent Living $2.5K (no ...

Kagord

When asked about of which massive $1T valuations of TSLA and BTC he prefers....."I can't decide the order of precedency between a flea and a louse.", coined from Samuel Johnson. ROFLMAO, keep in mind, this guy was 47 in 1971 when we went to fiat, he just might know a thing or two being aro...

Kagord

I actually do this, and can confirm Turbotax handles pretty well transferring the exempt amount to the state return. And, I just do the math in a spreadsheet and print/save it with the paperwork, for the remote chance being asked to provide this if a state audit were to occur.

Kagord

I think, if BTC starts getting in the few trillions in cap, to the point that it is looking to be less of a novelty and an more of an actual competitor/alternative to the USD (say a BTC cap north of 20% of USD M2), it's to going to get very interesting. There's some people, granted they may be loone...

Kagord

Microstrategy, an income challenged company has purchased 71,079 bitcoins, and plans to raise $1 Billion 0% interest debt to solely buy more bitcoin. In essence, this company's valuation is 2.5 times the bitcoin it owns. Researching on chat boards why there is a valuation mismatch, I'm finding peopl...

Kagord

ensign wrote: ↑Wed Feb 17, 2021 4:09 pm The fact that lots of people are discussing Bitcoin and SPACs without bursting out laughing does remind of the DotCom era.

I'd normally agree with you, but it's not a bubble this time, it's different /s

Kagord

I would personally wait until the first one is processed. +1, this, it is the only way per IRS rules, you can't file a 2nd amended return until the first one is in a completed state. Kagord - please tell us where you've seen this in the IRS rules. Nobody else has reported this and, if true, it woul...

Kagord

Not a fan if digital vaults, or even keeping at home. Cough up the $35/year and throw it all in a safe deposit box, the more messy it is, the more time they will be spending on that than grieving, just my 2 cents here, even more so if the key can't be found. Bonus points for keeping early copies, an...

Kagord

I would personally wait until the first one is processed. +1, this, it is the only way per IRS rules, you can't file a 2nd amended return until the first one is in a completed state. Check here for the amended return to be complete here, which will likely be a week or 2 after you get a letter from ...

Kagord

All these posts about gold makes me want to sell mine, my mom and friends just mentioned gold and bitcoin, yep, that's the sell signal.

Never saw myself selling gold, lol.

Kagord

My grandmother who recently passed went over finances with me a few years ago as I was the trustee of the estate. She had $50K cash in $20 and lower, gold coins, silver coins hidden around the house. I asked why, she said the banks closed down during the great depression, and you could not get cash....

Kagord

I'm having trouble figuring out how to interpret the secondary market of a CD, versus a tender offer. CD Prinicipal: $10,000 Interest Rate: 3.5% Payment Frequency: Semi-Annually (3/8 and 9/8) Maturity: 03/08/2022 Secondary Market Quote: $10,335.57 https://www.businesswire.com/news/home/2021012900536...

Kagord

How hard is it to cancel? I did a $1 8 week teaser for Barrons because I was interested in an article. I couldn't cancel online (I guess people in CA can do this though), and had to wait on hold, and once connected, took 20 minutes or so to have the cancel salesperson give up on their spiel, after I...

Kagord

We own the CX-3, a tad smaller. It was a very small market, we waited and one popped up for $17.5K with 17K miles, 1.8 years left on the 3 year warranty, MSRP was 25K. I went down to the dealer that day, test drove it, and bought it. You wouldn't be able to tell it wasn't new, except for the mileage...

Kagord

Thanks all. I've gone over the Trust with the law firm that wrote the Trust, and I have surprising amount of financial flexibility in how the funds are distributed. I wasn't intending or meaning to imply that I would create Inherited Trusts for my siblings. They would do that work. My question is s...

Kagord

MBster wrote: ↑Wed Feb 03, 2021 8:47 pm Our 8 yrs old Whirlpool Gold Series Side by Side is on its last leg.

These posts are so depressing to me. We've gone from appliances lasting 20-30 years to this, basically trading energy consumption from use to manufacturing/recycling&landill, IMHO.

Kagord

With 6.5M net worth, IMHO, you should not even entertain one of these policies. They would likely cover less than 10% of your net worth today, and that percentage will likely turn into a few percent over time, should you ever need this in 30-35 years, when these policies are usually used. And, of c...

Kagord

With 6.5M net worth, IMHO, you should not even entertain one of these policies. They would likely cover less than 10% of your net worth today, and that percentage will likely turn into a few percent over time, should you ever need this in 30-35 years, when these policies are usually used.

Kagord

Looking to update my 20+ year old Coleman camping stove, wonder if anyone has any favorites? I have a couple of backpacking stoves, so this is more the car camping variety. Generally I'm very brand loyal, but Coleman has no question gone down in quality in the last handful of years (I've noticed it...

Kagord

On the cheap, Cryptomator encrypts locally, and works well with the free services like GoogleDrive, Dropbox...etc. It works well because it isn't one big vault archive file, like some of the other solutions (I.E. Veracrypt). With Cryptomator, each file is is independent and encrypted, so you're only...

Kagord

Looks like the umpteenth false start now... Not sure how formidable a force r/wsb is but both GME and Silver are red on my screen. I've been following r/wallstreetbets for amusement, you'll notice there aren't any top posts for silver at all over the last few days. I find this very interesting, giv...

Kagord

We eat very healthy and do vigorous exercise with no health issues. Are there any alternatives that you can suggest? Go for the highest deductible, I.E. $16K deductible if available. I wish they offered higher deductibles myself, I'd consider paying $5K with a $30K deductible (just making these num...

Kagord

I have USAA and have been a member for a long time (35 years). When my youngest son got his license the USAA rate went up dramatically. So I switched to Progressive and save about $600. But then I began to read the reviews of Progressive’s customer service and claims paying and got nervous. After 6...

Kagord

Thanks everyone for your feedback. DoThe Math, I just checked my upload speed and it's 2.36 MBS. Is that enough bandwidth for decent VOIP calls? We have 5 handsets for the Panasonic system so I'm numbering each to see if one of them is the culprit. Looks like .5 Mbps is minimum (note, I think you m...

Kagord

The agreement is that you could return after 90 days if you don't like it. Do you have a reference for that or did you mean to say "up to 90 days"? Here is the Costco return policy: https://customerservice.costco.com/app/answers/detail/a_id/1191/~/what-is-costcos-return-policy%3F It is ni...

Kagord

You may want to look at Interactive Brokers, I used them 20-25 years ago for day (and night) speculative trading (kind of a play account), I was doing OK until the dot com bust, and then my account was pretty much liquidated on margin maintenance issues. https://www1.interactivebrokers.com/en/index....

Kagord

The agreement is that you could return on or before 90 days if you don't like it. Also in that agreement is a 2 year Costco repair warranty on the TV, have you given the concierge service a try to fix the issue you are having with it? In my experience, when you call the service number in the link be...

Kagord

As I wrote in the original post, I already did a reset and that put me back to 1511 and is how I got in this mess. By reset, do you mean you did a reset in windows, or did you do a complete factory reset (so the computer was like just how you bought it). But, yes, an install of windows fresh from M...

Kagord

02nz wrote: ↑Mon Jan 25, 2021 3:33 pm The frustrations you describe with the existing computer all software related. Do a clean install of Windows or use the "Reset this PC" function.

Another vote for this first, probably Windows is confused and a factory restore or Windows install from scratch is needed here.

Kagord

runner3081 wrote: ↑Mon Jan 25, 2021 11:45 am Chalk it up under a lesson learned about dimensional/billable weight.

+1, came here to say this. Always, always, always put in the length, width, and height to get a more accurate cost. OP probably has no recourse here.

Kagord

Costco (Kirkland), supposedly high quality food and value, our large dogs have lived long healthy lives (15-16 years) thus far with this stuff, knock on wood. Costco is convenient for us because we go there anyways.

Kagord

To do well in school (and go to college and be successful in life) kids need to be challenged by other students who take education seriously. Town B. This is exactly my thinking. I did well in HS and went to a state university for undergrad but felt I could have achieved more. I was the most ambiti...

Kagord

There's a lot of moving pieces, taxes...etc.

I recommend the great retiree portfolio model spreadsheet thread that will present you the answer for your entire picture:

viewtopic.php?f=2&t=97352

Kagord

Some thoughts after 28 years of marriage. I bought a >1 carat solitaire diamond ring for my then fiance. She loved it. Several years pass, she worries about wearing it everywhere and buys a high quality fake diamond ring to wear when she doesn't want to wear the real thing. She ends up wearing the ...

Kagord

Thanks, Big Dog. Next question is why not an irrevocable trust. I get that you can't take the assets out of the trust. But if the trustee, grantor and beneficiaries are all the same people, what difference does it make. They can just pay themselves assets out of the trust as needed. And they get gr...

Kagord

As another option that may achieve your result, Scholarship America is pretty popular and is in the business of awarding per criteria. You can name the scholarship in the name of yourself and what organization you are trying to benefit, and can probably even restrict it to families in that organizat...

Kagord

I just asked my DW, she chose "choose the town you actually want to live in", but pay for a private school in town A, if that is where you want to live.

Kagord

Pretty easy, look for PE under 5-8 for established companies that are maintaining with 5-10% growth, and a PE under 13-15 if you expect much bigger growth.

Kagord

My 2 cents, after seeing friends and family both fail and succeed in business, you just need to understand the work doesn't magically come to you. It takes effort to network, market, and get word of mouth out. I'd say you need both charisma and competence to succeed. The smaller town CPAs I've used ...

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