Search found 583 matches

by Kagord
Wed Apr 07, 2021 4:38 am
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3084

Re: Should I replace 2 or 4 tires?

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.
by Kagord
Wed Apr 07, 2021 4:26 am
Forum: Personal Consumer Issues
Topic: Recommendation for simple home gym
Replies: 41
Views: 3293

Re: Recommendation for simple home gym

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...
by Kagord
Mon Apr 05, 2021 4:42 am
Forum: Investing - Theory, News & General
Topic: Difference between trade date and settlement date?
Replies: 4
Views: 572

Re: Difference between trade date and settlement date?

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...
by Kagord
Sat Mar 20, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: New grill: gas vs. pellet
Replies: 50
Views: 4015

Re: New grill: gas vs. pellet

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

Image
by Kagord
Sat Mar 13, 2021 9:13 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 435
Views: 94175

Re: Interactive Brokers (Best Kept Secret)

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'...
by Kagord
Fri Mar 12, 2021 8:03 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36912

Re: Are we in a housing bubble?

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...
by Kagord
Sun Mar 07, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22662

Re: Oil change interval for low-mileage vehicles

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.
by Kagord
Sun Mar 07, 2021 8:07 am
Forum: Personal Consumer Issues
Topic: Helping my elderly mother
Replies: 25
Views: 1887

Re: Helping my elderly mother

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...
by Kagord
Sun Mar 07, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: Helping my elderly mother
Replies: 25
Views: 1887

Re: Helping my elderly mother

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 ...
by Kagord
Thu Feb 25, 2021 5:53 am
Forum: Investing - Theory, News & General
Topic: Charlie Munger - DJCO Annual Meeting
Replies: 24
Views: 1964

Re: Charlie Munger - DJCO Annual Meeting

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...
by Kagord
Sat Feb 20, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question - Exempt Dividends
Replies: 9
Views: 507

Re: Tax Question - Exempt Dividends

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.
by Kagord
Sat Feb 20, 2021 12:03 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin and the US Dollar
Replies: 122
Views: 8361

Re: Bitcoin and the US Dollar

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...
by Kagord
Fri Feb 19, 2021 7:10 am
Forum: Investing - Theory, News & General
Topic: Microstrategy (MSTR) and Bitcoin
Replies: 36
Views: 2393

Microstrategy (MSTR) and Bitcoin

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...
by Kagord
Wed Feb 17, 2021 4:16 pm
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 20660

Re: Were You Around During Dotcom Bubble?

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
by Kagord
Mon Feb 15, 2021 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Filing a second 1040-X for the same tax year
Replies: 37
Views: 1705

Re: Filing a second 1040-X for the same tax year

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...
by Kagord
Sun Feb 14, 2021 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning organizer
Replies: 28
Views: 2396

Re: Estate planning organizer

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...
by Kagord
Sun Feb 14, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Filing a second 1040-X for the same tax year
Replies: 37
Views: 1705

Re: Filing a second 1040-X for the same tax year

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 ...
by Kagord
Fri Feb 12, 2021 12:33 pm
Forum: Investing - Theory, News & General
Topic: Never saw myself buying gold ...
Replies: 146
Views: 10873

Re: Never saw myself buying gold ...

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.
by Kagord
Thu Feb 11, 2021 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 255
Views: 49546

Re: Cash - Throw it all on the table!!!

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....
by Kagord
Thu Feb 11, 2021 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Tender Offer for CD Comparison to Secondary Market/Hold
Replies: 0
Views: 173

Tender Offer for CD Comparison to Secondary Market/Hold

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...
by Kagord
Mon Feb 08, 2021 2:44 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal (WSJ) Digital Subscription $4.00/month
Replies: 29
Views: 3348

Re: The Wall Street Journal (WSJ) Digital Subscription $4.00/month

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...
by Kagord
Sun Feb 07, 2021 11:57 am
Forum: Personal Consumer Issues
Topic: Is this a good price on a very slightly used Mazda CX-30?
Replies: 25
Views: 1483

Re: Is this a good price on a very slightly used Mazda CX-30?

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...
by Kagord
Fri Feb 05, 2021 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee question for an IRA distribution
Replies: 24
Views: 1300

Re: Trustee question for an IRA distribution

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...
by Kagord
Fri Feb 05, 2021 6:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for replacing 8 years old Whirlpool Fridge
Replies: 43
Views: 3479

Re: Recommendations for replacing 8 years old Whirlpool Fridge

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.
by Kagord
Thu Feb 04, 2021 11:02 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance versus self-insuring
Replies: 110
Views: 7392

Re: long term care insurance versus self-insuring

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...
by Kagord
Thu Feb 04, 2021 9:02 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance versus self-insuring
Replies: 110
Views: 7392

Re: long term care insurance versus self-insuring

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.
by Kagord
Wed Feb 03, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: Camping Stove - Upgrade?
Replies: 32
Views: 1778

Re: Camping Stove - Upgrade?

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...
by Kagord
Wed Feb 03, 2021 10:52 am
Forum: Personal Consumer Issues
Topic: Cloud storage
Replies: 36
Views: 2324

Re: Cloud storage

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...
by Kagord
Tue Feb 02, 2021 8:44 am
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15343

Re: Physical Silver Short Squeeze may be on

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...
by Kagord
Tue Feb 02, 2021 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Ridiculous insurance premium
Replies: 41
Views: 3774

Re: Ridiculous insurance premium

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...
by Kagord
Tue Feb 02, 2021 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Geico or Progressive auto insurance?
Replies: 37
Views: 3357

Re: Geico or Progressive auto insurance?

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...
by Kagord
Tue Jan 26, 2021 8:06 am
Forum: Personal Consumer Issues
Topic: Poor Call Quality on Google Voice
Replies: 26
Views: 2124

Re: Poor Call Quality on Google Voice

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...
by Kagord
Tue Jan 26, 2021 7:53 am
Forum: Personal Consumer Issues
Topic: Returning a TV to Costco after 90 days
Replies: 13
Views: 1852

Re: Returning a TV to Costco after 90 days

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...
by Kagord
Tue Jan 26, 2021 7:25 am
Forum: Investing - Theory, News & General
Topic: Which US brokers allow trading on TSX-V?
Replies: 1
Views: 154

Re: Which US brokers allow trading on TSX-V?

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....
by Kagord
Tue Jan 26, 2021 6:56 am
Forum: Personal Consumer Issues
Topic: Returning a TV to Costco after 90 days
Replies: 13
Views: 1852

Re: Returning a TV to Costco after 90 days

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...
by Kagord
Mon Jan 25, 2021 4:57 pm
Forum: Personal Consumer Issues
Topic: Desktop is dying - help me with replacement
Replies: 72
Views: 4713

Re: Desktop is dying - help me with replacement

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...
by Kagord
Mon Jan 25, 2021 3:40 pm
Forum: Personal Consumer Issues
Topic: Desktop is dying - help me with replacement
Replies: 72
Views: 4713

Re: Desktop is dying - help me with replacement

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.
by Kagord
Mon Jan 25, 2021 1:58 pm
Forum: Personal Consumer Issues
Topic: sold $100 item on eBay...got bill from them for $200 shipping!
Replies: 50
Views: 6894

Re: sold $100 item on eBay...got bill from them for $200 shipping!

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.
by Kagord
Mon Jan 25, 2021 7:57 am
Forum: Personal Consumer Issues
Topic: Where do you buy your pet supply?
Replies: 29
Views: 1310

Re: Where do you buy your pet supply?

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.
by Kagord
Sun Jan 24, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: Town A vs Town B
Replies: 75
Views: 5258

Re: Town A vs Town B

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...
by Kagord
Sun Jan 24, 2021 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Compound Interest Calculations
Replies: 9
Views: 1208

Re: Compound Interest Calculations

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
by Kagord
Sun Jan 24, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 7913

Re: Engagement Ring

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 ...
by Kagord
Sun Jan 24, 2021 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Does this retired couple need a trust?
Replies: 26
Views: 2832

Re: Does this retired couple need a trust?

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...
by Kagord
Sat Jan 23, 2021 4:02 pm
Forum: Personal Consumer Issues
Topic: Endowed Scholarship Concern
Replies: 4
Views: 489

Re: Endowed Scholarship Concern

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...
by Kagord
Sat Jan 23, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Town A vs Town B
Replies: 75
Views: 5258

Re: Town A vs Town B

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.
by Kagord
Sat Jan 23, 2021 11:06 am
Forum: Personal Investments
Topic: Undervalued Stock Picks
Replies: 33
Views: 3874

Re: Undervalued Stock Picks

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.
by Kagord
Sat Jan 23, 2021 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Any (tax) CPAs make the switch solo-practitioner? How did it go?
Replies: 24
Views: 1948

Re: Any (tax) CPAs make the switch solo-practitioner? How did it go?

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 ...
by Kagord
Sat Jan 23, 2021 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Does this retired couple need a trust?
Replies: 26
Views: 2832

Re: Does this retired couple need a trust?

If there's no tax avoidance planning or special circumstances needed, putting all accounts POD and the house TOD deed (if available), and maybe the car TOD too, avoids probate as well. That can be a very appropriate and simple estate plan for that net worth, IMHO. If no TOD allowed for a house, just...
by Kagord
Fri Jan 22, 2021 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Will and Testamentary Trust
Replies: 30
Views: 1450

Re: Will and Testamentary Trust

Even with look through language, the "overwhelmed" trustee didn't do it right, and voila, once of age, it was caught after nine months or something like that after the estate attorney was involved, I learned trusts have a ridiculously high tax rate that decimated it in 5 years. Well I wou...
by Kagord
Fri Jan 22, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: My $7,000 watch in the news!
Replies: 21
Views: 1935

Re: My $7,000 watch in the news!

Let me be very clear, do you wear dark gray sunglasses too?