Search found 1813 matches

by TheGreyingDuke
Wed Jan 20, 2021 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Trust for Married Couple with No Kids
Replies: 4
Views: 564

Re: Trust for Married Couple with No Kids

oldfort wrote: Tue Jan 19, 2021 11:41 pm Trusts are used to reduce estate taxes.
a
And for some, avoiding probate is a motivation.
by TheGreyingDuke
Tue Jan 19, 2021 7:02 am
Forum: Personal Finance (Not Investing)
Topic: HRBlock software will not let me delete pension my state says not to report
Replies: 26
Views: 1650

Re: HRBlock software will not let me delete pension my state says not to report

A little off-topic... Last year, using H&R Block tax software, I tried to claim the credit for installing electric vehicle service equipment (AKA "Charger"); the software did not include the form and communication with them indicated that they had no plans to roll out the form. I reque...
by TheGreyingDuke
Sat Jan 16, 2021 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Options for healthcare during FIRE (but before 65)?
Replies: 132
Views: 8935

Re: Options for healthcare during FIRE (but before 65)?

I left working at 58, some years ago. This was all pre-ACA so not sure how relevant this is today. But in the state I was living in I was able to join an association (Chamber of Commerce), register a trade name with the Secretary of State, and open a small business. I did one or two consulting jobs ...
by TheGreyingDuke
Sun Jan 10, 2021 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing a car ever make more sense than paying cash?
Replies: 48
Views: 4617

Re: Does leasing a car ever make more sense than paying cash?

One other case where leasing can come out ahead is if you are buying an electric vehicle and cannot fully utilize any available Federal tax credit. Often times the leasing entity, which will get the credit, will factor that into the selling price, allowing you to benefit.
by TheGreyingDuke
Sun Jan 10, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Does leasing a car ever make more sense than paying cash?
Replies: 48
Views: 4617

Re: Does leasing a car ever make more sense than paying cash?

Yes, it depends on which car it is. German cars for instance lease really well because they depreciate like a meteor entering the upper atmosphere and the leases have artificially high residuals. Plus German cars are extremely unreliable past their warranties and have exceptionally high repair cost...
by TheGreyingDuke
Sat Jan 09, 2021 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing a car ever make more sense than paying cash?
Replies: 48
Views: 4617

Re: Does leasing a car ever make more sense than paying cash?

I've leased a BMW in the past. Purchased it for 90% of MSRP and put it back to the dealership at 63% of original MSRP after three years. So 9% depreciation per year. I think it was a pretty good deal as the car booked out at 50% of original MSRP at the time. I think it's pretty hard to get a lease ...
by TheGreyingDuke
Sat Jan 09, 2021 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing a car ever make more sense than paying cash?
Replies: 48
Views: 4617

Re: Does leasing a car ever make more sense than paying cash?

If you're committed to doing this, you need to find out the money factor on the lease. You can use that to figure out the effective interest rate that you're paying. When negotiating, don't tell them whether you plan to buy or lease. Negotiate the price first and don't tell them what you're putting...
by TheGreyingDuke
Fri Jan 01, 2021 4:16 pm
Forum: Personal Consumer Issues
Topic: buying a 2021 Toyota Sienna in the next few days
Replies: 34
Views: 2379

Re: buying a 2021 Toyota Sienna in the next few days

Sometimes you have to take Consumer Reports with a grain of salt. I am amused at the frequent trashing of the Consumer Reports' reviews and ratings. For sure, they sometimes value things that I don't and undervalue things that are important to me. But they (generally) buy their vehicles, accept no ...
by TheGreyingDuke
Wed Dec 23, 2020 3:30 pm
Forum: Personal Investments
Topic: EE Bonds Maturing in 2022
Replies: 34
Views: 2008

Re: EE Bonds Maturing in 2022

I have three $10,000 savings bonds maturing in 2022, but at least one is going to be redeemed in 2021 to spread out the tax burden. Actually, it's possible one could be redeemed this year as well, depending on what my tax picture looks like. With the 4 percent interest rate in the current environme...
by TheGreyingDuke
Tue Dec 22, 2020 9:29 pm
Forum: Personal Investments
Topic: EE Bonds Maturing in 2022
Replies: 34
Views: 2008

Re: EE Bonds Maturing in 2022

I have three $10,000 savings bonds maturing in 2022, but at least one is going to be redeemed in 2021 to spread out the tax burden. Actually, it's possible one could be redeemed this year as well, depending on what my tax picture looks like. With the 4 percent interest rate in the current environme...
by TheGreyingDuke
Sun Dec 20, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

JoeRetire wrote: Sat Dec 19, 2020 3:54 pm
TheTimeLord wrote: Thu Dec 17, 2020 3:20 pm Check the refresh rates between your 2 computers. That can often be the cause.
Definitely refresh rate.
What is to be done, refresh rate is 75
by TheGreyingDuke
Fri Dec 18, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

https://cdn1.i-scmp.com/sites/default/files/2015/01/27/tarsier.jpg Going from the small screen to a big one has you looking like this. :) Give it some time you're eyes will adjust. Sitting further back will help as well. Check the brightness and sharpness settings. these are often punched up to bur...
by TheGreyingDuke
Fri Dec 18, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

Big Dog wrote: Fri Dec 18, 2020 11:10 am when is the last time you've had an eye exam?
6 months ago; I think that my inherent tendency to get "seasick" is at play here, I have never been able to read in a car and boats are a no go zone.
by TheGreyingDuke
Fri Dec 18, 2020 7:57 am
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

I get that I am looking at 2 parameters, refresh rate and resolution. I believe that the refresh rate is 75 Hz and isn't the resolution determined by the monitor, in this case, 2560 X 1440 (QHD)
by TheGreyingDuke
Thu Dec 17, 2020 10:23 pm
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

Do you do any gaming? If not get a 4K monitor. This one gets good reviews -- https://www.amazon.com/Acer-CB282K-smiiprx-FreeSync-Adjustable/dp/B087GS7188/ref=sr_1_7?dchild=1&keywords=acer+4k+monitor&qid=1608236880&sr=8-7 Or one of these -- https://www.nytimes.com/wirecutter/reviews/best...
by TheGreyingDuke
Thu Dec 17, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

Do you do any gaming? If not get a 4K monitor. This one gets good reviews -- https://www.amazon.com/Acer-CB282K-smiiprx-FreeSync-Adjustable/dp/B087GS7188/ref=sr_1_7?dchild=1&keywords=acer+4k+monitor&qid=1608236880&sr=8-7 Or one of these -- https://www.nytimes.com/wirecutter/reviews/best...
by TheGreyingDuke
Thu Dec 17, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

What type of cable are you using from computer to monitor? Edit to add: If it's a DVI cable, make sure you're using the correct type (i.e., single link DVI vs dual link DVI) It is an HMDI, if I was to have a DVI which type do I need, the materials with the monitor say HMDI or DVI without specifying
by TheGreyingDuke
Thu Dec 17, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

Re: New monitor making me dizzy

inbox788 wrote: Thu Dec 17, 2020 3:26 pm Move the monitor away from you and/or sit further back. And try chewing gum.
I did move it back last night, it is against the wall, wait and see.
by TheGreyingDuke
Thu Dec 17, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: New monitor making me dizzy
Replies: 29
Views: 2093

New monitor making me dizzy

It is a 27" Acer, QHD, connected to an HP Ryzen 5 desktop. I am coming from a Thinkpad with a 12" screen. I do experience some forms of.motion sickness and this is what I am experiencing in from of this monitor, search talks if action games and action movies, not part of my routine. Any th...
by TheGreyingDuke
Mon Dec 07, 2020 7:13 am
Forum: Personal Consumer Issues
Topic: Saving $ on my coffee habit
Replies: 95
Views: 5927

Re: Saving $ on my coffee habit

I endorse the notion of using a popcorn popper and roasting your own. Sweet Maria's is my go-to source for beans and I scour local thrift shops for corn poppers, no mesh on the bottom of the vessel and at least 1250 watts, better to go with 1500. They last a couple of years before they punk out, I a...
by TheGreyingDuke
Fri Dec 04, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chrome OS migration, NOT a security query
Replies: 3
Views: 232

Re: Chrome OS migration, NOT a security query

I think it is doable. Online tax software has some limitations but it will get the job done. The W10 machine isn’t that old. I have a Dell LT I bought in late 2008 running W10. If there is enough memory yours should do fine for a while longer if you wanted to keep it for taxes. Indeed, the X230 is ...
by TheGreyingDuke
Fri Dec 04, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Chrome OS migration, NOT a security query
Replies: 3
Views: 232

Chrome OS migration, NOT a security query

Life moves on, needs change; I have been using Chrome OS for about 5 years now, manage it quite well. I also have a Windows 10 machine (ThinkPad x230, about 6 years old) and am thinking of migrating to a ChromeBox with a big monitor. The two windows apps I would need to replace are MS Money and tax ...
by TheGreyingDuke
Wed Dec 02, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Wireless Ear Buds for Android
Replies: 6
Views: 426

Re: Wireless Ear Buds for Android

I really like the Aftershoxz bone conduction headphones both me and my wife use. They aren't earbuds. They are connected by a band from ear to ear and use bluetooth. They have transducers that go in front of your ears and vibrate the bones to provide sound (you can't feel them vibrate, at least I c...
by TheGreyingDuke
Tue Dec 01, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Question For Bread Bakers About Wheat Flour
Replies: 23
Views: 1632

Re: Question For Bread Bakers About Wheat Flour

Einhorn contains less gluten and therefore may be an answer for people with gluten sensitivity. Its lack of gluten makes it less desirable for bread baking and while it is somewhat richer in nutrients as opposed to bread-making wheat, flour of any sort isn't eaten for its nutrition wallop. Making s...
by TheGreyingDuke
Tue Dec 01, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Question For Bread Bakers About Wheat Flour
Replies: 23
Views: 1632

Re: Question For Bread Bakers About Wheat Flour

Einhorn contains less gluten and therefore may be an answer for people with gluten sensitivity. Its lack of gluten makes it less desirable for bread baking and while it is somewhat richer in nutrients as opposed to bread-making wheat, flour of any sort isn't eaten for its nutrition wallop. Making so...
by TheGreyingDuke
Mon Nov 23, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Laptop issue
Replies: 21
Views: 1120

Re: Laptop issue

Not sure about the particular authorized service center, but I have had great experience with the Lenovo authorized repair shop Upper West Side in NYC. Walked in, dropped it off, went for lunch, came back and I was good to go.
by TheGreyingDuke
Sat Nov 21, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11539

Re: Hassle free luxury car

I agree with other comments about the value of leasing in your situation. Viewed through the leasing prism, some cars lease better than others. Among the candidates already mentioned, BMW is known for leasing well. Before proceeding with a lease however, hie thee over to https://forum.leasehackr.com...
by TheGreyingDuke
Fri Nov 20, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Check my thinking on Donor Advised Fund for tax deduction
Replies: 15
Views: 900

Re: Check my thinking on Donor Advised Fund for tax deduction

Make sure the appreciated securities have long term gains, not short term. Why does it have to be long term gains? Short term gains are not deductible. You may deduct the fair market value less the short term gain. When I funded my DAF, I just sold the short term gains to cash first. I did not have...
by TheGreyingDuke
Mon Nov 09, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Determining the value of a totaled vehicle
Replies: 5
Views: 461

Determining the value of a totaled vehicle

My sister's car was parked in front of her house, a tree came down and totaled it. Insurance has made an offer and I am wondering if there is a negotiation that should go on and how to conduct it.

Thanks
by TheGreyingDuke
Thu Nov 05, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Home level 2 charger recommendation?
Replies: 17
Views: 1393

Re: Home level 2 charger recommendation?

In our community, we bought JuiceBox for their ability to share the juice on a 50 amp line, a capacity not needed in individual homes. We started buying them about 3 years ago had some networking problems with them. Their technical assistance was eager but not always quick to resolve problems. Then ...
by TheGreyingDuke
Wed Nov 04, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Is there a better meta-review site than Wirecutter?
Replies: 30
Views: 3314

Re: Is there a better meta-review site than Wirecutter?

Long-term durability is something missing from most review sites; Wirecutter does do some of this, see their recent review of cast iron dutch ovens for example.
by TheGreyingDuke
Fri Oct 23, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Stationary Indoor Bikes
Replies: 33
Views: 2422

Re: Stationary Indoor Bikes

I have just received a Sole recumbent, it is listed as "Light Commercial Use" and comes with a 30-day, no questions return policy. Very heavy and solid, it looks like it will meet my needs for a solid, recumbent.
by TheGreyingDuke
Fri Oct 23, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Stationary Indoor Bikes
Replies: 33
Views: 2422

Re: Stationary Indoor Bikes

I have just received a Sole recumbent, it is listed as "Light Commercial Use" and comes with a 30-day, no questions return policy. Very heavy and solid, it looks like it will meet my needs for a solid, recumbent.
by TheGreyingDuke
Thu Oct 22, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11701

Re: Ideal City to live in?

If I were in your position, I would stay (relatively) put. If I had my druthers I would be living in the Bay area, had extended visits there while son was in graduate school, biking, hiking, great food choices (Monterey Market), and many ways to get around without a car. I am always a bit amused th...
by TheGreyingDuke
Thu Oct 22, 2020 6:54 am
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11701

Re: Ideal City to live in?

If I were in your position, I would stay (relatively) put. If I had my druthers I would be living in the Bay area, had extended visits there while son was in graduate school, biking, hiking, great food choices (Monterey Market), and many ways to get around without a car. I am always a bit amused tha...
by TheGreyingDuke
Mon Oct 19, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Windows 10 very slow (2 year old Dell Desktop)
Replies: 76
Views: 4541

Re: Windows 10 very slow (2 year old Dell Desktop)

I am running a ThinkPad x230, a bit over 8 years old at this point. Started out on Windows 7, then migrated to Win 8 and then to Win 10. Upgraded the spinning disk to an SSD about 4 years ago and have a second "disk" in the slot for a modem. Now the 8 Gb of RAM, never any speed issues (or ...
by TheGreyingDuke
Wed Oct 14, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel without Permit?
Replies: 40
Views: 3789

Re: Bathroom Remodel without Permit?

I am surprised that no one has mentioned the insurance liability question... You get a bathroom renovation done, don't get proper permits. Some months later there is a massive leak caused by improper work done. The first thing the insurance company does is check "was the work permitted?". ...
by TheGreyingDuke
Wed Oct 07, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7676

Re: Buying a Tesla

Natural gas production and distribution leads to serious methane leaks, which is a potent greenhouse gas. By some measures, it is as bad as coal in this one regard.

https://insideclimatenews.org/news/3001 ... -emissions
by TheGreyingDuke
Mon Oct 05, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Any experience with a heat pump?
Replies: 47
Views: 2649

Re: Any experience with a heat pump?

In my role as an Energy Navigator volunteer, I have helped people make decisions about air source heat pumps. A few points to consider: 1) If your current source of fuel is natural gas even solar-generated electricity will be more expensive as a fuel choice; solar is only free at the point of consum...
by TheGreyingDuke
Sat Oct 03, 2020 8:02 pm
Forum: Personal Investments
Topic: Easy death question
Replies: 15
Views: 2917

Re: Easy death question

zz4 wrote: Sat Oct 03, 2020 7:20 pm No inheritance tax for them as NJ residents. I'm not sure about federal taxes.
I think the tax referred to was Federal (and state) income tax.
by TheGreyingDuke
Wed Sep 16, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3765

Re: Fidelity CC declined, they deny declining

Just off the phone with Elan, even after explaining that I was declined even when not presenting the card (as well as when presenting the card) their best offer was to send a new card, bizarre.

I need to find another 2% across the board, no-fee card with some decent enrollment bonus.
by TheGreyingDuke
Tue Sep 15, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3765

Re: Fidelity CC declined, they deny declining

Nope, never had a charge or withdrawal declined with the credit card, or the debit card, and I've never called UMB, not sure why I would they don't handle card services for either card. I would make sure your account has cash available for withdrawal if it was the debit card, and either way, be sur...
by TheGreyingDuke
Mon Sep 14, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3765

Re: Fidelity CC declined, they deny declining

Similar to unplugging/restarting something, did you try re-entering the card details again? Embarrassed to admit I once used the CVV from my main card when paying with a different account. Took me three "Errors" before I realized my mistake. :oops: The entry of the cc details is made by L...
by TheGreyingDuke
Mon Sep 14, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3765

Re: Fidelity CC declined, they deny declining

TheGreyingDuke wrote: Mon Sep 14, 2020 12:09 pm
Called Fidelity (UMB) they stated that they did not decline anything, have no record of anyone attempting to get approval. It does seem that my wife was able to use it for a "card present" transaction this morning.
by TheGreyingDuke
Mon Sep 14, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3765

Fidelity CC declined, they deny declining

Two different merchants, once each attempted to put information into web order, then tried a phone order with one of the merchants, all declined. Called Fidelity (UMB) they stated that they did not decline anything, have no record of anyone attempting to get approval. It does seem that my wife was a...
by TheGreyingDuke
Sun Sep 13, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Looking for reliable printer compatible with PC+Chromebook
Replies: 11
Views: 759

Re: Looking for reliable printer compatible with PC+Chromebook

Brother MFC-L2750DW here, works fine under all my operating systems (Windows, Linux, Chrome). I can send a print job from anywhere in the house over the WiFi, good for the occasional copy, scan as well.
by TheGreyingDuke
Thu Sep 10, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: Solar in CT - Worth it?
Replies: 10
Views: 849

Re: Solar in CT - Worth it?

East facing roof, forget it! South facing garage, maybe; how bad is the net metering program in CT? I am in an old program in NY, net metering works fine. I produce about 80% of my year-round needs, still pay about $16 a month for the connection to the grid, cheap as I see it for a huge backup batte...
by TheGreyingDuke
Wed Sep 09, 2020 9:07 pm
Forum: Personal Investments
Topic: Do I really own anything if everything can require a Medallion signature which I can never get?
Replies: 71
Views: 7945

Re: Do I really own anything if everything can require a Medallion signature which I can never get?

While voice verification at Vanguard has eliminated many calls or medallion guarantee at Vanguard, the same is not true at Fidelity. Long story short, when Vanguard gave up their Advantage account I opened a cash management at Fidelity. I now have a need to give a relative some money each month. Sin...
by TheGreyingDuke
Wed Sep 09, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Sole brand exercise bike
Replies: 5
Views: 431

Re: Sole brand exercise bike

I can't speak for this specific brand bike, however I'm a personal trainer and I do have one suggestion for buying a recumbent bike. They are notorious for being very difficult to pedal even on the lowest level. I have not experienced this in gyms as much as I have with my clients who own bikes in ...
by TheGreyingDuke
Tue Sep 08, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Sole brand exercise bike
Replies: 5
Views: 431

Sole brand exercise bike

I am close to buying a bike, I have used a recumbent in the gym for years, not going back there. I thought I needed to buy a commercial-grade unit, looked at a Precor that was refurbed, 50% off of new. https://www.advantagefitness.com/precor-rbk-885 I then came across the Sole brand, all the reviews...