Search found 1837 matches

by TheGreyingDuke
Sun Apr 11, 2021 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: EFile rejected, Turbo Tax, involved with Foreign Taxes paid
Replies: 2
Views: 242

EFile rejected, Turbo Tax, involved with Foreign Taxes paid

Tried to electronically file return and was rejected. The message states that there is missing or incomplete data on IRS 1116 and that I should open the return and will be directed to where the error is. But no such help is offered when I re-open the return, it all looks good to me, any thoughts??? ...
by TheGreyingDuke
Fri Apr 02, 2021 10:50 am
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6877

Re: I Bond Sell Strategy

This may be a little off topic, but many have bought I bonds in both husband's and wife's name. Within the last couple of years there was a thread on this forum regarding the redemption or change of registration in the event of the death of a spouse. If anyone could address this issue, or direct me...
by TheGreyingDuke
Fri Apr 02, 2021 6:41 am
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6877

Re: I Bond Sell Strategy

I had this glorious thought of grandparents dedicating some or all of their I-bond returns to their grandchildren's educational expenses. Alas per https://www.treasurydirect.gov/indiv/planning/plan_education.htm: You can take the exclusion if all five of the following apply: * You cashed qualified ...
by TheGreyingDuke
Thu Apr 01, 2021 8:40 pm
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6877

Re: I Bond Sell Strategy

I had this glorious thought of grandparents dedicating some or all of their I-bond returns to their grandchildren's educational expenses. Alas per https://www.treasurydirect.gov/indiv/planning/plan_education.htm: You can take the exclusion if all five of the following apply: * You cashed qualified ...
by TheGreyingDuke
Wed Mar 31, 2021 7:33 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2659

Re: toyota sequoia vs toyota sienna safety

The Sienna has a hybrid 4 cylinder, new for this year
by TheGreyingDuke
Tue Mar 30, 2021 8:14 am
Forum: Personal Consumer Issues
Topic: Battling basement humidity
Replies: 26
Views: 1605

Re: Battling basement humidity

If it is new construction there is a lot of moisture that needs to be extracted from the Sheetrock mud and other sources.
by TheGreyingDuke
Tue Mar 30, 2021 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Cash in higher yielding EE bonds and put in 529
Replies: 1
Views: 153

Cash in higher yielding EE bonds and put in 529

I have a small(as percentage of net worth, less than 1%) of EE and I bonds, some of the EE dating back to the 4% era. My intention has been that as they mature to deposit them in 529 accounts for grandchildren,having no personal need for the proceeds. We are also revising our estate plan and I am in...
by TheGreyingDuke
Mon Mar 29, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6214

Re: Why are Subarus so popular?

JackoC wrote: Mon Mar 29, 2021 9:37 am
If others are familiar with that area and disagree, let 1000 flowers bloom. If somebody's nose is out of joint at my observation, no need.
That would be 100 flowers bloom, 1000 ideas contend :D
by TheGreyingDuke
Mon Mar 29, 2021 8:24 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6214

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...
by TheGreyingDuke
Wed Mar 24, 2021 7:07 pm
Forum: Personal Consumer Issues
Topic: Bringing your own EZ-Pass into a rental car?
Replies: 21
Views: 1869

Re: Bringing your own EZ-Pass into a rental car?

I also have a NY Ezpass,at one time I was able to register it when renting. . I registered it for those times when the high speed overhead gantries on the Thruway might miss the signal. More recently I have received the same message about the vehicle being tied to another transponder Now I just use ...
by TheGreyingDuke
Tue Mar 23, 2021 6:52 am
Forum: Personal Investments
Topic: Considering $1M conversion from TIRA to my Roth. Talk me out of it!
Replies: 58
Views: 4583

Re: Considering $1M conversion from TIRA to my Roth. Talk me out of it!

With a relatively small slice of funds in TIRA, I use them to make charitable contributions each year and thus pay no taxes on the withdrawals.
by TheGreyingDuke
Fri Mar 05, 2021 10:51 am
Forum: Personal Investments
Topic: Vanguard Brokerage account and our Revocable Trust
Replies: 14
Views: 712

Re: Vanguard Brokerage account and our Revocable Trust

I think if you and your wife setup voice verification,you can do this without a medallion guarantee
by TheGreyingDuke
Thu Mar 04, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: Calling all master gardeners/market gardeners!
Replies: 11
Views: 1190

Re: Calling all master gardeners/market gardeners!

Another Master Gardener here... First off, you are too late to do anything this year,if that was your goal. Seed companies are restricting sales and have run out of many varieties. What is your experience with gardening? A small kitchen garden is a much bigger thing then market gardening. I suspect ...
by TheGreyingDuke
Mon Mar 01, 2021 2:49 pm
Forum: Personal Consumer Issues
Topic: Temporary Long Run Natural Gas Line to Portable Generator, Need input.
Replies: 27
Views: 1819

Re: Temporary Long Run Natural Gas Line to Portable Generator, Need input.

I haven't seen this mentioned...

natural gas lines require electricity to move the gas along; If the power outage is long enough and widespread enough the gas will not flow.
by TheGreyingDuke
Wed Feb 24, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12447

Re: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]

Just checked with Citi, where I have the Costco card,warranty extension is still offered.
by TheGreyingDuke
Sun Feb 21, 2021 8:18 am
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7051

Re: Retiring to Vermont/New Hampshire area

Regarding property taxes in Vermont, there is an income sensitivity to the final bill. At least in regards to the school portion of your local taxes, which is the large portion of the bill(The other is for highways), the state pays a portion of your local taxes for those meeting program limits, out ...
by TheGreyingDuke
Mon Feb 15, 2021 7:41 pm
Forum: Personal Consumer Issues
Topic: Costco vs. Fidelity credit card for Costco purchases
Replies: 19
Views: 2066

Re: Costco vs. Fidelity credit card for Costco purchases

When buying durable goods like electronics or furniture at Costco, where the credit card extended warranty is important to me, should I use my Costco Visa credit card or Fidelity Visa credit card? I may be wrong, but I think both cards offer the same warranty benefits. I also think they both give 2...
by TheGreyingDuke
Tue Feb 09, 2021 3:07 pm
Forum: Investing - Theory, News & General
Topic: 501 (c) 3 organization and Foreign taxes on mutual funds
Replies: 9
Views: 457

Re: 501 (c) 3 organization and Foreign taxes on mutual funds

Thanks for your concerns, my question is really limited to the one about foreign taxes, governance has addressed the other matters
by TheGreyingDuke
Tue Feb 09, 2021 1:13 pm
Forum: Investing - Theory, News & General
Topic: 501 (c) 3 organization and Foreign taxes on mutual funds
Replies: 9
Views: 457

501 (c) 3 organization and Foreign taxes on mutual funds

I work with a 501 (c) 3 organization that is seeking to invest reserves, having come into some large donations recently. The Life Strategy Income Fund (VASIX) meets their planned 20/80 array but the inclusion of foreign bonds and equities gives me pause, as there will be foreign taxes paid which the...
by TheGreyingDuke
Mon Feb 01, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Sell house before or after major repair??
Replies: 23
Views: 2369

Sell house before or after major repair??

The house is in Central NJ, owned by friends; he is 79 and experiencing cognitive "issues", she is 68 and with physical and psychological "issues". Their 100-year-old house has been diagnosed with a serious foundation problem, engineers say it is a $25-35k repair. The repair will...
by TheGreyingDuke
Thu Jan 28, 2021 11:54 am
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8307

Re: Careers - Flagship State vs Top Tier Private

Ignore the college rankings as published, they are widely understood to be bogus as schools game the system in ways that do not reflect the reality on the ground. Many sources on this, here is one: https://www.insidehighered.com/admissions/views/2017/10/23/us-news-rankings-should-be-viewed-fake-news...
by TheGreyingDuke
Tue Jan 26, 2021 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best account/source for charitable contribution
Replies: 1
Views: 195

Best account/source for charitable contribution

1) Qualified charitable donation (QCD) from IRA, this avoids tax at marginal non-capital gains rate 2) Donor-advised Fund- not enough in there to do the task, contributions would avoid tax at lower capital gains rate 3) Donate appreciated stock, like the DAF saves tax at capital gains rate So it wou...
by TheGreyingDuke
Fri Jan 22, 2021 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Sell or keep US home while living abroad?
Replies: 17
Views: 1278

Re: Sell or keep US home while living abroad?

In our case, we had a house in the US for 20 years when we went to Asia for extended (4-6 month) visits each year. After two years of renting, and having to deal with a failed heating system while away, we came back and got it sold. Who needs the aggravation of managing a property 8000 miles away?
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: 610

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: 1727

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: 141
Views: 10581

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: 4787

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: 4787

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: 4787

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: 4787

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: 2632

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: 2094

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: 2094

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: 2251

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: 2251

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: 2251

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: 2251

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: 2251

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: 2251

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: 2251

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: 2251

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: 2251

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: 6074

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: 240

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: 240

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: 444

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: 1664

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: 1664

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: 1134

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.