Search found 1824 matches

by TheGreyingDuke
Mon Jun 15, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: Best ETF or mutual fund that doesn’t pay dividends or distributions?
Replies: 24
Views: 1520

Re: Best ETF or mutual fund that doesn’t pay dividends or distributions?

livesoft wrote: Mon Jun 15, 2020 12:58 pm How about an ETF or mutual fund that has such a high expense ratio that the dividends are sucked away and shareholders don't get them?

Whether the dividends provide a net to the investor or not, as long as the underlying security paid it, the mutual fund owner will pay taxes on it.
by TheGreyingDuke
Mon Jun 08, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2980

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Be cautious replacing furnace filters with higher MERV ratings yu may jeopardize heating and your furnace. My Rheem furnace is ~40yo. Is the merv rating shown on it? Where? I couldn't see anything on the outside of it, can't remove the panel. What filters are in there now? Look at them and either r...
by TheGreyingDuke
Mon Jun 08, 2020 6:18 am
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2980

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Be cautious replacing furnace filters with higher MERV ratings yu may jeopardize heating and your furnace.
by TheGreyingDuke
Mon Jun 08, 2020 6:07 am
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 188
Views: 18826

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

I have also been all-in at Vanguard for decades and was disappointed at the demise of Advantage. Otherwise, my needs are easily met. All dividends get swept to a high-yield savings account and once a month I make a transfer to a newly-opened Fidelity cash management account. The Fidelity account is ...
by TheGreyingDuke
Fri May 29, 2020 6:23 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19868

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( For the best pizza you want to use Italian OO flour, I am able to buy it in 55lb bags from a local distributor who delivers it to my door for $55 https://www.amazon.com...
by TheGreyingDuke
Sat May 23, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 49
Views: 4888

Re: Bicycle Recommendation?

10 yeard old bike, if the frame is in shape, should not be ready for the trash. Especially with your very limited use, if the bike fits well, no reason to buy new. If you cannot or do not want to do the repair a good bike shop is your friend. In my locale, there is a bike cooperative, all set with t...
by TheGreyingDuke
Sat May 23, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 8132

Re: NJ property taxes too high. What are my alternative states?

That's a question lots of us ask about our own states. Seems like property taxes are easy to raise on constituents. I've considered becoming a full time renter, just to avoid them. Executive suites with deluxe high end apartment, paid for in part by property tax savings. I pay $4,000. a year for my...
by TheGreyingDuke
Sat May 23, 2020 7:04 am
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 2021

Re: Subaru Outback vs deer

Since it seems like just door panels, do we take it to Subaru dealership, or can regular collision shops get new door panels, paint them match, etc. While dealerships often have collision shops, that's usually not their forte. Some might outsource most of the work to a nearby shop. Quite likely you...
by TheGreyingDuke
Mon May 18, 2020 6:41 am
Forum: Personal Investments
Topic: Trouble adding funds to Vanguard account
Replies: 8
Views: 582

Re: Trouble adding funds to Vanguard account

Last week I created a Vanguard taxable joint account for wife and myself. Funded it with $5k from our joint savings account at the bank. All went smooth with no problems. This morning I attempted to move another $5k from the same bank account but I keep getting a message that reads “this account mu...
by TheGreyingDuke
Sat May 16, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 4090

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

You don't say what state you reside in but if you received a state subsidy on the purchase an keep it less than 3 years you may be expected to repay the rebate/credit.
by TheGreyingDuke
Wed May 13, 2020 6:24 am
Forum: Personal Finance (Not Investing)
Topic: EE Bonds to 529 for self to 529 for grandchild
Replies: 1
Views: 182

EE Bonds to 529 for self to 529 for grandchild

I have EE bonds maturing over the net few years; the first of these occurred this month, I put the proceeds into a 529 account with me as beneficiary. The intention is to change the beneficiary to my grandson, no issues there. But with 6 or 7 of these maturing over the next few years is there any wa...
by TheGreyingDuke
Mon May 11, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Shrinking Jeans in Washer/Dryer
Replies: 29
Views: 1544

Re: Shrinking Jeans in Washer/Dryer

DTalos wrote: Mon May 11, 2020 6:53 pm I ordered jeans that are too baggy. Is there a washer or dryer cycle that will shrink them to where they will look less baggy? Are baggy jeans in style?
Get into a tub of warm water with the on, soak for 20 minutes or so and then air dry them on you, better wait for warm weather.
by TheGreyingDuke
Sun May 10, 2020 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Help please creating protective, spendthrift, and living trusts.
Replies: 8
Views: 862

Re: Help please creating protective, spendthrift, and living trusts.

Lazareth wrote: Sat May 09, 2020 5:15 pm Dear Bogleheads,
I am a novice at trusts but have looked over many threads here and posts by bsteiner, afan, and other informative posters. I recently read the book "From the Grave". You've all made me appreciate that I need to get prepared first.
by TheGreyingDuke
Fri May 08, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1817

Re: Worth Buying a Used Phone on Swappa?

I have bought several phones on Swappa, looking for like-new examples of the just replaced model. Recently I bought a Pixel 3XL for $300, it was from someone who asserted they tried it and decided to go back to an iPhone. It was very mint and hundreds less that Google wanted. I did have one example ...
by TheGreyingDuke
Fri May 08, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1429

Re: Plunger reccomendation for newer toilets

TOH did an interesting short on toilets a few months back. Supposedly flush problems can be caused by the little holes in the toilet rim getting plugged over time. Toilets that incorporate a separate water supply and well as "channel" to improve this rim wash might be the way of the futur...
by TheGreyingDuke
Thu May 07, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Excellent Treasury Direct Experience(s)
Replies: 11
Views: 1661

Excellent Treasury Direct Experience(s)

I had some EE coming up on 30 years, these were paying over 4%. Given all that was going on mid-March, I thought I would deposit them in my Treasury Direct account so that there would be an easy redemption once they matured (May 1). I sent them off with a Forever stamp, two weeks later got an acknow...
by TheGreyingDuke
Mon Apr 27, 2020 8:55 pm
Forum: Personal Investments
Topic: Do Vanguard and Trust Accounts Mix Well?
Replies: 11
Views: 1000

Re: Do Vanguard and Trust Accounts Mix Well?

They will want the first and last pages of the trust document, no difference in operations compared to individual or JTROS account
by TheGreyingDuke
Sun Apr 26, 2020 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Does Grandpa need a new 529 each year for EE bond contribution?
Replies: 3
Views: 395

Re: Does Grandpa need a new 529 each year for EE bond contribution?

In 2020 I open a 529 with myself as beneficiary. When the bonds for 2020 mature, I deposit the proceeds into the account and then change the beneficiary to my grandchild. In 2021 I open another 529 with myself as beneficiary and repeat the action of 2020, and so on for the next ten years as new EE b...
by TheGreyingDuke
Sat Apr 25, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does Grandpa need a new 529 each year for EE bond contribution?
Replies: 3
Views: 395

Does Grandpa need a new 529 each year for EE bond contribution?

I understand that the proceeds of my maturing EE bonds, issued after 1989, are able to be contributed to a 529, with me as beneficiary. I can then change the beneficiary to my grandson/daughter. But I have EE bonds coming due each year for the next 5 years or so, does that mean each year I need to o...
by TheGreyingDuke
Sat Apr 25, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 18020

Re: Gardening 2020

We're just about to plant two main garden areas. Just finished discing the dirt and getting it fluffed up. First, a 35 x 50 foot area that will be all corn. Two varieties, both supersweet, Vision F1 (yellow) and Glacial F1 (white.) First time we've planted this much, I calculate this to be about 15...
by TheGreyingDuke
Thu Apr 23, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5857

Re: Costco Delivery

Long time Costco member here, about 4 years ago I moved to an area with no Costco but a BJs; they are not equivalents, Costco is much more to my liking with their selections. I stayed with BJs, mostly for the $10/pund parmesan cheese, the real stuff. Now they seem to have dropped this item so have b...
by TheGreyingDuke
Wed Apr 22, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2586

Re: Aeropress coffee machine stuck in shipping

The recommendation for my Barazata Encore coffee mill suggests using the same setting for Hario drip and the Aeropress, one data point. I do as suggested and find that I like the Aeropress just a notch or two finer. You ask for "thicker" coffee, that can depend on the particular variety yo...
by TheGreyingDuke
Tue Apr 21, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Growing Fruit and Vegetables
Replies: 30
Views: 2009

Re: Growing Fruit and Vegetables

Lots of good suggestions here... 1) Grow what you like 2) Avoid varieties that take a lot of space for the output, you don't have much space. This would include corn, cukes, winter squash. 3) Plant succession crops, depending on your climate the same space can yield several crops over the season. Pe...
by TheGreyingDuke
Sat Apr 18, 2020 10:32 am
Forum: Personal Investments
Topic: Where do we put 74 year old mother-in-laws money?
Replies: 16
Views: 1160

Re: Where do we put 74 year old mother-in-laws money?

My wife and I recently sold her mom's house (she's now in assisted living and loving it) and I had my wife close her mom's brokerage account at Ameriprise. There were 9 funds that made up the account, I don't know the exact ones at the moment. So with my goal to have my mother-in-law not outlive he...
by TheGreyingDuke
Fri Apr 17, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Banking-External Links to other banks
Replies: 5
Views: 444

Re: Banking-External Links to other banks

That's odd. I transferred money to other people's accounts on multiple occasions. Right, you can do an ACH transfer to someone else's account. In addition, back in the Vanguard Advantage days, I would need to wire money to Hong Kong, not a problem. I did have voice verification in place, not sure h...
by TheGreyingDuke
Fri Apr 17, 2020 6:30 pm
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 52
Views: 5220

Re: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors

One more: how about investors who already own it in one fund, and now want to buy it in a different existing fund? For instance, have it in a taxable account, don’t yet have it in their IRA and want to add it? Decades ago I wanted to buy Windsor, it was closed to new investors, my father transferre...
by TheGreyingDuke
Fri Apr 17, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Growing Potatoes
Replies: 9
Views: 1051

Re: Growing Potatoes

Kennebecs are a good all-around spud and apparently has some resistance to late blight
by TheGreyingDuke
Fri Apr 17, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: Growing Potatoes
Replies: 9
Views: 1051

Re: Growing Potatoes

I'm tripling my vegetable garden this year to save money and want to try potatoes. It is my understanding that store-bought potatoes can be used even though they have something put on them to inhibit sprouting, but are they treated for or are they blight-resistant? I am not sure what you mean by &q...
by TheGreyingDuke
Sun Apr 12, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2742

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

I'd like to offer a third alternative. Negotiate between several dealers for the lowest "out the door" price by email. It depends on the brand and model but you should be able to get at least 15% of MSRP that way. I recently used this method and got a $45k MSRP Toyota for $37k. You can do...
by TheGreyingDuke
Fri Apr 10, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4976
Views: 1315103

Re: What Book Are You Currently Reading? Part VI

The Origins of Totalitariansim by Hannah Arendt From Wikipedia: Le Monde placed the book among the 100 best books of any kind of the 20th century, while the National Review ranked it #15 on its list of the 100 best non-fiction books of the century. The Intercollegiate Studies Institute listed it am...
by TheGreyingDuke
Tue Apr 07, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3510

Re: Coffee Grinders

Any of the Barazata mills will do great. The Encore does not work so well if you are making espressos, otherwise it is fine. Great service, easily replaceable wear parts, solid machines.
by TheGreyingDuke
Tue Apr 07, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 18020

Re: Gardening 2020

Maybe I should rip up my front lawn and plant beans, tomatoes and sweet corn there. My city is fussy but I can claim it is my patriotic duty. Lawn services are not allowed to operate in my state during the stay-at-home order. Not sure if you were being facetious but corn needs to be grown in fairly...
by TheGreyingDuke
Tue Apr 07, 2020 7:23 am
Forum: Personal Consumer Issues
Topic: hand tool rototiller-like thing for deck planters
Replies: 8
Views: 382

Re: hand tool rototiller-like thing for deck planters

I would consider other options for solving your problem of compacted soil. Tilling can make the problem worse, as it breaks up the desired soil texture, allows evaporation of beneficial nutrients, and can create an impenetrable smear level. The roots you mentioned as a problem should be able to add ...
by TheGreyingDuke
Tue Apr 07, 2020 7:01 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 18020

Re: Gardening 2020

* She Russian Kale is apparently a perennial and we'll be having a kale salad soon. Not a perennial but a biannual, sometime late Spring it will put out a flower/seed stalk. But if you start some kale now (indoors) and plant it out come April 20 or so, you could have an uninterrupted supply of kale.
by TheGreyingDuke
Sun Apr 05, 2020 6:56 am
Forum: Personal Investments
Topic: Treasuries - No state tax - How to do when filing taxes
Replies: 5
Views: 524

Re: Treasuries - No state tax - How to do when filing taxes

Treasuries are easily handled as mentioned above; if you hold funds that hold treasuries there is a more complicated calculation that needs to happen. Vanguard publishes a list of each fund and the % of its income that is derived from Treasuries. You need to haul ut the calculator and figure out the...
by TheGreyingDuke
Fri Apr 03, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 424
Views: 32876

Re: So what are you cooking

Tonight, for my wife, son, and daughter-in-law:

MaPa Tofu
Tiger Skin peppers
Hot and sour potato threads
Fried Rice
Scallion Pancakes, dipping sauce
Broccoli and tree ears

We have time on our hands, what better way than to cook up a storm!
by TheGreyingDuke
Mon Mar 30, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Water line replacement - is HOA responsible?
Replies: 24
Views: 1545

Re: Water line replacement - is HOA responsible?

What do your bylaws and proprietary lease say?
by TheGreyingDuke
Sat Mar 28, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3067

Re: Stand Mixer

I assume you are talking about the Kitchen Aid models? I have been making all of our bread (and we supply our son and his family) for years. I make 6-8 lbs of dough at a shot, every week or so. A KA would not work, 15 years ago about one of these and have never looked back: https://www.everythingkit...
by TheGreyingDuke
Thu Mar 26, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?
Replies: 30
Views: 2117

Re: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?

As a mental health clinician, I share your concern. If you need help, get it! Pay cash if you can and then there is no trace (or little trace).
by TheGreyingDuke
Wed Mar 25, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Can I Book Plane Tix with Points And Cancel Card Before Flying?
Replies: 8
Views: 677

Re: Can I Book Plane Tix with Points And Cancel Card Before Flying?

Too many uncertainties at this time to wager on your taking a flight in the near future. I would take the cash (it is king!) and run.
by TheGreyingDuke
Tue Mar 24, 2020 7:04 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 758

Re: H&R Block and missing form 8911, EV Charging credit

Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to be passed by Congress; that is manifestly incorrect. I see they have some questions about the rebate but direct you to the IRS site for instructions. I'm confused. I e-filed...
by TheGreyingDuke
Mon Mar 23, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 758

Re: H&R Block and missing form 8911, EV Charging credit

I just did an online search and found that this form is still not available for HRB customers but is available for TT customers. The OP may want to consider the alternative. Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to...
by TheGreyingDuke
Tue Mar 17, 2020 7:50 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand Vanguard's Settlement Fund
Replies: 10
Views: 1721

Re: Help Me Understand Vanguard's Settlement Fund

dratkinson wrote: Mon Mar 16, 2020 9:17 pm
A brokerage account has a settlement fund. At Vanguard, it may be the Prime mmkt fund (VMMXX).
That was the default in the past, now it is the Federal Money Market Fund
by TheGreyingDuke
Mon Mar 16, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11177

Re: Daycare closed

Not in this situation, but I believe many jurisdictions (mine is) have temporarily liberalized rules for home daycare. There also might be some other parents that are not working their regular jobs because of this Corona Virus mess - and they might be willing to watch or take care of your children....
by TheGreyingDuke
Fri Mar 13, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: A messy estate to settle, New Mexico
Replies: 6
Views: 916

Re: A messy estate to settle, New Mexico

Hopefully your friend's friend hasn't yet petitioned the court for letters of appointment. If they have, they should seriously look into their options for resigning the appointment (I'm not sure how easy this is in each state). My friend is not involved in any official way (executor, personal repre...
by TheGreyingDuke
Thu Mar 12, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: A messy estate to settle, New Mexico
Replies: 6
Views: 916

A messy estate to settle, New Mexico

A friend is helping a friend (really!) settle an estate in NM. Without lots of narrative the beneficiaries (2 generations) cannot reach agreement on settling; the will was totally inadequate and made little provision for distributions. The question is is there available any arbitration or mediation ...
by TheGreyingDuke
Wed Mar 11, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software - Can't E-File Due to Form 1116 Country Issue
Replies: 19
Views: 1555

Re: H&R Block Software - Can't E-File Due to Form 1116 Country Issue

As I mentioned in another thread, H&R does not have form 8911, needed to file for credit for installing electric vehicle charging equipment. It turns out they haven't had that form forever, really inexcusable on their part. I will reluctantly return to TurboTax, after a three-year hiatus.
by TheGreyingDuke
Fri Mar 06, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Staying Proficient on Windows PCs
Replies: 33
Views: 2208

Re: Staying Proficient on Windows PCs

OpenOffice as been supplanted by LibreOffice, not sure if the legacy app is still available. It has been my go-to app on Mac, Windows, and Linux machines for years
by TheGreyingDuke
Fri Mar 06, 2020 8:21 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 758

Re: H&R Block and missing form 8911, EV Charging credit

HueyLD wrote: Fri Mar 06, 2020 7:06 am I just did an online search and found that this form is still not available for HRB customers but is available for TT customers.

The OP may want to consider the alternative.
Taxes are all but done at this point, I will give them another week
by TheGreyingDuke
Fri Mar 06, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 758

Re: H&R Block and missing form 8911, EV Charging credit

nalor511 wrote: Fri Mar 06, 2020 2:14 amAsk them?
Tried to do so, was on a messaging queue with 25 ahead, gave up and went to dinner. :happy