Search found 1824 matches

by TheGreyingDuke
Sat Oct 03, 2020 8:02 pm
Forum: Personal Investments
Topic: Easy death question
Replies: 15
Views: 2923

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: 3785

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: 3785

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: 3785

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: 3785

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: 3785

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: 776

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: 856

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: 7974

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: 435

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: 435

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...
by TheGreyingDuke
Mon Sep 07, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Do you have a lot of "actions" in your retirement life?
Replies: 68
Views: 8108

Re: Do you have a lot of "actions" in your retirement life?

No problem after 14 years retired.Typical April-October day: 630-730- catch up on news, email 730-830- Meditate 830-930- breakfast with spouse 930-11- help straighten house, body weight exercise 11-12- walk around the neighborhood, chat up neighbors 12-3-garden work (2000 sq ft) 3-5 bike ride or hik...
by TheGreyingDuke
Fri Sep 04, 2020 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Annuity for a friend with my wife as "successor"
Replies: 9
Views: 927

Re: Annuity for a friend with my wife as "successor"

Jack FFR1846 wrote: Thu Sep 03, 2020 4:59 pm To avoid gift reporting and reduction of your lifetime gifting amount, you can directly pay any medical bills of any amount without reporting.

It's like the college tuition thing.
No worry about hitting the (current) gifting limit!
by TheGreyingDuke
Thu Sep 03, 2020 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity for a friend with my wife as "successor"
Replies: 9
Views: 927

Re: Annuity for a friend with my wife as "successor"

We have a longstanding friend who is in dire shape; without going into detail, she is living in NYC, serious cancer diagnosis, probably not that long to live. We have provided some lump sum help but I would like to put some shape to our future contributions. That gave rise to the thought of buying ...
by TheGreyingDuke
Thu Sep 03, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity for a friend with my wife as "successor"
Replies: 9
Views: 927

Re: Annuity for a friend with my wife as "successor"

HomeStretch wrote: Thu Sep 03, 2020 3:16 pm Does your friend receive benefits through Medicaid? If so, will either a monthly lump or annuity from you impact the friend’s Medicaid eligibility?
Good point, will check that out, thanks
by TheGreyingDuke
Thu Sep 03, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity for a friend with my wife as "successor"
Replies: 9
Views: 927

Re: Annuity for a friend with my wife as "successor"

Your advice is congruent with what came to me when typing the query, but I promised I would investigate.

Many thanks
by TheGreyingDuke
Thu Sep 03, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity for a friend with my wife as "successor"
Replies: 9
Views: 927

Annuity for a friend with my wife as "successor"

We have a longstanding friend who is in dire shape; without going into detail, she is living in NYC, serious cancer diagnosis, probably not that long to live. We have provided some lump sum help but I would like to put some shape to our future contributions. That gave rise to the thought of buying a...
by TheGreyingDuke
Sun Aug 30, 2020 5:40 am
Forum: Personal Consumer Issues
Topic: What purchases are you planning now for the Fall/Winter to get ahead of demand?
Replies: 57
Views: 7084

Re: What purchases are you planning now for the Fall/Winter to get ahead of demand?

Getting seedlings going requires 16 hours of light, south-facing windows will not make it. I use the cheapo LED shop lights, keep them on 18 hours a day with a timer and grow great starts. Can you share a link to the sort of lights you mean? The strips or the bulbs? https://www.walmart.com/ip/Hyper...
by TheGreyingDuke
Sat Aug 29, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: What purchases are you planning now for the Fall/Winter to get ahead of demand?
Replies: 57
Views: 7084

Re: What purchases are you planning now for the Fall/Winter to get ahead of demand?

Have you done this before? I’d love to grow some. And we have a south facing room with plenty of windows. But we keep 70 degrees during the day and 62 at night in winter. The room has its own hvac so we can adjust if needed. Most plants in that room just die out in winter. But I am wondering if gro...
by TheGreyingDuke
Sun Aug 23, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: PayPal weirdness
Replies: 12
Views: 1135

Re: PayPal weirdness

Watty wrote: Sun Aug 23, 2020 10:51 am It would be good to get your credit reports to make sure that no one opened a bogus credit card in your name.

If you do not already have it then you should also freeze your credit reports.
Credit report has been frozen for years, there is no report of a bogus card, thanks
by TheGreyingDuke
Sun Aug 23, 2020 5:27 am
Forum: Personal Finance (Not Investing)
Topic: PayPal weirdness
Replies: 12
Views: 1135

Re: PayPal weirdness

It wasn't an email it was a text, it was not a scam as the transaction actually took place and I accessed it via my login on the PayPal site. On the surface it appears what happened is that I got a text that someone else should have received.
by TheGreyingDuke
Sat Aug 22, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: PayPal weirdness
Replies: 12
Views: 1135

Re: PayPal weirdness

I sent the chat via my account after logging in, so no problem there.

Right, a call would be good but there were no indications on the site that I could find that would tell me how to call. I am done with them.
by TheGreyingDuke
Sat Aug 22, 2020 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: PayPal weirdness
Replies: 12
Views: 1135

PayPal weirdness

I received a text from PayPal telling me that a credit card was charged $1122 for a diamond purchase. The last four digits of the card cited do not correspond to any card I have nor did I make the purchase. When I log into PayPal there is no indication of a transaction. The robot texting communicati...
by TheGreyingDuke
Thu Aug 20, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 102
Views: 6559

Re: Gravel Bike Recommendation

I dont like how Marin and Surly models, so eliminated those before hand. Seems like a lot of people here like them. Itis not clear what you don't like about Surly but... I have had a Long Haul Trucker for 10 years or so, not a racing steed but a (heavy), steady ride. It will take anything you can t...
by TheGreyingDuke
Tue Aug 18, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Question
Replies: 4
Views: 640

Re: Refrigerator Question

34 is too cold for a fridge, I keep mine between so that it maintains 37, you do need a thermometer as the sett points are not always accurate.

https://www.consumerreports.org/refrige ... ood-fresh/
by TheGreyingDuke
Tue Aug 11, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 308
Views: 29918

Re: Oddly Difficult to Find Items During the Pandemic

Although expensive"designer" versions are available, run of the mill apple cider vinegar has been MIA for months,BJs, Costco, Wegman's, We use it to capture vinegar flies that are all over the ripening fruit.
by TheGreyingDuke
Thu Aug 06, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: Groundhog in crawl space
Replies: 34
Views: 2520

Re: Groundhog in crawl space

Old Sage(brush) wrote: Thu Aug 06, 2020 6:03 am Not really a consumer issue and perhaps not the right forum but: anyone successful in trapping a groundhog with a live trap? Suggestions? Thanks in advance!
In most jurisdictions, it is illegal to relocate wild animals; what do you intend to do ith your captive?
by TheGreyingDuke
Mon Aug 03, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing for someone who never leased a car
Replies: 33
Views: 2814

Re: Leasing for someone who never leased a car

It feels like renting. I would make sure you leave a mileage gap. If you normally drive 12k miles a year, do not get a 12k lease. Then you are "mile watching" or you might rent for a long trip. Leasing and turning back in is the most expensive way to go. For your next lease, you have to p...
by TheGreyingDuke
Mon Aug 03, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Leasing for someone who never leased a car
Replies: 33
Views: 2814

Re: Leasing for someone who never leased a car

Short answer: Lease, you're locked in to their terms and you are stuck with the car for the term. Buy, you are free to do whatever you want to with the car at any time. This is not quite true, you can transfer the lease (with most financers) or you can sell the car, just as if you owned it. On my H...
by TheGreyingDuke
Mon Aug 03, 2020 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Leasing for someone who never leased a car
Replies: 33
Views: 2814

Re: Leasing for someone who never leased a car

This site will help put paid to the idea that leasing is always worse (financially) than buying...

https://forum.leasehackr.com/
by TheGreyingDuke
Sun Aug 02, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: VW owners: what online forum do you use?
Replies: 7
Views: 566

Re: VW owners: what online forum do you use?

One chronic issue has been with sunroof leaks on the models so equipped (SE, SEL)
by TheGreyingDuke
Sun Jul 26, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: How to remove mold?
Replies: 13
Views: 1388

Re: How to remove mold?

Bleach will not remove mold from surfaces such as wood, that have some porosity.

https://moldbadger.com/black-mold-remov ... from-wood/
by TheGreyingDuke
Mon Jul 20, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4490

Re: Electrical upgrades for a new build home

If you are going to have them run Ethernet, have them run cat 7. Cat 7 is not that expensive. The interior GFCI receptacle is a rip off as you can replace a normal receptacle yourself with a GFCI for $20. The builder is charging $75 difference between adding a normal vs GFCI receptacle when a GFCI ...
by TheGreyingDuke
Mon Jul 20, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: Electric heat and hot water options
Replies: 17
Views: 977

Re: Electric heat and hot water options

With all the new electric appliances your considering be sure that your electricity entrance is sufficient. Anything less than 150 amps and you may be short of juice.
by TheGreyingDuke
Mon Jul 20, 2020 5:46 am
Forum: Personal Consumer Issues
Topic: Electric heat and hot water options
Replies: 17
Views: 977

Re: Electric heat and hot water options

I’ve considered a heat pump water heater, but haven’t pulled the trigger yet. They should be able to produce hot water much more efficiently than conventional electric water heaters. The drawback is the extra complexity can make them less reliable. Do people still use passive solar to heat water? H...
by TheGreyingDuke
Sun Jul 19, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Yet another solar panel bid
Replies: 13
Views: 2164

Re: Yet another solar panel bid

Apparently, this system can save around $100/month of electric. So, the payoff would be around 10 years. I expected it to pay off a little sooner, but as I have done some reading around here and other sites and this may be a pretty decent deal? Also, apparently, the federal rebate will decrease in ...
by TheGreyingDuke
Tue Jul 14, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Gardening in Summer
Replies: 21
Views: 1076

Re: Gardening in Summer

Not ideal but...

Mulch, use whatever is available, hay, straw, newspaper, anything to keep them shaded. For the first week or so, completely cover the plants with the mulch.

Water daily, slowly so that the water is absorbed.
by TheGreyingDuke
Tue Jul 14, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a vehicle from an individual out of state and having it shipped?
Replies: 6
Views: 632

Re: Purchasing a vehicle from an individual out of state and having it shipped?

Something to take into consideration.....if the car is a lemon, you might not have any recourse. Depends on the laws of that state. If I buy a car....even a used car in my state (MA), it IS covered by the state lemon law, whether from a dealer or from an individual. There are different protections ...
by TheGreyingDuke
Sun Jul 12, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software not allowing form editing
Replies: 28
Views: 1457

Re: H&R Block Software not allowing form editing

I needed to file a form 8911 for credit for installing an electric vehicle "charger"; H&R did not have the form and had no intention of supplying the form. It was getting late, I manually entered the credit on the appropriate line on the 1040, downloaded and printed the 8911 and paper ...
by TheGreyingDuke
Thu Jul 09, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Pre-fab (modular) home building experience
Replies: 61
Views: 4648

Re: Pre-fab (modular) home building experience

Where the pieces are brought in modules, that's "modular". There is also panelized construction where the wall sections are brought in on a flatbed and erected on site. Especially in the North, site-built homes are hampered by weather, time of year, availability of skilled labor, and the v...
by TheGreyingDuke
Wed Jul 08, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell my car in these times
Replies: 19
Views: 1276

Re: How to sell my car in these times

MMiroir wrote: Wed Jul 08, 2020 3:35 pm Post it for sale on VWVortex.
Of course, I have dropped out of frequenting VWVortex, too much speed and what, but there is my audience.
by TheGreyingDuke
Wed Jul 08, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How to sell my car in these times
Replies: 19
Views: 1276

Re: How to sell my car in these times

Thanks for all the responses... It is not a collector car, but it is one that attracts interest among a small group of cognoscenti. It is not a car for CarMax or Carvana, 12 years od with 170,000 miles. (2009 VW Jetta Sportwagen with the 2.0 turbo engine, only about 1500 imported I am told). I am no...
by TheGreyingDuke
Wed Jul 08, 2020 7:04 am
Forum: Personal Finance (Not Investing)
Topic: How to sell my car in these times
Replies: 19
Views: 1276

How to sell my car in these times

I have an older, much sought after car that is ready to be moved along. I somewhat mindlessly placed an ad and received many inquiries, it only then dawned on me, "How do I conduct this transaction". No gong along for a test drive, disinfecting the car after each showing, what else? May no...
by TheGreyingDuke
Mon Jun 29, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Need tips on buying a used car with a trade in
Replies: 20
Views: 1093

Re: Need tips on buying a used car with a trade in

with everyone staying at home, car prices have plummeted. You should be able to negotiate a good deal if you expand your search and are willing to travel to pick up your new car. As others have noted, selling yourself will get you the best value. But if you want a comp, bid out to Carmax, Vroom, ca...
by TheGreyingDuke
Wed Jun 24, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Can I import this year's H and R Block to Turbo Tax?
Replies: 1
Views: 157

Can I import this year's H and R Block to Turbo Tax?

Started with H and R, they are missing the form for credit for installing electric vehicle charging, have no intention to add it. They suggest filing a paper return and change the figures to comport to the credit. If I were to load Turbo Tax, could I import the return for 2019 from H and R Block to ...
by TheGreyingDuke
Mon Jun 22, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: "Snow Guard" for metal roof: A must or "Hogwash" or a "Hill of Beans"??
Replies: 33
Views: 1730

Re: "Snow Guard" for metal roof: A must or "Hogwash" or a "Hill of Beans"??

Almost 50 years north of 43 degrees north, mostly with metal roofs, always with gutters, never heard of Snow Guards.
by TheGreyingDuke
Sat Jun 20, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Rain barrel questions
Replies: 28
Views: 2467

Re: Rain barrel questions

In our housing co-op we collect rain from the roofs of 8 houses, they go underground to two 1000 gallon septic tanks, and from there they gravity to the garden. It is an advantage to use rainwater as opposed to municipal water for gardens.
by TheGreyingDuke
Mon Jun 15, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Changing phone service and keeping phone #
Replies: 9
Views: 615

Re: Changing phone service and keeping phone #

She can migrate the number with no problem, but maybe consider porting it to Google Voice, it is a forever number, and get a new number for the mobile. Then forward the google number to the new number and you are set. Other features of GV made that worth it to me (like getting calls on my US number ...
by TheGreyingDuke
Mon Jun 15, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1263

Re: EZ-Pass Issue for Pennsylvania

I would suggest that transponders have a lower failure rate than do plate readers. There is also the issue of legality: Some libertarians are angry that a red light camera bills the registered owner of the car (because it is impossible to the bill the "driver" at the time of the violation...
by TheGreyingDuke
Mon Jun 15, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Still working and insured. Should I sign up for medicare at 65?
Replies: 7
Views: 953

Re: Still working and insured. Should I sign up for medicare at 65?

whyme wrote: Sun Jun 14, 2020 12:13 pm My immediate thought is that enrolling sooner may be to the insurance company's advantage, but I can't see what good it does me (until I actually retire, of course).
I many/most cases Medicare will be secondary to your workplace insurance, it doesn't save the employer-based insurer anything.