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Re: Treadmills [vs. Ellipticals]

I ended up buying a used Sole E55 off craiglist. At $600, it was less than half of new price, and seems in really good shape so far.
by RustyShackleford
Wed Oct 29, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 3840

Re: house odor after crawlspace encapsulation

Rusty, just curious if you had plugged in a humidifier yet or done any other changes to the crawlspace? Sorry, hadn't looked at this thread in awhile and don't get auto-notifications. Yes, I plugged in a free-standing room dehumidifer and it has dropped the humidity to 50% or so. I think it's using...
by RustyShackleford
Wed Oct 29, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: bath tub [replacement]

Mingus wrote:What kind of sharp heavy objects does your girlfriend take into the shower and tub with her she is worried she is going to drop and chip the enamel surface

That's a damn good question.
by RustyShackleford
Fri Oct 17, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 796

Re: bath tub [replacement]

Mingus wrote:Kohler cast iron tub.

GF worries you drop something on it and it chips and is difficult to repair.
by RustyShackleford
Fri Oct 17, 2014 2:21 am
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 796

Re: bath tub [replacement]

Our house has two bathrooms. The other has a nice tiled two-person walk-in shower. So definitely want this bathroom (the one that's being remodeled) to have a tub. Can definitely handle a tub without ledges, because the custom-tiled surround can have recessed shelfs for soap etc. So that's what I me...
by RustyShackleford
Thu Oct 16, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 796

bath tub [replacement]

I'd like to replace the scuzzy one piece bathtub/shower unit in one of my bathrooms with a nicer tub and a tile surround. Not a jacuzzi tub - having heard that sub-$1000 ones are junk and if spending more, maybe just do an outside hot tub. Anyhow, I'm trying to pick out a bathtub. I gather that acry...
by RustyShackleford
Thu Oct 16, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: bath tub [replacement]
Replies: 9
Views: 796

Re: What happened to the audiophile?

I think it's part of a general trend, in America at least, of people more and more prioritizing cost and convenience over quality. You see it everywhere, perhaps most disturbingly when it comes to civic infrastructure. There are plenty of audiophiles left though.
by RustyShackleford
Tue Oct 14, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3745

Re: PhD in Computer Engineering?

It looks like in computer science related fields, higher degrees are negatively related to the amount of money you can earn. My experience, working in a major university computer-science department, was that there was a negative correlation between intelligence/ability and degree earned. IOW, the g...
by RustyShackleford
Tue Oct 14, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: PhD in Computer Engineering?
Replies: 33
Views: 3353

Re: house odor after crawlspace encapsulation

Santa Fe also makes high efficiency dehumidifiers ... My parents got one to dry out their house in New Orleans after Katrina and it worked well. Thanks, I'll check those out too. The NOLO reference is certainly a testimonial ! I've been told all along that I need to supplement the crawlspace encaps...
by RustyShackleford
Thu Oct 02, 2014 12:29 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

I'm wondering why the humidity is high (at 70%) but the wood moisture is relatively low (13%). I don't have any facts to back it up, but that just seems out of whack to me. Misunderstanding ... The link I gave shows that wood is equilibrium with 70/70 air will be at 13%; a numerical fact, apparentl...
by RustyShackleford
Wed Oct 01, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

rusty, I may have missed it if you answered, but does your crawlspace have air conditioner or dehumidifier in it? There is a small outlet from the main HVAC supply plenum, as per code. I do have a stand-alone dehumidifier that I could try putting down there. As humidity is only 70%, and a good bit ...
by RustyShackleford
Wed Oct 01, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

I live in hot, humid south and have a crawl space. Moisture is a big problem in the summer but rest of year conditions for the crawl space are fine. This year I got a quote for encapsulation ranging from $10 to $14k depending on how it was done. I paid about $4000, and got another very similar quot...
by RustyShackleford
Wed Oct 01, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

There is a small outlet from the main HVAC supply plenum, as per code. Is there also an air intake? was the crawlspace insulated as well? (at that point it's basically a 'basement') :) No air intake. I think the point of having a small outlet from the HVAC supply plenum, but no return, is to create...
by RustyShackleford
Wed Oct 01, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

rusty, I may have missed it if you answered, but does your crawlspace have air conditioner or dehumidifier in it? There is a small outlet from the main HVAC supply plenum, as per code. I do have a stand-alone dehumidifier that I could try putting down there. As humidity is only 70%, and a good bit ...
by RustyShackleford
Tue Sep 30, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

Did you see the little videos at the bottom of one of the links? Apparently, this odor problem is not unheard of at all. Just watched 'em; them seem to imply "soil gas" is the main culprit. But a response, earlier in this thread, suggested dying/drying-out mold could also be the problem.
by RustyShackleford
Tue Sep 30, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

Wow, those are some interesting links. Sounds like this dying-mold ammonia smell, or perhaps soil gas, are the most likely culprits. For the former, adding a fungicide seems reasonably simple (no, I did not have this done prior to encapsulation), but the soil gas requires a radon mitigation system, ...
by RustyShackleford
Tue Sep 30, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

... vented crawl spaces have been a proven and effective system for over 65 years. Ventilation allows for effective moisture control when designed properly. Your "opinions" also don't make it "right". The above statements are simply contrary to my direct observations, not my opi...
by RustyShackleford
Tue Sep 30, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: house odor after crawlspace encapsulation

I hope rusty can respond, since his encapsulation is already a fait accompli, and let us know how it goes. I still think it was the right thing to do, in MY climate (the hot-humid southeast); before, like folks said, hot humid air flowing under house and condensing there. In fact, I think the first...
by RustyShackleford
Tue Sep 30, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

house odor after crawlspace encapsulation

My house has developed a strange smell. I think it has to do with the encapsulation of the crawlspace, which I had done about a year ago, because I first noticed the odor IN the crawlspace, and assumed it was just a residual odor from the materials they used (rigid foam insulation board, spray foam ...
by RustyShackleford
Mon Sep 29, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3457

Re: Gas Water Heater Upgrade worth the $$$

tomd37 wrote:Are you talking natural gas already in the area or propane that has to be tanked in?

If the answer is propane, forget it. Electric is almost certainly less expensive to operate (as well as to purchase and install).
by RustyShackleford
Mon Sep 29, 2014 2:17 am
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1858

Re: Treadmills

Lots of recs for the Sole treadmills, but what about the elliptical ? What are pros and cons of the various elliptical models ? I'm not a fan of ellipticals. I know they are supposed to be easier on the joints but they hurt my knees. I would definitely go with a treadmill over an elliptical. If you...
by RustyShackleford
Fri Sep 26, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 3840

Re: Treadmills

Lots of recs for the Sole treadmills, but what about the elliptical ? What are pros and cons of the various elliptical models ?
by RustyShackleford
Fri Sep 26, 2014 12:47 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 3840

Re: Rewards credit card advice

Not sure if you shop at Lowes much, but I recently bought a house and use the Lowes credit card when I shop at the store (which is fairly often unfortunately given the stately condition of my house :happy ). The card give me a 5% discount. Perhaps more helpfully, it gives me a flat fee of $20 for d...
by RustyShackleford
Fri Sep 26, 2014 12:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 63389

Re: Determining who makes it past age 90?

Guess I'll follow Woody Allen's lead and take up smoking because it will soon be good for you. Sherlock Holmes smoked opium and was one of the smartest men ever. Anyone, to whom this is a surprise, needs to look into the "myth of the addict". It's undoubtably true that smoking tobacco is ...
by RustyShackleford
Tue Sep 02, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1977

Re: LED recessed lighting question

Haven't read the whole thread, so please forgive redundancy ... I replaced all the trims in my 6" Halo cans with ones that were both airtight and included a reflector. So I can just use ordinary (much cheaper) bulbs, be they incandescent, CFL, or LED. Halo part numbers were 30CAT and 30PAT, and...
by RustyShackleford
Mon Sep 01, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 1230

Re: Trying to understand the 1040 Tax Table

Yep, I have a similar spreadsheet; I take my taxable income, or rather the part of it taxed at the ordinary rate (excluding QDI and LTCG), lets say it's in cell D46, and apply the function FLOOR(D46,50)+25. The formula in my spreadsheet is similar to yours. It is @ROUND((AM47+25)/50,0)*50-25. It fi...
by RustyShackleford
Thu Aug 28, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2524

Re: Trying to understand the 1040 Tax Table

I have a homemade spreadsheet which mimics a tax form including the income taxed which come from the tax table. I am able to convert the income amount to the midpoint of the $50 range then calculate the taxes due based on that adjusted income amount. That amount matches the tax shown in the tax tab...
by RustyShackleford
Thu Aug 28, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2524

Re: using the 15% tax bracket

gd wrote:I think you'll get consensus only that the LTCGT for lower brackets won't go down. I'd hope unanimous, but one never knows.

I feel pretty certain that the LTCG tax will never be negative :-)
by RustyShackleford
Mon Aug 25, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

In my opinion LTCG harvesting is a fine idea, I've been doing it for a few years, but because it fits my other circumstances. I also do it to clean up my record-keeping, by the way, trimming FIFO-basis funds with regular reinvestments going back 25 years. That's probably worth quite a bit to my fut...
by RustyShackleford
Mon Aug 25, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

Rusty wrote: Yeah, no one gets excited when I describe my two-class strategy either. Reckon it's too much trouble I guess. I'm starting to think that too, as I invariably keep the equity conversion. Of course, I've only employed the strategy since 2010, and one of these days the equity will under-p...
by RustyShackleford
Mon Aug 25, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

Although I've brought up a variation of your Roth conversion strategy on this forum before, no one ever seems to get excited . Would you elaborate on this please? http://www.bogleheads.org/forum/viewtopic.php?f=2&t=120771&hilit=+roth Sure, this explains the basic strategy, although I person...
by RustyShackleford
Sun Aug 24, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

A key factor in Roth conversions is whether one's tax bracket is higher or lower in retirement. That's why I refuse to do any conversions that are taxed at higher than 15%. Of course, I have that luxury since I have little other taxable income in my semi-retirement. I can't really imagine having a ...
by RustyShackleford
Sun Aug 24, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

I don't think it is even close. I would favor filling the 10% and 15% bracket with Roth conversions which in addition to allowing TIRA money to come out in a low bracket will lower your RMD's when those come to pass at age 70.5 Lots of ways to avoid paying any tax at all on LTCG: ... That's kind of...
by RustyShackleford
Sat Aug 23, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

Also consider possible state tax ramifications. ... If you're in the 15% federal bracket your state tax burden can easily be more than a third of your marginal rate on conversions and 100% of your marginal rate on LTCG. State tax treatment of LTCG and IRA conversions varies, with most (but not all)...
by RustyShackleford
Sat Aug 23, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

What two asset classes do you use in your conversion strategy? Total bond market/total stock? Yes, in theory. In practice, whatever is in my TIRA (which is only about 15-20% of my egg) that seems un-correlated. For 2013 it was DBC (commodities) for one, and cash in the other, which I then invested ...
by RustyShackleford
Sat Aug 23, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

Although I've brought up a variation of your Roth conversion strategy on this forum before, no one ever seems to get excited as I do. Take a look at the Callan Periodic Table and you can see that by splitting further and by filing an filing extension, you can easily get 40%+ on one of the converted...
by RustyShackleford
Sat Aug 23, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

Don't overlook Peter's point about the stepped up basis. Your heirs can inherit the appreciated stock and pay no tax on all that gain. It might be better to use that 10 and 15% space for Roth conversion. Thanks for reminding me, because I DID miss his point at first. If I understand the idea, if I ...
by RustyShackleford
Sat Aug 23, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: using the 15% tax bracket

... what's going to happen to LTCG ... we're not supposed to speculate. Oh, for heavens' sake ... (As long as we don't bring in politics) But one thing you didn't mention is harvesting your LTCG with zero taxes when the markets are up gives you a higher basis which potentially could be advantageous...
by RustyShackleford
Fri Aug 22, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

using the 15% tax bracket

For a person like me - retired or semi-retired, and comfortable but not wealthy - the 15% federal tax bracket (and the 10%) is very valuable; that's because it's a low rate (duh), and even lower (i.e. 0%) for long-term capital gains and qualified dividend income (QDI). So it's important to me, in my...
by RustyShackleford
Fri Aug 22, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4600

Re: Inflation-indexed SPIAs: A Good Deal?

Is there a site that will give quotes online for these (inflation-indexed SPIA) ? Vanguard used to have one for AIG. They actually removed the inflation-cap during the time I was pondering whether to get one. (BTW, mine started in 2007 at age54 with an initial return of about 4.4% of my principal; s...
by RustyShackleford
Fri Aug 22, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation-indexed SPIAs: A Good Deal?
Replies: 22
Views: 3086

Re: CPI table

May I ask a question to the OP though? Why do you care about monthly updates? Why not wait for the end of the year update? Not sure if you refer to an EOY update of the monthly figures, or just an EOY figure. Either way, it's because various coupon payments are based on monthly figures and because ...
by RustyShackleford
Sat Aug 16, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436

Re: Vanguard: "Social Security: How to decide when it's time

Leif wrote:
RustyShackleford wrote:That's just amazing. I wonder how many people know about this ? So all one has to do is file&suspend at 66yo (assuming that's your FRA).

I hope it does not get too much press and disappears on us like something else I can think of.

Oh, you're such a tease. What else can you think of ?
by RustyShackleford
Sat Aug 16, 2014 2:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 6032

Re: Vanguard: "Social Security: How to decide when it's time

Sorry to be dim, but what is a scenerio where it'd be helpful ? Let's say I "file and suspend" at FRA (66yo for me). If, sometime between then and age 70, I decide I'd like to start receiving benefits, I can imagine two things. A, I start getting benefits at that time, at the same level a...
by RustyShackleford
Fri Aug 15, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 6032

Re: CPI table

Oicuryy wrote:
RustyShackleford wrote:I was really hoping for a single link that I could bookmark.

Try this one.
http://research.stlouisfed.org/fred2/data/CPIAUCNS.txt

Ron

Thanks.
by RustyShackleford
Thu Aug 14, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436

Re: CPI table

Wow, ok, thanks for explaining all that. Series code CUUR0000SA0 is clearly the one I want: it gives the numbers used for computing TIPS inflation-factors, for inflation adjustments for my AIG SPIA, and for coupon payments for my Sallie-Mae bonds (ticker ISM and OSM). Still though, looks like I have...
by RustyShackleford
Thu Aug 14, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436

Re: Vanguard: "Social Security: How to decide when it's time

File and suspend can be helpful for unmarried people as well. ... it allows you to "change your mind" back to the date of suspension. The key point to note is that the effective date of reinstatement can be in the past, as long as it was during the suspension period. Sorry to be dim, but ...
by RustyShackleford
Wed Aug 13, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 6032

Re: CPI table

I still don't get why you need an update for 1913 every month. The numbers really shouldn't be changing. Have the 1913 numbers changed once since the 1982-84 resetting? You're entirely correct, of course, as I update my spreadsheet several times per year. But I don't update it every month, so it wa...
by RustyShackleford
Wed Aug 13, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436

Re: CPI table

Or you could refer to a table I update each month with the same figures [ * ] going back to 1961. Bingo, we have a winner. This is because the BLS shows corrected figures; but I show the the uncorrected figures that were used in computing inflation adjustments for TIPS and I Bonds. (See this BLS we...
by RustyShackleford
Tue Aug 12, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436

Re: CPI table

I went to tables. I clicked on CPI Detailed Report (tables 1-29) June 2014 (PDF). I scrolled to Table 24. The first page shows every month from 1913 to 1969. The next page shows the annual numbers for the same years. The next page shows every month from 1970 to June 2014. The next page shows annual...
by RustyShackleford
Tue Aug 12, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436

Re: CPI table

Table Containing History of CPI-U U.S. All Items Indexes and Annual Percent Changes From 1913 to Present is now available in the CPI Detailed Report as Table 24 You have to ignore all the other tables. Since you are updating your own table, do your really need the data from 1913? Wouldn't the curre...
by RustyShackleford
Tue Aug 12, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1436
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