Search found 925 matches

Return to advanced search

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: 27
Views: 1367

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: 27
Views: 1367

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: 27
Views: 1367

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: 27
Views: 1367

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: 1718

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: 54
Views: 3288

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: 54
Views: 3288

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: 13667

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: 1914

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: 1141

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: 2482

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: 2482

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 4433

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: 3006

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: 1365

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: 5966

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: 5966

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: 1365

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: 1365

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: 5966

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: 1365

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: 1365

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: 1365

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: 1365

Re: CPI table

sscritic wrote:
nisiprius wrote:Is this what you want?

http://www.bls.gov/cpi/cpifiles/cpiai.txt

Probably, except it stopped in January (it is dated 02-20-2014 after the January numbers were released).

Exactly, hence my problem.
by RustyShackleford
Tue Aug 12, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1365

CPI table

Until sometime this year, there was a nice table at the Bureau of Labor Statistics website (http://www.bls.gov) that gave the CPI-U for every month of every year. Each month the table was updated. I found it extremely helpful for a spreadsheet I maintain that computes the proper coupon payments for ...
by RustyShackleford
Tue Aug 12, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1365

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

So "file and suspend" is beneficial just for married couples, right ? It's not a free pass for me to wait until 70yo** to start collecting, but then change my mind if serious longevity issues appear between FRA and 70yo. ** I'm assuming FRA = 66, because if I were that much older I'd alrea...
by RustyShackleford
Tue Aug 12, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5966

Re: Recommendation for a 2 man tent

REI Quarter Dome is a pretty good and low-cost one. If you want to spend a bit more to save some weight, look at some of the more "boutique" brands like Big Sky, Six Moon Designs, etc. Questions to ask yourself: do you want free-standing (as opposed to one that requires staking/tying to er...
by RustyShackleford
Wed Aug 06, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1166

Good Morning Snore Solution

Wondering if anyone has any thoughts or experience with this anti-snoring device: http://goodmorningsnoresolution.com/ Like many, I snore when I'm sleeping on my back. I have mostly trained myself to sleep on my side, where it's rarely a problem. But invariably I will at times roll onto my back and ...
by RustyShackleford
Sat Aug 02, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Good Morning Snore Solution
Replies: 2
Views: 457

Re: TV show recommendations?

I'm pretty fascinated by the first 3 episodes of "The Leftovers" (HBO's newest drama), particularly the 3rd. I don't quite buy the comparisons to "Lost"; there are superficial similarities in the premise, I suppose, but we watched the first episode of each the other night and dec...
by RustyShackleford
Wed Jul 16, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 127713

Re: what is "at-cost investing" ?

Ok, thanks.

As I suspected, it's simply a marketing-gimmick way of saying "low expense ratio".
by RustyShackleford
Tue Jul 15, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1381

what is "at-cost investing" ?

I keep getting emails from Vanguard about "at-cost investing". What the heck is it ? The emails reference a "live video webcast" but I was hoping to not have to tune in just to get a definition. Anyone that can help, thanks.
by RustyShackleford
Tue Jul 15, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1381

Re: Small cap valuations "appear to be stretched"

I guess I don't quite understand the notion that small cap valuations are stretched. If I chart VB versus VTI for the last year:

http://finance.yahoo.com/q/bc?t=1y&s=VB ... I%2C+&ql=1

... the small-cap doesn't look out of line.
by RustyShackleford
Tue Jul 15, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap valuations "appear to be stretched"
Replies: 11
Views: 1416

Re: TV show recommendations?

Interesting round-table discussion with creators of "Mad Men", "Breaking Bad", and "Deadwood":

http://www.gq.com/entertainment/movies- ... avid-milch
by RustyShackleford
Mon Jul 14, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 127713

Re: A look at those hot high dividend yield funds,

freddie wrote:You could buy a bunch of growth funds (see vanguard explorer) which pay tiny dividends (less than .1% last I looked) but the gain in taxes probably isn't worth the loss of diversification.

Or simply choose not to add a "value tilt" to your equity portfolio ?
by RustyShackleford
Thu Jul 10, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: A look at those hot high dividend yield funds,
Replies: 9
Views: 2055

Re: Is it ever ok to tell your boss you have another offer?

denovo wrote:... I've seen employers do it too.

Like I was sayin' ...
by RustyShackleford
Tue Jul 08, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2850

Re: Is it ever ok to tell your boss you have another offer?

A good friend of mine was dissatisfied with her job and interviewed elsewhere, where she got and accepted an offer. When she told her current employer, they fell all over themselves to get her to stay. Made lots of concessions. She decided to renege on the other job and stay where she was. One might...
by RustyShackleford
Tue Jul 08, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2850

Re: TV show recommendations?

For me nothing beats Deadwood and Al Swearingen. Ian McShane was chosen for this role ... I've read Milch quoted as saying he wanted the part to go to Ed O'Neill ("Married with Children") but HBO vetoed. Milch later used him in "John from Cincinnatti", where he was great, as he ...
by RustyShackleford
Sat Jul 05, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 127713

Re: TV show recommendations?

Highly recommend Band of Brothers. Seen it several times. I served in the 101st (not during WWII), and it brought a tear to my eye more than a few times. Great characters. I was on an commercial air flight in 2004 or so. It was pretty bumpy, slightly nervousness-inducing even for a normally fealess...
by RustyShackleford
Fri Jul 04, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 127713
Next

Return to advanced search