Search found 103 matches

by bagelhead
Fri Aug 28, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Recessed/Pendant Lights: Where to Place for this Kitchen
Replies: 9
Views: 701

Recessed/Pendant Lights: Where to Place for this Kitchen

Multiple questions italicized below... For the number of lights in a kitchen, assuming 60 watt-equivalent bulbs, some people suggest the formula: (Square Feet) * 3 / 60 For the kitchen below, that equals approximately 6-8 bulbs (depending on if the square footage is measured by floor or total area -...
by bagelhead
Thu Jul 16, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: Hardwood Flooring: Floating vs. Glue
Replies: 6
Views: 896

Hardwood Flooring: Floating vs. Glue

Engineered hardwood flooring comes in two styles, "click-and-lock" floating floor vs. glue down. Click-and-lock installation costs about 50% less than the price of glue down, which is about 25% less than the total combined material/installation cost. Also, some click-and-lock systems use p...
by bagelhead
Sun Jul 12, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1792

Re: House Layout: Where to put Dining Table?

Thank you for the thoughtful replies. Our layout is similar to the picture but different in size. The family room is about 15x13 (smaller), dining room 13x12 (larger), and living room 18x15 (larger). The breakfast area is smaller and only able to accommodate a 4-person table (we need a 6-person tabl...
by bagelhead
Sat Jul 11, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1792

House Layout: Where to put Dining Table?

Hi, Our house layout has two separate areas -- a living room that is open to the dining room and a kitchen/breakfast area that is open to the family room. It looks similar to below, but the living room is bigger and the family room is smaller. The fireplace is in the living room, and a built-in desk...
by bagelhead
Sun May 31, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Kitchen and Living/Family Room Flooring
Replies: 18
Views: 1850

Re: Kitchen and Living/Family Room Flooring

I just got back from Home Depot and had a conversation with the customer service guy, who basically mirrored a lot of what was said here, except he was more positive about using the vinyl. Would the analysis above, especially the apparent stigma re: vinyl, change if one substitutes a high quality Wo...
by bagelhead
Sun May 31, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Kitchen and Living/Family Room Flooring
Replies: 18
Views: 1850

Re: Kitchen and Living/Family Room Flooring

Thank you for the insights. I have a lot of stereotypes to learn. What if we change a few assumptions and forget upscale: say the house is a medium-end house (average in a nice neighborhood, not type of the line furnishings but above average) and also the owners plan to stay 4-8 years? Does the luxu...
by bagelhead
Sat May 30, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Kitchen and Living/Family Room Flooring
Replies: 18
Views: 1850

Kitchen and Living/Family Room Flooring

A lot of threads on Flooring seem to recommend Home Depot's Allure Vinyl Plank wood-like flooring... for "rentals". http://www.homedepot.com/p/TrafficMASTER-Allure-6-in-x-36-in-Cherry-Resilient-Vinyl-Plank-Flooring-24-sq-ft-case-12012/100593151 Is this specific item also good for an upscal...
by bagelhead
Sat May 30, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: .
Replies: 5
Views: 768

.

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by bagelhead
Sat May 30, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Optimal timing for Rental Move Out vs. Buying Closing Date
Replies: 1
Views: 278

Optimal timing for Rental Move Out vs. Buying Closing Date

Do the Bogleheads have a recommendation on how to best time moving out from a rental house and setting the closing date for a house buying offer? Both of these dates need to be set well in advance, but there is an element of uncertainty for the closing date. If the closing date is set too close to t...
by bagelhead
Sun May 03, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: Closing Account: Schwab Intelligent Portfolio (or Betterment)
Replies: 1
Views: 661

Closing Account: Schwab Intelligent Portfolio (or Betterment)

Hi, What happens when one closes their SIP/Betterment account? Do all of the multiple different ETF's get transferred to one's new institution of choice? Does Schwab/Betterment provide the basis information for all the different lots? Is this a nightmare? Could one fee-saving strategy be to use SIP/...
by bagelhead
Tue Apr 21, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 3585

Broken Oxygen Sensor on Car

Hi, The dealer said we have a broken oxygen sensor on our newer car and would need to be replaced for $500 including labor (not covered by warranty due to physical damage). Based on googling, it seems that oxygen sensors are cheap and replacement/repair is common. Is it worth it to get a second quot...
by bagelhead
Mon Apr 20, 2015 9:36 pm
Forum: Investing - Theory, News & General
Topic: Betterment/Schwab (SIP): Which ETFs to avoid for wash sale?
Replies: 1
Views: 329

Betterment/Schwab (SIP): Which ETFs to avoid for wash sale?

For both Betterment and Schwab Intelligent Portfolios, which specific common ETFs need to be avoided in other retirement/brokerage accounts to avoid wash sale conflicts? (and what are good replacement ETFs for these 2 specific companies) For instance, for Betterment, I understand one should sell the...
by bagelhead
Tue Apr 07, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying TurboTax after tax season is over
Replies: 2
Views: 351

Buying TurboTax after tax season is over

Hi, I have already submitted my taxes via an accountant but want to simulate various tax scenarios (increasing/decreasing income, adding/removing deductions, etc.) to plan for 2015 and beyond. Is it possible to buy TurboTax after the tax season is over, input the big details of one's current taxes, ...
by bagelhead
Sat Mar 21, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2864

Buying a house that had a Dog

Hi,

Do the Bogleheads have any thoughts on buying a house that had a dog living in it?

Thanks.
by bagelhead
Sun Mar 15, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Semi-new House Near New Street with New Constructions
Replies: 3
Views: 393

Buying Semi-new House Near New Street with New Constructions

Hi,

Are there any thoughts (in terms of purchase price and eventual resale value) on buying a fairly new house (5-10 years old) that is located next to a brand new street full of partially completed new houses?

Thanks!
by bagelhead
Sun Mar 15, 2015 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Golf course lot value
Replies: 5
Views: 790

Golf course lot value

Hi, Aside from practical issues (such as privacy, aesthetics, etc.), what is the Bogleheads opinion on the economic value of having a backyard open onto a golf course? Let's assume the golf course lot is a good one (not on the 150 yard slice area, somewhat away from greens/tee boxes). If there are t...
by bagelhead
Sat Mar 14, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Rental offer on house for sale
Replies: 8
Views: 1120

Rental offer on house for sale

Hi,

If a house is on sale to buy for $400,000, what would be the range of monthly rents that would be a fair deal?

What if the house has been on the market for 2 years without any significant price cuts and possibly worth $360,000-$370,000?

Thank you.
by bagelhead
Wed Nov 26, 2014 9:20 pm
Forum: Investing - Theory, News & General
Topic: Frontloading IRA/401k
Replies: 1
Views: 545

Frontloading IRA/401k

Assuming one owns a personal business, can he deposit the $53,000 annual limit for a SEP-IRA on January 1, with the expectation that his annual income will exceed required $212,000?

If for whatever reason he doesn't reach the $212,000 income, how easy is it to correct the overdeposit?

Thanks.
by bagelhead
Mon Oct 27, 2014 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA: Repeated rollovers forever
Replies: 1
Views: 378

SEP IRA: Repeated rollovers forever

Compared to opening a new 401k plan for a business, is there any disadvantage to rolling over the full amount of one's SEP IRA every year (after maxing out the $52,000 annually) into an old 401k? (i.e., any difference between "deposit into SEP, rollover in old 401k, repeat every year" vs. ...
by bagelhead
Fri Oct 24, 2014 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1431

Re: Marginal Tax Rate on Dual Income Couple

Thank you to all for the thoughtful comments.
by bagelhead
Fri Oct 24, 2014 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1431

Re: Marginal Tax Rate on Dual Income Couple

Otherwise, you are engaging in the same erroneous thinking that causes people to say things like "well, there's no point in her working when all of her income just goes to pay for childcare". When I said "Seems like a bad deal when one's entire income is taxed at 50%", I was ref...
by bagelhead
Thu Oct 23, 2014 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1431

Marginal Tax Rate on Dual Income Couple

I remember seeing a useful web site a while ago that had a graph showing the dynamic marginal tax rate as one's income increased (which was very complex and non-intuitive, showing higher marginal tax rates for the mid-income levels than higher income for various reasons -- losing tax credits, AMT, e...
by bagelhead
Tue Oct 14, 2014 11:32 pm
Forum: Investing - Theory, News & General
Topic: Long term gains tax rebalancing vs. Tax efficient placement
Replies: 3
Views: 547

Re: Long term gains tax rebalancing vs. Tax efficient placem

I was wondering if there was a mathematically optimal percentage for tax-advantaged vs. taxable. Would 20% in tax-advantaged be enough? All I could find in that wiki was: Step 5: Place tax efficient funds last Tax-efficient funds are fine in any account. Regular rebalancing of your stock/bond ratio ...
by bagelhead
Tue Oct 14, 2014 3:16 pm
Forum: Investing - Theory, News & General
Topic: Long term gains tax rebalancing vs. Tax efficient placement
Replies: 3
Views: 547

Long term gains tax rebalancing vs. Tax efficient placement

Hi, Conventional wisdom recommends placing tax efficient funds in taxable accounts. Such as VTI in a brokerage account. If VTI goes down, one simply buys more VTI in the taxable account. However, if VTI goes up (and there are no easier ways to rebalance, such as buying the other declining funds), on...
by bagelhead
Sun Sep 21, 2014 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tax reduction strategy
Replies: 3
Views: 736

Pre-Retirement Tax reduction strategy

Assumptions: A couple earns $160k during a pre-full retirement phase and needs roughly $120k for living expenses (matching post-tax income). They already has a moderate sized mix of taxable and tax deferred savings. They have 6 exemptions and $15k of itemized deductions. Would it save taxes to: Max...
by bagelhead
Sat Sep 20, 2014 5:29 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: Any difference for high income vs. low income?
Replies: 4
Views: 666

Re: 4% SWR: Any difference for high income vs. low income?

Solid points. That is, higher income people (implying higher expenses) can have more confidence in a 4% SWR, because they have more ability to adjust their discretionary expenses lower.

What about with respect to taxes? That is, lower income people have much lower marginal tax rates...
by bagelhead
Sat Sep 20, 2014 4:30 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: Any difference for high income vs. low income?
Replies: 4
Views: 666

4% SWR: Any difference for high income vs. low income?

Assuming all else equal (same distribution of tax deferred and taxable accounts), should there be any theoretical difference in using the 4% safe withdrawal rate for people who will be withdrawing a higher amount ($150k) vs. a lower amount ($30k)? I.e., should higher income people use a lower or hig...
by bagelhead
Sun Aug 17, 2014 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling Standard 401k/403b into Solo-401k
Replies: 0
Views: 148

Rolling Standard 401k/403b into Solo-401k

Hi, For simplicity's sake, I would like to rollover a handful of my prior employer 401k/403b accounts into my current Fidelity Solo-401k account. The mutual funds in the employer accounts are excellent, but Fidelity's ETF options are excellent as well. As I'd like to preserve the backdoor Roth optio...
by bagelhead
Sat Feb 15, 2014 3:01 pm
Forum: Personal Consumer Issues
Topic: HSA dates of reimbursement question
Replies: 2
Views: 182

Re: HSA dates of reimbursement question

Thank you, jebmke.
by bagelhead
Sat Feb 15, 2014 2:41 pm
Forum: Personal Consumer Issues
Topic: HSA dates of reimbursement question
Replies: 2
Views: 182

HSA dates of reimbursement question

Is the date for HSA reimbursement and the year from which the HSA funds are deducted based on the Visit date, Invoice date, or the Payment date? For instance, if the doctor's office visit was in December 2013, and the Invoice date was Dec 2013 vs. Jan 2013? (Or the Payment date was Dec 2013 vs. 2014...
by bagelhead
Tue Feb 11, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 10359

Re: Synthetic engine oil worth better/cheaper in the long ru

Reviving this thread with a question...

Some brands say to change the oil within X number of miles or 1 year, whichever comes first. Is there a reason for the 1 year time limit? (re: a lightly driven car that needs changing every 10,000 miles.) Do synthetic oils "break down" over time?
by bagelhead
Sun Dec 29, 2013 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare 20% cost sharing
Replies: 4
Views: 619

Medicare 20% cost sharing

Hi, I am unfamiliar with Medicare payments. In addition to the monthly premiums, if one is hospitalized for a few expensive days, do they have to pay a $1200 deductible plus 20% of physician fees? Is there any cap to these amount per visit or per year? What if the person is also on Medicaid, say in ...
by bagelhead
Sun Dec 29, 2013 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Savings by buying house with cash
Replies: 4
Views: 753

Savings by buying house with cash

Approximately how much would one save (in misc. fees/costs) by buying a house outright with cash? Let's say, for a $300,000 or $600,000 house.

This information would help someone decide whether the extra years it takes to save the cash (with low taxable interest) is worth it. Thanks!
by bagelhead
Thu Nov 28, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Video/Netflix: Kids Educational Videos
Replies: 4
Views: 467

Amazon Video/Netflix: Kids Educational Videos

Hi all,

Do you have any suggestions on good young children educational videos on either Amazon Video or Netflix?

Thank you.
by bagelhead
Thu Nov 28, 2013 4:34 pm
Forum: Personal Consumer Issues
Topic: Weekend Trips with Young Children in Texas
Replies: 4
Views: 511

Weekend Trips with Young Children in Texas

Hi all,

Do the Bogleheads have any recommendations on things to do in Texas with young children? Could be a weekend or full week getaway (half a day drive) or even a day trip. Could even be in a nearby state (such as Shreveport).

Any and all ideas are appreciated!
by bagelhead
Tue Oct 22, 2013 9:00 am
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 2504

Best Sofa with Young Children

Hi, I've gotten different advice regarding what type of sofa to get for a family with young children, who will spill liquid/foods, jump on and throw around the cushions, etc. Some people have said not to get a light color. Other people have recommended leather. Sectional corner sofa's vs. multiple s...
by bagelhead
Thu Oct 10, 2013 8:21 pm
Forum: Personal Consumer Issues
Topic: Best washing machine settings
Replies: 16
Views: 1739

Best washing machine settings

What is the most efficient (cleanest with the least use of energy/water) way to clean clothes using a front-loading washing machine? Underwear, Heavily soiled clothes - Is it necessary to use the "Extra Hot" setting to kill all germs? (Is bleach a better way to kill germs with whites, rath...
by bagelhead
Tue Jun 11, 2013 8:01 pm
Forum: Personal Consumer Issues
Topic: Covered parking
Replies: 8
Views: 1049

Covered parking

Is covered parking (in a hotter climate without snow) worth an extra $50/mo per car?
by bagelhead
Tue Jun 04, 2013 9:43 pm
Forum: Personal Consumer Issues
Topic: Backyard Renovation
Replies: 7
Views: 825

Backyard Renovation

Hi, There are several threads on building or renovating a house but not too much on backyard ideas. What are some great backyard items for a family with children who hosts guests (ideally with an eye towards value)? Such as... - Heated pool (with fence) - Home jungle gym - Covered patio with fan - O...
by bagelhead
Tue Jun 04, 2013 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 53
Views: 6393

Selling older car vs. keeping it for low level use

Hi, What are your thoughts on selling an older but fully functional car vs. keeping it for occasional use? Older car - 7 years old - worth around $7000 - need a new car for more utility Occasional use - few weeks a year for guests use - few days a month for nice-but-not-necessary use - 3000 miles of...
by bagelhead
Sun Apr 21, 2013 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Funding a 401k while Retired
Replies: 5
Views: 664

Re: Funding a 401k while Retired

What FICA taxes does a retired 70+ year old person under independent contractor status pay? Is it the full 15.3%? If so, there isn't much of a benefit for deductibility since they are likely already in a low tax bracket, right?

Thanks!
by bagelhead
Sun Apr 21, 2013 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Funding a 401k while Retired
Replies: 5
Views: 664

Funding a 401k while Retired

Hi, If one is "retired" but works part-time as an independent contractor, and has a taxable brokerage account, can he: - deposit the part-time income into a self-employed 401k - withdraw an equivalent amount of money from a taxable account The goal would be to reduce AGI to avoid taxation ...
by bagelhead
Wed Apr 17, 2013 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Collecting Social Security at 67, Taxes on part-time work
Replies: 3
Views: 659

Collecting Social Security at 67, Taxes on part-time work

Hi,

If one is collecting Social Security at full retirement age, and that person works part-time as an independent contractor, does he have to pay Social Security tax? If so, will this payment increase his benefits?

Thanks.
by bagelhead
Sat Apr 06, 2013 8:27 pm
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2928

Re: House facing direction and Solar heat

Great discussion. The original question was really an academic exercise but one that, if you know the answer to, you might apply to real life analysis. In a latitude like Florida or Texas, I'm surprised people say South would be hotter than West... Although the sun is constant, the indirect angle mi...
by bagelhead
Wed Apr 03, 2013 11:16 am
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2928

Re: House facing direction and Solar heat

All else equal, assuming only 1 side of the house with windows for arguments sake, which is cooler for each of these 3 comparisons: 1. "N vs NE" - so far, consensus is N is cooler than NE 2. "SE vs S vs NW" - so far, consensus is NW is cooler than SE is cooler than S 3. "SW ...
by bagelhead
Tue Apr 02, 2013 11:08 pm
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2928

Re: House facing direction and Solar heat

For which side, let's assume the house is a cube with only 1 side of windows, the rest walls. Which way should the window-side face to reduce the most heat (all other variables equal, assume Florida as the location)?
by bagelhead
Tue Apr 02, 2013 10:16 pm
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2928

House facing direction and Solar heat

Could the group come to a consensus on what they believe is the best direction (in order, 1 to 8) that a house should face if the goal is to reduce the amount solar heat (during the afternoon and evenings since most people work during the day)? Coolest 1. N 2. NE 3. E 4. SE 5. S 6. NW 7. SW 8. W Hot...
by bagelhead
Tue Feb 05, 2013 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Solo-401k: Over-deposited, how to reverse?
Replies: 3
Views: 910

Re: Solo-401k: Over-deposited, how to reverse?

Actually, I only deposited a small amount (much < $17,500) and need to reverse it. I am assuming that the Corrective Distribution does not apply in this scenario? Are there any other solutions? Here is a link to the "reversion" tax... which I am unable to interpret. http://www.law.cornell....
by bagelhead
Tue Feb 05, 2013 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Solo-401k: Over-deposited, how to reverse?
Replies: 3
Views: 910

Solo-401k: Over-deposited, how to reverse?

If one deposited too much money into a Solo-401k for 2012, does anyone know how to reverse this? The Fidelity representative said the two options would be to 1) carry the funds over to 2013 and pay a 10% penalty; or 2) talk to your accountant about "reversion", which may or may not have a ...
by bagelhead
Thu Jan 31, 2013 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 1
Views: 280

.

no response.

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