Search found 429 matches

by HoosierJim
Wed Apr 25, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 3040

Re: Rebating buyer's agent for 1st time single-family home purchase

mak1277 wrote:
Mon Apr 23, 2018 12:58 pm
It's the seller who is paying the commission, not the buyer.
Who is paying the seller?
by HoosierJim
Wed Apr 25, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: FIRE and health insurance
Replies: 25
Views: 4139

Re: FIRE and health insurance

Are you saying when youngest graduates you salary could turn into a pension at 50% So: Teaching salary $70,000 Church salary $6,000 Investment income (RMD, farm rent) $20,000 Pass-through income-$12,000 minimum (inherited small business) turns into Teaching salary --------------->$35,000 Church sala...
by HoosierJim
Sat Mar 17, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8615

Re: 30-Day Minimalist Challenge

the hardest things to get rid of are books. My new strategy is to buy books at the Humane Resale shop. $1 per book. Just picked up some books on the Middle East, a biography on Colin Powell and college textbook. The vast supply seems to lower the sentimental value of books like my Catcher in the Ry...
by HoosierJim
Wed Mar 07, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 27
Views: 4552

Re: Regrets / Pearls

During my early work years some smart people suggested I use the stock fund offered at work but I had a aversion to any losses so while the stock fund posted gains of +12,+5,-2,+10,etc, I freaked out about the -2 value. Given my age at the time this was the exact wrong move to stay in the bond fund....
by HoosierJim
Wed Mar 07, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: I want to retire
Replies: 28
Views: 5004

Re: I want to retire

Assuming your heathcare is in the $85k spend (let's say 15k premium and 5k deductible = 20k) , due to your cash holdings, you have the ability to setup your taxable income to qualify for significant heath care AND DEDUCTIBLE subsidy. Didn't see your state/city but here's a Pittsburg PA (one of the c...
by HoosierJim
Wed Feb 21, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1684

Re: Clever phishing -- be careful!

Moving to this where I can. Yubico

Image
by HoosierJim
Tue Feb 20, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2226

Re: House rewiring - cost of copper

If I wasn't in a big hurry, I would thoroughly research smart circuits and home automation, sound, entertainment, video, security, outdoor lighting, data cabling AND wireless options before embarking on a house rewire.
by HoosierJim
Tue Feb 20, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2226

Re: House rewiring - cost of copper

Home depot current pricing - contractor pricing and volume cable lengths will reduce the price.. Depending on the house, and routes you can find, might use 2000' of #14 = $78 * 8 = approx $625 1000' of #12 - $132 *4 = approx $625. Plus dryer, oven, etc if electric. Grounding and feed wire but these ...
by HoosierJim
Mon Feb 19, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43648

Re: What frugal thing did you do today?

Avoiding Costco optical from now on. Have had good service at our Costco but I am also working on my anti-service RADAR that detects untrained incompetent service personnel so I can bail faster or ask for supervision. Problem is, every MINUTE you invest in the encounter, the more you want it over a...
by HoosierJim
Sat Feb 10, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 11881

Re: T-Mobile promotion for 55+

Don't forget - time your switch from one carrier to another at the end of your billing cycle - most don't prorate so you pay your old carrier for a partial/full month for no reason. Happy we are DONE with ATT and love Tmobile, but I would have to say the TMOBILE app for free stuff is one of the wors...
by HoosierJim
Thu Feb 01, 2018 12:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 22
Views: 5370

Re: Chicagoland Master Thread

Could also discuss recent favorite posts - Why would i buy bonds
by HoosierJim
Mon Jan 29, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9425

Re: Neighbor recently burgalerized - Suggestions for home security

let them steal and find out it’s not worth their trouble. In short, keep nothing of significant value at home Talking to my neighbor, she was more upset about strangers in her house and the invasion of her personal safety since she could have been home or taking a nap. The money definitely was NOT ...
by HoosierJim
Mon Jan 29, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9425

Re: Neighbor recently burgalerized - Suggestions for home security

jehovasfitness wrote:
Mon Jan 29, 2018 12:14 pm

Here's a night video clip screenshot. The camera is about 30 feet from the back of the house. This is the Pro 2, where the pro 1 is better at night.
Is there any additional lighting used for your night shot or is this the light the camera provides or "sees"?
by HoosierJim
Mon Jan 29, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9425

Re: Neighbor recently burgalerized - Suggestions for home security

jehovasfitness wrote:
Mon Jan 29, 2018 12:05 pm
camera pictures
What resolution camera do you need to get this quality of picture. How does it look at night?
by HoosierJim
Mon Jan 29, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9425

Re: Neighbor recently burgalerized - Suggestions for home security

Apparently thief(thieves) went straight to the bedroom and found jewelry. Interesting.. Sounds, perhaps, like an "inside job" where the thieves knew about the jewelry. I should be more clear - according to the neighbor the house was disturbed in small ways (didn't "toss" the house). Maybe their goa...
by HoosierJim
Mon Jan 29, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9425

Neighbor recently burglarized- Suggestions for home security

Front door kicked/pushed in - luckily nobody home but was on a Sunday afternoon. Apparently thief(thieves) went straight to the bedroom and found jewelry. The rest of the house seemed untouched. Neighbor is older woman that lives alone is very upset and scared. In priority order, what suggestions do...
by HoosierJim
Mon Jan 29, 2018 9:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 22
Views: 5370

Re: Chicagoland Master Thread

I will be driving in from NW Indiana so PM me if you need a ride.
by HoosierJim
Sat Jan 27, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Automatic Two-Way File Syncing Software
Replies: 10
Views: 869

Re: Automatic Two-Way File Syncing Software

I have Windows 10. I clicked on your link but can't seem to figure it out. To try/test this - do the following open a command window: start-->cmd (enter) or (windows key) cmd (enter) md \temp cd\temp md store1 md store 2 -- you will now have two folders "store1" and "store2" in your temp folder Now...
by HoosierJim
Fri Jan 26, 2018 10:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 22
Views: 5370

Re: Chicagoland Master Thread

Thank you for setting this up. I am planning on attending.
by HoosierJim
Wed Jan 24, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 47
Views: 3479

Re: Using disinfecting wipes to clean surfaces

Caught red-handed eating in a public bathroom. A neighbor recounted a story to me on how he and the other workers in the old days in the morgue used to each lunch next to the corpses. Would take lunch mid-autopsy. He said, "like most things, you get used to it." Lysol left on a surface for ten minu...
by HoosierJim
Tue Jan 23, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9816

Re: Working in the real world

Some people think that getting aggressive about their employment/salary situation is not their "job". I have a number of friends that have kids that work min wage jobs - turn down overtime - are delighted when the boss cuts their hours, have skills and undeveloped potential but have no interest in i...
by HoosierJim
Tue Jan 23, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5579

Re: 4k UHD TVs worth it?

I bought a 50" 4K TV as a computer monitor and it's wonderful. It's like looking at a sheet of plywood no borders or bezels. Really it's like looking at four old monitors
by HoosierJim
Tue Jan 16, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5575

Re: Friend Got Laid Off - Advice Needed

Depending on his actual termination date - health insurance termination terms - and the Cobra 60 day retroactive clause - AND the start of an ACA plan (if that is what is decided). There may be an opportunity to save 2 months of medical insurance with no risk.
by HoosierJim
Tue Jan 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5575

Re: Friend Got Laid Off - Advice Needed

Tell him not to be shocked - they may have done him a favor. Please ask him to report back in 6 months with his journey. All the cloud suppliers want you to use their cloud - so most are providing free training. I needed to connect devices to an IOT Hub - possibly 1000's of messages per minute when ...
by HoosierJim
Sun Jan 14, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 24
Views: 2294

Re: Renting in NYC for a new college grad. Best practices?

Check the hallways and stairwells of any building you are considering and talk to other tenants after you narrow down your choices. People will gladly give you their opinion since other renters have little reason to lie.


Lazy tenants and hallway poop
by HoosierJim
Sun Jan 14, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2556

Re: Do you correct cashier mistakes?

Yes - I just want the bill to be correct - no free items - no overcharging. When you point out a missed item at the grocery store, I've noticed looks from customers behind me in line like I just tore up a lottery ticket.
by HoosierJim
Sun Jan 14, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 12506

Re: Dave Ramsey's Millionaire Study

and it was anonymous, other than the ability to log your IP address if so inclined. So it's not anonymous. Unless you fill it in at the apple store or your library, I can hear Dave screaming "Release the kracken (salespeople)" then telling the kracken to NOT take baby steps. Ironically, you will be...
by HoosierJim
Sun Jan 14, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 12506

Re: Dave Ramsey's Millionaire Study

Longdog wrote:
Sun Jan 14, 2018 7:28 am
and it was anonymous, other than the ability to log your IP address if so inclined.
So it's not anonymous. Unless you fill it in at the apple store or your library,
by HoosierJim
Sun Jan 14, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 24
Views: 2294

Re: Renting in NYC for a new college grad. Best practices?

There are plenty of apartments available - no waiting lists - plenty available so DO NOT PAY A BROKER.
by HoosierJim
Sat Jan 13, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43648

Re: What frugal thing did you do today?

Hand washed pickup truck when temperature hit 50 the other day - nice to get fresh water to rinse the salt in the hard to reach places with the hose. Always wondered what the salt concentrations get to in a commercial car wash? Also may have talked relative into using unlimited 3G tethering on their...
by HoosierJim
Wed Jan 03, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43648

Re: What frugal thing did you do today?

... Amazon to sell one of my kid’s textbooks, something about Marxism . An excellent example of capitalism. :) my example: Humidifier solenoid - Ordered it Saturday - Amazon shipped and it arrived today (Wednesday)- free shipping - my humidifier solenoid. Installed it and all is well - saved a serv...
by HoosierJim
Tue Jan 02, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 29
Views: 2476

Re: Aprilaire Humidifier

Now just waiting for some humidity. :P You could also switch the fan from AUTO to ON on your thermostat to increase the total time that air is flowing over the wet membrane. It may cool down the house by increasing the heat transfer due to convection. You should also look for slight condensation ar...
by HoosierJim
Tue Jan 02, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 29
Views: 2476

Re: Aprilaire Humidifier

it has done absolutely nothing over the last 4 days to actually raise the humidity in my home. Sorry for the obvious comment, but for those that have a WINTER /SUMMER setting on their humidifier. Make sure it's in the WINTER position so air flows through the wet membrane. The picture below shows it...
by HoosierJim
Sun Dec 31, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43648

Re: What frugal thing did you do today?

Noticed from my non-scientific methods that I was using about large variations of shampoo when applied in the shower. The observed standard deviation exceeded the mean. Decided to apply a dollop before getting into the shower and have reduced usage and waste by 50%. The $1.25 Suave shampoo DURATION ...
by HoosierJim
Sun Dec 31, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 29
Views: 2476

Re: Aprilaire Humidifier

Just self diagnosed a solenoid problem on my AprilAire humidifier yesterday Solenoid not activating when humidistat calls. 24 volt good so ordered solenoid for approximately $35 on Amazon. It's in a tight spot so used my phone with flash to take a good picture with part number, voltage and orifice s...
by HoosierJim
Sat Dec 30, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2293

Re: Appliance Install Issues

Assuming you have two hots, a neutral and a ground - you should be able to install a single 110 volt receptacle - using one of the hots, the neutral and the ground. The other hot should be abandoned in-place and taped/wire-nutted & tagged at both the receptacle box and the breaker box. The breaker s...
by HoosierJim
Sat Dec 30, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3932

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

Doesn't hurt to ask the seller - may be gnawing on their conscience or maybe they are sleeping like a baby every night. Not worth the legal hassle unless there are other missed disclosures. Not so scare you but the fact that the tank is EMPTY may mean you have a leak somewhere too. Have the lines ch...
by HoosierJim
Tue Dec 26, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Should I preserve parents’ risky portfolio? Or “disobey” them?
Replies: 74
Views: 5510

Re: Should I preserve parents’ risky portfolio? Or “disobey” them?

They have plenty of money for their needs regardless of their "risky" position. You can Firecalc their $3M at $200K/year for 15 years and have small chance of failure. Since they 'can't make decisions on their own' - have they expressed any wishes at all regarding risk their asset allocation? If not...
by HoosierJim
Thu Dec 07, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9806

Re: Growing Number of Electric Vehicles

It's going to be very interesting to see what happens over time when we have significantly more than 4-5 EV owners, assuming EV adoption accelerates as predicted. Once 90% of vehicles are electric, this might change the infrastructure planning. For example, limited access expressways might have pow...
by HoosierJim
Thu Dec 07, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 6022

Re: I received a speeding ticket via mail from IA - should I pay it?

.. you get a ticket in the mail with no picture or the picture is of another car, not yours, then I would write a letter contesting it. Now, if the pictures sent to you are that of your car, your license plate. ... court could never prove you received the ticket in the mail, unless it was delivered...
by HoosierJim
Mon Dec 04, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 2352

Re: Help me understand the ACA Cliff

You should say also there is a reverse "cliff" if you adjust your 401K, SEP, Individual 401k, IRA, tax loss harvest , etc and a second order effect if you choose a plan that is HSA compatible and you use it.

Look at previous Boglehead post: Ways to reduce magi
by HoosierJim
Sun Dec 03, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 12949

Re: After financial independence, do you lose motivation for work?

InMyDreams wrote:
Tue Nov 28, 2017 11:47 am
I had a boss, who talked about his boss's saying: Good employees are 2.5 times their annual salary in debt. ;)
and have 5 kids.

Before FI, I didn't allow myself to think about my motivation.
by HoosierJim
Sat Dec 02, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 16437

Re: FIRE [financial independence/retire early]

pennywise wrote:
Sat Dec 02, 2017 8:47 am
[.... out of pocket maximum of $10,000 is close to half their yearly income.
You could also pony up $48/month and get the silver plan with deductible assistance and limit the out of pocket to $2000

Image
by HoosierJim
Fri Dec 01, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 12924

Re: Price of haircut?

Free! I cut my own hair. :D +1 +1 +1+1+1 This becomes easy once you have a lot less hair to cut. About 4 minutes per week. Much better than getting in car, parking, WAITING, and the return time. OR - make an appointment and now they own your schedule. Note: the cost of the haircut is not the issue ...
by HoosierJim
Fri Dec 01, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 16437

Re: FIRE [financial independence/retire early]

... I hear them talk about having annual expenses of $25k, for example. There is no way that I can see based on what they write/talk about that they include health care in the annual spending. Here's a health plan in Pittsburgh - Married couple both 55 with income of approx $23k - Monthly premium i...
by HoosierJim
Sat Nov 25, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 7998

Re: Tipping in living wage state. Redux.

Although not the norm, acquaintance in New York City makes about $25 K on W2 in a busy famous restaurant and some other cash side income. With a total take home of approx $100k. Unmarried partner does similar work & pay. Her apartment that should cost more than $3,000/month is approx $800/month and ...
by HoosierJim
Sat Nov 04, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using the Health Coverage Tax Credit (HCTC) - via PGBC pension?
Replies: 0
Views: 209

Anybody using the Health Coverage Tax Credit (HCTC) - via PGBC pension?

Wondering if any Bogleheads have experience with the PGBC pensions and the Health Coverage Tax Credit (HCTC). At what age were you able to take your PGBC pension? Any snags or pitfalls? Are you still working? The Health Coverage Tax Credit is a tax credit that pays 72.5 percent of qualified health i...
by HoosierJim
Sun Oct 29, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 2216

Re: PA Speeding Ticket?

You can get a remote lawyer (just find one close to the court house) and avoid the appearance. Everybody is in such a hurry and needs to be more aware of their speed. You were moving as traffic was moving. You weren't doing anything dangerous. This must be what the mob of cars tailgating each other ...
by HoosierJim
Tue Oct 24, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 10087

Re: Building very high net worth

Ron Scott wrote:
Mon Oct 23, 2017 3:46 pm
Since we are well past the mega-rich doctor days....
The salaries below are AVERAGES . Also assuming 90% of those spend every dollar they make, with the 10% LBYM doctors (oxymoron?) there are still a lot of multimillionaires after a 25 year working career.

Image

Highest paid doctors