Search found 347 matches

by HoosierJim
Sun Jul 23, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 4
Views: 443

Re: Treadmill Desk

Use a swimming pool noodle and tiewraps - drill two holes per tiewrap and connect the tiewrap under the board. - You can snug it down to get no movement and it can adapt to irregular shapes on the treadmill handles.
by HoosierJim
Fri Jul 21, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1458

Re: Scripters/Coders - Wanting to Learn

From your OP and followups, sounds like Powershell would be best. You need an easy way to expose the asset type objects (hardware config, apps, inventory) and the ability to save/update the results for easy analysis and summary(excel,sql, powerbi ). As mentioned above there are a lot of existing scr...
by HoosierJim
Sat Jul 15, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6285

Re: anyone retire and move to a planned community in FL?

Florida is genuinely dangerous for bicyclists. Not just bicyclists... Evaluating your walking patterns in an area you are planning to move is a great suggestion. Protected walking paths is a best. Now that I am beginning to observe seniors texting,facebooking,tindering,etc while driving - it can on...
by HoosierJim
Sat Jul 15, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3262

Re: If i turn off central AC will it damage drywalls?

One strategy is to get a programmable thermostat and have the temperature brought down to 82 degrees for a few hours starting at about 5 am - 6 am (coolest part of the day). The rest of the day - set the thermostat to 99 degrees so the air doesn't come on. This has two effects Removes the moisture f...
by HoosierJim
Fri Jun 16, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5838

Re: Have you canceled cable?

Haven't had cable for about 5 years now. Using PC connected to TV with Windows Media Center and Digital Home Run , remote control and antenna to "tape" shows of interest (we still call it that) (about $450 one-time total) . No interest in sports TV. Have Netflix and high speed internet. Ju...
by HoosierJim
Mon May 08, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 3088

Re: 2018 HSA Contribution Limit Announced

Does anybody know the logic of setting the limit at $13,600? I thought it was to encourage more patient cost responsibility.

About 1/2 of the plans on Indiana's for our age settings on the exchange look like this:

Image
by HoosierJim
Thu Apr 06, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 635

Re: QR Code/Bar Code Readers?

I wonder if there'd be any use for a QR code generator/writer Google and others have http enabled charting/image generation software - pass some data in the URL and google generates a chart or image. Here's how to get a QR code https://chart.googleapis.com/chart?cht=qr&chs=200x200&chl=www.b...
by HoosierJim
Wed Apr 05, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7202

Re: Secretly entered two comma club

It's actually not a secret anymore. :beer
by HoosierJim
Wed Apr 05, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: ORD Parking lot challenge - need quick response
Replies: 18
Views: 1314

Re: ORD Parking lot challenge - need quick response

There are a number of regional bus lines that server ORD and Midway . Parking is free in their lot. Others serve Peoria, Madison, etc

Tri-state bus NW Indiana to ORD

Rockford to ORD
by HoosierJim
Mon Apr 03, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 7038

Re: Got my second comma -- what is this anticlimactic feeling?

Here is the real reason. How Desire Fools Us: The Benefits and Dangers of The Chase Uber uses something similar in "gaming" their drivers to push on to get more fares. Just as driver might set a goal of earning $200 / day - To keep drivers on the road, the company has exploited some people...
by HoosierJim
Mon Mar 20, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 330486

Re: What's Your Credit Card Rewards Strategy?

Just noticed that Bank of America card entitles free admission to many museums on the first full weekend of the month Bank of America - Museums on Us 2017 participant roster Free general admission is limited to the cardholder at participating institution. Museum hours and participation varies. Exclu...
by HoosierJim
Sun Mar 19, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Buying house - what should I expect from real estate agent
Replies: 10
Views: 804

Re: Buying house - what should I expect from real estate agent

gave us access to the local MLS so that we can see all houses (except for sale by owner) for sale in area. If you are sophisticated enough to use the Boglehead forum, you might be able to find this yourself on the internet (including fsbos) on Realtor.com / Zillow.com. You should expect that a real...
by HoosierJim
Sat Mar 18, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 3808

Re: Best place to get eyeglasses / no vision insurance

Eye exam at Costco $60

2 Pairs at Zenni Optical - $9 each plus $5 shipping = $23.

My glasses are simple but why involve an insurance company if you need glasses? It's like insurance for oil changes on your car.
by HoosierJim
Sun Mar 05, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 3081

Re: Think I'm ready, but not overly confident

You had me at
ready53 wrote:I am 63....
• $3.07M in Tax Deferred accounts (401K and traditional IRAs)
by HoosierJim
Mon Feb 06, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 7133

Re: Cord cut strategy for young family

Get a windows 8.1 PC (many refurb available from major companies) and turn on Windows Media Center. Combine this with an OTA antenna and a Digital Home Run https://www.silicondust.com/product/hdhomerun-connect/ . We looked at what we watched - combined with an inexpensive internet connnection & ...
by HoosierJim
Fri Jan 27, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1591

Re: retirement thanks

Now that you are a civilian, what do you recommend for consumers' best practices for internet security regarding connecting to financial systems?

Congratulations on retirement.
by HoosierJim
Thu Dec 29, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 5133

Re: All your eggs in one basket vs. concern about being hacked?

When possible - use a YUBIKEY as in a previous post by pragmatist and use it from your chomebook over a wired connection.
by HoosierJim
Wed Dec 28, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 2022

Re: Decent quality reading glasses

Used to get them from the the dollar store. Good value for $1 but then sprung for the $7 zunni optical based on my Costco prescription. The $7 glasses have larger lenses and fit so so much better.
by HoosierJim
Wed Dec 28, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Mifi / Hotspot Alternatives?
Replies: 16
Views: 2327

Re: Mifi / Hotspot Alternatives?

If bandwidth or data is precious, you should turn off images/auto loading video. Also - have an adblocker. To give you an example, the bogleheads.org site loads about 40 K of data. Note that even with that low value about 50% of the data is image related (feed image, canadian flag and the boglehead ...
by HoosierJim
Thu Dec 08, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1898

Re: Smartphone for a low techie

You can get a refurbished ATT / TMobile Galaxy S5 - $139 "unlocked" phone at woot today while supplies last.

woot phone

Image
by HoosierJim
Tue Nov 15, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 7077

Re: Early retire considering Self-Insurance for healthcare

You could also avoid car insurance (in our state you couldn't renew your plates. ) But if you crashed into busload of medical interns over a cliff and killed everyone. Their future earnings might represent millons each, so it's tough to estimate risk. You should also consider that ACA plans can't ch...
by HoosierJim
Sun Sep 25, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Frugal Way to Create a Will
Replies: 32
Views: 4592

Re: Best Frugal Way to Create a Will

Forgot to mention - in Indiana - there is also a personal property TOD (transfer on death). Friend related a story where a mentally foggy dying grandfather promised over the period of one year, that each grand child would receive his prize antique car. Lots of hard feelings after the funeral that wo...
by HoosierJim
Sun Sep 25, 2016 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Best Frugal Way to Create a Will
Replies: 32
Views: 4592

Re: Best Frugal Way to Create a Will

Living Trusts are awesome for passing property - primarily real estate - without suffering through probate. Everything else can be set up for free as either beneficiary (insurance, IRA, 401k) or Transfer on Death/ Pay on Death (cars, savings accounts, checking...Vanguard accounts!) . Recently found...
by HoosierJim
Wed Aug 31, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 9091

Re: Resigning from a job: best practices and advice?

KlangFool wrote:OP,

... BCC a copy to yourself too.


+1
The bcc should be to your current company email address and an outside email (ie. gmail,hotmail,etc)
by HoosierJim
Sat Aug 13, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement budgets
Replies: 20
Views: 2334

Re: Retirement budgets

What is the source of the $88 k per year? If this is from taxable, you may want think about a strategy of Roth conversions to get your Magi into to subsidy/reduced deductible. If some of it's from pre-tax, they you should account for penalties and income tax as well as consider the health care strat...
by HoosierJim
Sun May 22, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 2237

Re: Local TV channels - via streaming?

Antenna $39 Windows 7 PC with Window Media Center $299 Home Run Digital converter ($59) . WARNING - IF YOU NEED ESPN STOP READING THIS. If you buy from Amazon - please use the amazon link on the left panel to help the Bogleheads site Zero monthly bills - record any of the 80 or more channels (inclu...
by HoosierJim
Sun May 22, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Exclusivity and Real Estate Agents. Agree or Disagree?
Replies: 58
Views: 4518

Re: Exclusivity and Real Estate Agents. Agree or Disagree?

A buyer's agent doesn't usually cost you anything if you buy a home represented by a seller's agent; they split the commission. The agents obviously do work in the transaction but just who do you think is paying the seller so they (the seller) can pay agents the commission? Claiming the seller pays...
by HoosierJim
Sun May 15, 2016 6:55 am
Forum: Investing - Theory, News & General
Topic: Living with the 4% Rule
Replies: 19
Views: 2906

Re: Living with the 4% Rule

I look at the RMD as a public policy to collect deferred taxes loosely developed with a life expectancy tilt. An analogy is the dealer's rules at blackjack. Just because the dealer has to hit on 16 doesn't mean a player would do this. Sometimes it's the right choice but not always.
by HoosierJim
Tue Apr 19, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 61
Views: 8838

Re: Why am I still scared ? Is it actually normal ?

Saw a wonderful movie - Bridge of Spies Here's an excerpt that shows how you should think about worrying. You have to ask yourself if worrying would help. It's irrational but it helps to think about it this way. James Donovan: I have a mandate to serve you. Nobody else does. Quite frankly, everybody...
by HoosierJim
Tue Mar 29, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Getting ship shape in self employment
Replies: 7
Views: 803

Re: Getting ship shape in self employment

You may want to put everything into a solo 401k vs IRA since you may want to do back door roth conversions in the future. Depending on your income, you can shield more at lower incomes with the solo 401k vs something like a SEP IRA. http://www.obliviousinvestor.com/sep-vs-simple-vs-solo-401k/
by HoosierJim
Thu Feb 04, 2016 3:24 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on expense drop when kids go off to college
Replies: 27
Views: 3141

Re: Reporter doing story on expense drop when kids go off to college

That title is insulting to people that picked up extra shifts/worked weekends/holidays to save for college starting years before the drop-off day.
by HoosierJim
Mon Jan 11, 2016 6:31 am
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 5631

Re: $1.3 Billion Jackpot - How would you invest it?

If I won, I would immediately create the following new Boglehead threads.... - WON over A BILLION, DO I HAVE ENOUGH TO RETIRE? - WON over A BILLION, PLEASE HELP ME DECIDE WHEN TO TAKE SOCIAL SECURITY? - WON over A BILLION, 3 FUNDS OR TARGET PORTFOLIO? - WON over A BILLION, HELP ME LOWER MY TAXES? - ...
by HoosierJim
Sat Dec 19, 2015 5:20 am
Forum: Personal Consumer Issues
Topic: Medical Alert / Personal Emergency Response Systems
Replies: 3
Views: 585

Re: Medical Alert / Personal Emergency Response Systems

Would it be possible for this person to use a cell phone? Using wifi calling or a M-Cell you can setup 100% coverage in a home. Pick a phone that has easy speed dial (911, caregiver1, caregiver 2, etc). Get a phone with removable batteries so caregivers can insure the phone is charged and always wit...
by HoosierJim
Thu Dec 17, 2015 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Exchange not showing me the HSA plan
Replies: 3
Views: 489

Re: ACA Exchange not showing me the HSA plan

We found that the HSA limit as limited by the IRS is different than the ACA limit (which is bigger) thus disqualifying a lot of plans to be HSA. Only our government agencies could do something like this. Let's say a plan is offered at max limit of the ACA ($13,200) - but the IRS HSA limit is $13,100...
by HoosierJim
Sat Nov 28, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord - Netflix or Hulu?
Replies: 50
Views: 4721

Re: Cutting the cord - Netflix or Hulu?

$35/month internet (70 mb down / 8 up - need for work) - Netflix ($10/month) and OTA w/Windows Media Center ($250) - Antenna ($80) - Digital Home Run($80) - One time cost equal to a month or two of cable for some people I know. Chromecast too ($30) Find ourselves watching less but higher quality stu...
by HoosierJim
Fri Oct 30, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: How to backup DVD collection
Replies: 29
Views: 2304

Re: How to backup DVD collection

FamilyMan wrote:.... how does everyone save family movies that were on a form of DVD and also the old school VHS version?


Use the Bogleheads referral link for amazon to get a

Easy VHS to DVD 3 Plus


From your DVD/VCR or even your camera - you can transfer movies and save them where ever you want.
by HoosierJim
Fri Oct 23, 2015 6:49 am
Forum: Personal Consumer Issues
Topic: TaskRabbit
Replies: 15
Views: 3003

Re: TaskRabbit

rupalb9 wrote:... to move a bedroom set from a local location to my house about a mile away.


Just wondering - what if your Task Rabbit gets hurt on your property?
by HoosierJim
Fri Oct 23, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Fell for DirecTV and Their Con - Woke Up in Time
Replies: 46
Views: 7590

Re: Fell for DirecTV and Their Con - Woke Up in Time

If you can live without ESPN and cable channels (few can) - Add a Microsoft Windows Media Center PC and Silicon Dust HDHomeRun and a wireless mouse. This setup also gets you to CBS/NBC/ABC etc to watch a show you forgot to record. Now you have DVR with about a 6 (or less) month payback over cable. W...
by HoosierJim
Wed Oct 14, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 10902

Re: Fair share of expenses for spouses?

We have "her" money and "our" money. "My" money didn't exist after I put a ring on it. :P Seriously, if you as a couple decide to have one spouse go part time or stop working to watch the kid (or more kids) or take care of a sick parent - how fair would it be to look at...
by HoosierJim
Sat Oct 10, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Who Gets a New iPhone Every Year? Why?
Replies: 62
Views: 7326

Re: Who Gets a New iPhone Every Year? Why?

People should be aware that you can get a new non-IPhone phone every year on Black Friday for less than the sales tax on an IPhone.
by HoosierJim
Wed Sep 30, 2015 5:09 am
Forum: Investing - Help with Personal Investments
Topic: Tax strategy for beginner
Replies: 5
Views: 670

Re: Tax strategy for beginner

You didn't mention your employee structure (full/part time/family) - you may want to look at a defined benefit plan.
by HoosierJim
Sun Sep 20, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 14985

Re: What are your best time-savers?

You may want to check out this site --> bogleheads.org - since it will save me years of working for "the man". Lower expense ratios takes off a few years, diversified simple portfolios and no market timing all saves years of work.
by HoosierJim
Fri Sep 18, 2015 7:54 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Are Mutual Fund Fees Destroying My Retirement
Replies: 53
Views: 6965

Re: Dave Ramsey - Are Mutual Fund Fees Destroying My Retirement

"It is difficult for a man to understand something when his income depends on not understanding it." The Dunning–Kruger effect is a cognitive bias wherein relatively unskilled individuals suffer from illusory superiority, mistakenly assessing their ability to be much higher than is accura...
by HoosierJim
Sat Sep 12, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Spreadsheet to show how taxable SS benefits will affect you
Replies: 110
Views: 17615

Re: Spreadsheet to show how the taxable SS benefits will affect you

Great work - I used to think roth conversions taxed at 25% were insane but this makes me rethink it.
by HoosierJim
Sat Sep 12, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: New iPhone
Replies: 117
Views: 16349

Re: Getting one

One reason only: Apple Pay For some people, this alone could pay for the phone From September 16, to the end of the year, cardmembers who pay with their Discover card using Apple Pay will automatically earn an extra 10% Cashback Bonus on up to $10,000 of in-store purchases. Discover it Miles, Miles...
by HoosierJim
Sat Sep 12, 2015 8:37 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 14985

Re: What are your best time-savers?

sambb wrote:There is an app for so many different things, and it allows me to think about the world in different ways.
Can you list a few of your best time saving apps?
by HoosierJim
Fri Sep 04, 2015 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 38
Views: 4935

Re: Can I sue my former employer?

Many times, employers in this situation, whether acting legally or not would want you to sign a waiver in exchange for some type of severance . Was there anything written down or signed? Filing a FMLA-based wrongful termination charge If you believe you were wrongfully terminated, you may file a dis...
by HoosierJim
Fri Sep 04, 2015 7:59 pm
Forum: Investing - Theory, News & General
Topic: Reframing-the-social-security-decision"
Replies: 63
Views: 5623

Re: Reframing-the-social-security-decision"

Another consideration is for people that don't anticipate living much past the S.S break even point and plan to leave a legacy is to keep as much pre-tax (or Roth) money so it can go to their non-spouse beneficiary (say their 1 month old granddaughter) - which then can be stretched over many many ye...

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