Search found 1216 matches

by Tamales
Sun Apr 15, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 297

Re: Anti-siphon valve making noise (irrigation system)

Good ideas. Thanks. I don't have much control over the flow rate, other than adding emitters. I clipped off one of the emitters on one of the buzzing zones (as a quick way to increase flow rate), and that did indeed make the buzzing stop. But that's not a practical solution since the clipped-off emi...
by Tamales
Sun Apr 15, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 297

Anti-siphon valve making noise (irrigation system)

The anti-siphon valve (or backflow preventer, or vacuum breaker, or whatever the correct term is) is on a water line that is branched off my main water line (i.e. after a T-joint), and the valve's output feeds the irrigation system. It's making a noise (sort of a buzzing sound) when certain zones of...
by Tamales
Sun Apr 08, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Where to hold ~500K cash
Replies: 25
Views: 3203

Re: Where to hold ~500K cash

This thread from a while back may help. It gives a number of account scenarios and what the FDIC coverage would be: viewtopic.php?f=2&t=176529&p=2669609&hi ... C#p2669609
by Tamales
Tue Mar 20, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2557

Need to pull some data off some old 5-1/4" floppy disks

I was hoping to just buy a $20 external USB-connected 5-1/4" floppy drive but no dice. They sell USB 3.5 floppy drives but not 5-1/4. I have a couple/few old 5-1/4" internal drives in a box of old computer parts somewhere. What would be the cheapest way to get one of those functional with a modern w...
by Tamales
Tue Mar 20, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 3589

Re: Home equity as part of retirement plan

Planning to move out of state upon early retirement, and buy a similar square footage house. Qualifying for a new mortgage while holding a paid-off home in another state and no longer having W2 income is a challenge. Trying to predict the future cost differential between homes in 2 different markets...
by Tamales
Sun Mar 11, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Handling municipal bond interest on state returns in tax software
Replies: 2
Views: 190

Handling municipal bond interest on state returns in tax software

I'm using TaxAct, and I hold 4 different municipal bond mutual funds, each of which has a portion of the 1099B interest attributable to my state. The state instructions indicate you "may" also want to include documentation "such as bank statements, brokerage statements, etc." to justify the portion ...
by Tamales
Sat Mar 10, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 49
Views: 8600

Re: Credit score dropped 30 points because I paid off my auto loan?

Ideally you want 3+ cards all with low utilization. Where did you see that claim of 3+ cards? I've never seen a scoring description where number of cards entered into it, so I'm not sure it's a factor at all, let alone a score booster to have 3+ cards. I've never had more than 2 cards ever in my li...
by Tamales
Sat Mar 10, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Schwab insists on hard inquiry on Equifax credit report !
Replies: 30
Views: 2726

Re: Schwab insists on hard inquiry on Equifax credit report !

- it is unlikely you can make them change the process as these are regulatory requirements Not exactly. There have been other threads on this. There are only minimum requirements specified in the regulations: (see 31 CFR 1020.220 for banks (but the minimum requirements are the same for a broker dea...
by Tamales
Sat Mar 10, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Windows 10: help with interpreting a recurring startup program
Replies: 3
Views: 351

Windows 10: help with interpreting a recurring startup program

I have some software that watches for new or changed startup programs when I cold start my computer, and displays a message when it finds something, and allows you to accept or reject it. I get messages periodically for my security software and various other things, but lately I've been getting a re...
by Tamales
Sun Mar 04, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 933

Re: Annotating locked pdfs

To add another test subject, Vanguard's downloaded pdfs of Form 1099 are locked, except for printing.

But in this case, 'print to microsoft pdf" didn't work (using Foxit pdf reader). It didn't give any error, it just didn't store the converted doc where I directed it to.
by Tamales
Sun Mar 04, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 933

Re: Annotating locked pdfs

re: print to pdf (livesoft), Hmm, well it looked promising at first, but I wasn't able to highlight text in the result, even though all properties are allowed in the saved version. Here's a random draft bill from congress as an example: https://www.congress.gov/115/bills/s19/BILLS-115s19es.pdf In th...
by Tamales
Sun Mar 04, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 933

Annotating locked pdfs

Sometimes you run across pdfs where all the document properties>security fields are set to "not allowed." Certain draft bills from Congress is one example. While I can sometimes see the need to make the "changing the document" field as not allowed, I can't see why most documents would need propertie...
by Tamales
Thu Mar 01, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Updated IRS Withholding Calculator Released
Replies: 32
Views: 3082

Re: 2018 Updated IRS Withholding Calculator Released

From the new W4: " Use this worksheet only if you plan to itemize deductions, claim certain adjustments to income, or have a large amount of nonwage income." What constitutes a "large amount of nonwage income?" I suppose any amount (e.g. of interest from a CD) that will result in an income tax oblig...
by Tamales
Thu Mar 01, 2018 12:03 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 4256

Re: "FREE" Employer Group Life - Really Costs You !

For info and the table, see IRS Publication 15b: https://www.irs.gov/pub/irs-pdf/p15b.pdf on page 13 General IRS info on group term life: https://www.irs.gov/government-entities/federal-state-local-governments/group-term-life-insurance You'll also need to refer to your employee benefit handbook to f...
by Tamales
Wed Feb 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 6037

Re: Potential employer wants me to give offer - how to respond?

I wanted to give an update. I gave my numbers, 30% more in total compensation. They agreed , and looks like I will be joining Megacorp, albeit I am now waiting on formal written offer. I imagine you are having second thoughts about what you proposed, since they agreed with no modifications or pushb...
by Tamales
Tue Feb 20, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Scratch-removal products for cars
Replies: 3
Views: 549

Re: Scratch-removal products for cars

I'm guessing you're talking about scratch hiding not scratch removal. Assuming a 2-stage, basecoat/clearcoat paint (which most but not all modern vehicles use (e.g. there are still single-stage paints used, and sometimes tinted "clearcoat")... To *remove* scratches (and assuming they are only in the...
by Tamales
Mon Feb 19, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Anyone move/relocate with a large woodshop and wood inventory?
Replies: 8
Views: 998

Re: Anyone move/relocate with a large woodshop and wood inventory?

Thanks for the replies. re: "Do you remember how the stuff arrived? Presumably strapped to a pallet?" Many of the tools I bought used, locally, so no packaging. Just a short ride in the bed of a truck. A couple I bought new from local retail stores but I never saw the factory packaging since they un...
by Tamales
Sun Feb 18, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Anyone move/relocate with a large woodshop and wood inventory?
Replies: 8
Views: 998

Anyone move/relocate with a large woodshop and wood inventory?

If you have a large collection of stationary floor-standing power tools that each weigh many hundreds of pounds, are there specialty movers that know how to properly configure the tools to minimize damage during the move, and crate these up and move them? I don't expect that standard furniture mover...
by Tamales
Sat Feb 17, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Windows 10 > task manager > App history > photos--what is it?
Replies: 3
Views: 342

Windows 10 > task manager > App history > photos--what is it?

Anyone know what this "photos" application is? It has consumed massive CPU time in the past month (far more than any other application in the App History tab of task manager). I've also noticed, when I look at the task manager > processes tab, that "photos" has (for no apparent reason, i.e. no appli...
by Tamales
Fri Feb 16, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1677

Re: Increasing SS PIA by working again

edit #2: I can't even find in the current law describing the calculation ( https://www.law.cornell.edu/uscode/text/42/415 ) where the highest 35 years comes into play. Search for 35 (as number or text) and it's nowhere to be found. That's because for most people/cases it's the result of subtracting...
by Tamales
Fri Feb 16, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1677

Re: Increasing SS PIA by working again

I can't say I've traced the calculation history back to 1935, but it has always been based on a 'working lifetime' of earnings. It's hard to imagine there being a time when 10 years was considered a typical working lifetime. edit: it looks like it started out where the benefit amount was based on th...
by Tamales
Thu Feb 15, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1677

Re: Increasing SS PIA by working again

As far as I can tell, the incremental increase in monthly SS benefit (PIA) one would get is $3.57 for every $10,000 of new earnings per year. Can someone please agree or disagree with this calculation? Just to clarify, you're not adding $10k to AIME, right? You're adding 10k to the sum of the top 3...
by Tamales
Tue Feb 13, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: CD rates on the rise. Should I break my CD...
Replies: 6
Views: 1726

Re: CD rates on the rise. Should I break my CD...

I think the calculator makes the assumption that the offered CD you are comparing remains available at the same rate through the end of your existing term. No one knows if that's correct, obviously. If the calculator could accurately account for future rates, I wouldn't have told anyone about it :w...
by Tamales
Tue Feb 13, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: CD rates on the rise. Should I break my CD...
Replies: 6
Views: 1726

CD rates on the rise. Should I break my CD...

2.5%+ for 60 month term at several places now. Here's a calculator to help you decide whether to break (close) your CD, incur the EWP (early withdrawal penalty), and open a new one at the higher rate: https://www.depositaccounts.com/tools/break-cd-calculator.aspx Assuming this calculator is right......
by Tamales
Mon Feb 12, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: How will underpayment (Fed tax) be determined for 2018 taxes?
Replies: 2
Views: 371

How will underpayment (Fed tax) be determined for 2018 taxes?

I think it's Form 2210 where potential underpayment is figured. In past years (going from memory so please correct if wrong) there was a safe harbor where as long as you had a year-end-2018 total W2 amount withheld (for federal taxes) that was at least equal to your actual tax obligation from 2017 (...
by Tamales
Sun Feb 11, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1859

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

So then it's a *really fancy* stud sensor with a bluetooth interface. I don't know about you, but I've tried several different ultrasonic stud sensors over the years, and none of them are very dependable. So they just collect dust and I usually go with the tried-and-true manual approach of using ma...
by Tamales
Sun Feb 11, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1859

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

A quick pass through the website did not reveal any explanation of mechanism. Unless there is one that passes the giggle test, avoid. It's using UWB (Ultra WideBand) which is pretty well-establish for things like ground-penetrating radar imaging applications. And there are existing FCC Part 15 rule...
by Tamales
Sat Feb 10, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 19
Views: 2412

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

Thanks neurosphere and siamond. In excel 2016 (which I don't have, unfortunately) there's a new chart type called a sunburst chart, which might have some applicability for these sorts of things. short video: https://www.youtube.com/watch?v=7GCkNwsokRQ edit: apparently Excel 2016 added several new ty...
by Tamales
Sat Feb 10, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 19
Views: 2412

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

Also, more basic question: how did you proceed to create such a multi-layer ring chart? Could you share an example? I'd like to learn how to create those multi-ring charts as well. Is 4 the limit on the layers? Not sure but I think this might also be useful to visualize the aggregation of multiple ...
by Tamales
Fri Feb 09, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 14513

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

Keep in mind that the maximum drawdown of U.S. stocks in an average year has been 14%; a correction is a mere 10% drop. Further, a correction occurring does not mean that stocks will not end the year up overall; history shows that that is the usual outcome. Will, the stat about the maximum drawdown...
by Tamales
Thu Feb 08, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 14
Views: 1111

Re: Excel worksheet for calculating SS bend points

When you set up your spreadsheet, think of it as 3 separate components that you sum up (1st, 2nd bend points, and beyond the 2nd BP) Using 2017 bend points and assuming full retirement age, here's the (annualized) contribution due to the 1st BP (AIME x 12 on horizontal axis, PIA x 12 on {snip} Am I...
by Tamales
Thu Feb 08, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 14
Views: 1111

Re: Excel worksheet for calculating SS bend points

When you set up your spreadsheet, think of it as 3 separate components that you sum up (1st, 2nd bend points, and beyond the 2nd BP) Using 2017 bend points and assuming full retirement age, here's the (annualized) contribution due to the 1st BP (AIME x 12 on horizontal axis, PIA x 12 on vertical) h...
by Tamales
Mon Feb 05, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3682

Re: Calling it right now.

Oh joy, BH is becoming a hot stock chat forum.
by Tamales
Thu Feb 01, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 24058

Re: 401k millionaires

The only potential downside to transferring a 401k to an IRA is that in some states it doesn't have protection from creditors. It also eliminates the option to contribute to a backdoor Roth IRA. I think it just adds a couple steps when doing your taxes (on form 8606 I think it is) rather than elimi...
by Tamales
Wed Jan 31, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 24058

Re: 401k millionaires

The only potential downside to transferring a 401k to an IRA is that in some states it doesn't have protection from creditors. It also eliminates the option to contribute to a backdoor Roth IRA. I think it just adds a couple steps when doing your taxes (on form 8606 I think it is) rather than elimi...
by Tamales
Tue Jan 30, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Denver Metro Real Estate market
Replies: 17
Views: 1409

Re: Denver Metro Real Estate market

To the OP, if you don't mind answering, what is the square footage and estimated value of your Scottsdale home? I'm trying to get perspective on how you arrived at 700k. Trulia has some "heat maps" where you can select different metrics, such as sales price per square foot: https://www.trulia.com/re...
by Tamales
Tue Jan 30, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3689

Re: Should I join Linkedin?

I (reluctantly) joined for a different reason. Not really a fan of social media, but a while back my megacorp had a layoff that included some truly puzzling layoffs of colleagues who I thought were doing well. The only common thread I could think of was they were all over 50. Of course, the layoff i...
by Tamales
Sun Jan 28, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 24058

Re: 401k millionaires

Article: If You Always Maxed Out Your 401(k) How Much Money Would You Have?

(curiously enough, it's dated tomorrow so I guess it just posted. maybe the author was inspired by this thread)

https://dqydj.com/always-maxed-out-your-401k/
by Tamales
Wed Jan 17, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 14513

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

I read a post by another Boglehead in another thread where he or she mentioned that it's not just knowing whether the market is overvalued, but you also have to know whether the market participants collectively think the market is overvalued. I thought that was a really good explanation of why it's...
by Tamales
Wed Jan 17, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 14513

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

There hasn't been a drop of >9% in the SP500 from the most recent high since 2/11/16 (which ended a 13.3% drop from 11/3/15, and that in turn ended a 12.97% rise from 8/25/15). There have been a couple drops since 2/11/16 (such as the ones that ended 6/27/16, 11/4/16, 4/3/17) but none that was more ...
by Tamales
Sun Jan 14, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank EWP change history (for CDs)
Replies: 1
Views: 347

Synchrony Bank EWP change history (for CDs)

Does anyone have the Early Withdrawal Penalty change history (including dates of changes) for CD's (60 month in particular) at Synchrony bank. I know some of my older CDs with them have less strict penalties, but it doesn't seem you can look up what penalty language was in effect when the various CD...
by Tamales
Sun Jan 07, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Excel question: opening 2 copies of same spreadsheet?
Replies: 4
Views: 589

Re: Excel question: opening 2 copies of same spreadsheet?

Thank you Silk, it looks like that worked.
by Tamales
Sun Jan 07, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Excel question: opening 2 copies of same spreadsheet?
Replies: 4
Views: 589

Excel question: opening 2 copies of same spreadsheet?

Something strange going on, and I'm hoping someone will have some advice. Using windows explorer, I have a particular spreadsheet I'm opening. It has a unique file name with an xlsx extension, but when I double-click it, it opens 2 copies (an xlsx1 and xlsx2). If I close either one, it closes both. ...
by Tamales
Sat Dec 30, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: When do true-up employer 401k contributions occur?
Replies: 14
Views: 958

Re: When do true-up employer 401k contributions occur?

I wonder why employers (who are always looking to simplify accounting and payroll) don't just do a single lump contribution by Q1 of the following year, and nothing else during the year. They have to run those final year-end numbers anyway.
by Tamales
Tue Dec 26, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)
Replies: 3
Views: 807

Re: Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)

Thanks Grabiner. I have a state-specific fund which holds ~25% advance refunded (2nd largest sector it holds, behind GO). I suppose the fund managers will put out a note about how their strategy will change and the impact on the fund. I don't suppose it's something that requires immediate action on ...
by Tamales
Sun Dec 24, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)
Replies: 3
Views: 807

Tax reform: Muni bond fund impact (question on bond categories, not on whether munis make tax sense)

My question is on whether to reconsider my choices of particular muni bond funds, since there were some changes in the new tax law that affect different categories of bonds. Here's a summary of what I could find in the conference committee report: Bond reforms are described beginning on pdf pg 830 (...
by Tamales
Sun Dec 24, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.
Replies: 11
Views: 1367

Re: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.

Thanks for that link t-top. I wasn't aware there was an initial exclusion for "regulated investment companies." One might be tempted to think this provision and the convenient exclusion came from regulated investment company lobbyists. But that how the sausage-making works, like it or not.
by Tamales
Sun Dec 24, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.
Replies: 11
Views: 1367

Re: Investment Implications of the Tax Bill - Morningstar on FIFO, etc.

A technicality, but I don't think that M-star article is correct (re: FIFO) in saying, "Fortunately, Congress came to its senses when reconciling the House and Senate versions of the bill." I don't think that FIFO provision made it into either the House or Senate final versions taken up by the confe...