Search found 1444 matches

by XtremeSki2001
Mon Feb 08, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 2624

Re: Huge Federal Tax Return

Instead of trying to get your withholdings just right you might want to look at how much you have to have withheld to qualify for the safe harbour rules so you would not have to pay an underwithholding penalty. As long as you have that much withheld you would be OK even if you had to write a large ...
by XtremeSki2001
Mon Feb 08, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 2624

Re: Huge Federal Tax Return

Just doing the math myself, in FY15 I paid 14500 in federal income taxes. I got back $7k so I overpaid by ~$7.5k. If you received a $7K refund then by definition you overpaid by $7K. Using FiveK's formula, I'd take my refund of $7,000 / ($4,000*25%), which equals 7. 7 is 4 more allowances than I cu...
by XtremeSki2001
Mon Feb 08, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 2624

Re: Huge Federal Tax Return

I tried both calculators and each has its pitfall, IMHO. Just doing the math myself, in FY15 I paid 14500 in federal income taxes. I got back $7k so I overpaid by ~$7.5k. Using FiveK's formula, I'd take my refund of $7,000 / ($4,000*25%), which equals 7. 7 is 4 more allowances than I currently take....
by XtremeSki2001
Sun Feb 07, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 2624

Re: Huge Federal Tax Return

Thanks all for the thoughtful replies. My bonus is categorized as supplementary, but I'll talk to HR nometheleas.

I will most certainly try the calculator.
by XtremeSki2001
Sun Feb 07, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 2624

Huge Federal Tax Return

Hi all, Did my taxes this morning and my federal return is $7k! State return is nearly $0. I have a very basic return. Married, two children, mortgage, student loans, one working parent so one W2, no other income and some immaterial donations. Is there any good software out there that can help me di...
by XtremeSki2001
Wed Jan 20, 2016 3:40 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Boglehead Beer

KBS is one beer that's alluded me - never had it despite my several attempts.
by XtremeSki2001
Mon Jan 18, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Boglehead Beer

Did something today I suspect many Boglehead's would not ... bought two (2) 12oz bottles of Westvleteren 12 for $26 :happy Worth it to me! Nice pick! Where can I pick up one of those non-bogelhead brews? Got them here ... cheapest I could find in Brussels http://www.biertempel.eu/
by XtremeSki2001
Mon Jan 18, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Boglehead Beer

Did something today I suspect many Boglehead's would not ... bought two (2) 12oz bottles of Westvleteren 12 for $26 :happy Worth it to me!
by XtremeSki2001
Fri Jan 15, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: Serta iComfort / Tempurpedic - Buying a Mattress
Replies: 40
Views: 2930

Re: Serta iComfort / Tempurpedic - Buying a Mattress

Wanted to update everyone. We ended up going with a latex bed from Brooklyn Bedding, medium firmness. We love it so far.
by XtremeSki2001
Wed Jan 06, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: WSJ Article: Why the redskins players are so frugal?
Replies: 22
Views: 2716

Re: WSJ Article: Why the redskins players are so frugal?

Pretty remarkable. Perhaps they're lurking / posting here :sharebeer
by XtremeSki2001
Wed Dec 09, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Serta iComfort / Tempurpedic - Buying a Mattress
Replies: 40
Views: 2930

Re: Serta iComfort / Tempurpedic - Buying a Mattress

Thanks everyone for the responses! For those of you who stated you bought a latex bed - is there a specific brand you purchased?
by XtremeSki2001
Tue Dec 08, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Serta iComfort / Tempurpedic - Buying a Mattress
Replies: 40
Views: 2930

Serta iComfort / Tempurpedic - Buying a Mattress

Hi All, Did some searching and it seems the majority of Bogleheads are sleeping on Serta iComfort or Tempurpedic mattresses. My DW and I have never spent over $1k on a mattress so we're treading carefully. A few questions for those of you on latex/foam mattresses. We're planning to get a new bed bec...
by XtremeSki2001
Mon Nov 16, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 7663

Re: Considering moving to Oregon

consider living on the other side of the river, in Vancouver, Washington..... there is zero state income tax and you are practically in Portland. Oregon has no sales tax. I grew up in Vancouver and moved to the Philadelphia area about 15 years ago. Would love to go back, but our family is here and ...
by XtremeSki2001
Mon Nov 16, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 7663

Re: Considering moving to Oregon

consider living on the other side of the river, in Vancouver, Washington..... there is zero state income tax and you are practically in Portland. Oregon has no sales tax. I grew up in Vancouver and moved to the Philadelphia area about 15 years ago. Would love to go back, but our family is here and ...
by XtremeSki2001
Tue Nov 10, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding helping son with graduate school loan debt
Replies: 42
Views: 2649

Re: Question regarding helping son with graduate school loan debt

My parents paid half as a gift. I paid the other half.
by XtremeSki2001
Fri Nov 06, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Young Engineer pondering of switching Great Job for more $$
Replies: 25
Views: 1737

Re: Need Advice - Young Engineer pondering of switching Great Job for more $$

The thing is, I have trust in myself and confidence in myself to perform, so I'm not really worried about that aspect of the job. But I know it will be a high stress environment, but that is to be expected when they are willing to pay such a high salary.... I am not doubting your capability when I ...
by XtremeSki2001
Fri Nov 06, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Is a $100 drip coffee machine significantly better than a <$50?
Replies: 57
Views: 4387

Re: Is a $100 drip coffee machine significantly better than a <$50?

We have an SCAA certified Bonavita drip coffee maker ($150). We love it. A caveat is that we're also picky about the coffee beans we buy. We generally go with single-origin african beans roasted the same week we use them (~$12/pound). We grind them with a Breville stand alone grinder ($150). I'm not...
by XtremeSki2001
Fri Nov 06, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Young Engineer pondering of switching Great Job for more $$
Replies: 25
Views: 1737

Re: Need Advice - Young Engineer pondering of switching Great Job for more $$

IMHO, coming from a consulting background, there's a reason they're willing to pay someone with 4 years experience $250k ... it's likely because it's hard to attract talent and that should be an indicator to proceed with caution.
by XtremeSki2001
Fri Oct 30, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 44
Views: 3821

Re: Dissuade me from buying art [Kauai]

I'm on vacation in Kuaui and my wife and came across an art gallery displaying works of surf-art legend, Steve Valiere. My wife and I had a similar challenge when we came across a canvas glicee produced by Mark Middleton in a gallery on the island of Maui. We passed on it for reasons similar to you...
by XtremeSki2001
Fri Oct 30, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Any hotel-oriented rewards credit cards?
Replies: 12
Views: 1230

Re: Any hotel-oriented rewards credit cards?

I got a marriott card when the bonus seemed attractive, and will probably keep it as I can almost always use one room a year for the price of the annual fee. Also keep in mind that marriott never effectively expired points, but will start to do so next year, so if you have a lot of points you need ...
by XtremeSki2001
Thu Oct 22, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Long story short, but our installer has agreed to remove our 4-ton 2-stage unit for the same model in a 3-ton 2-stage unit. We had two independent opinions and both confirmed our equipment was over sized. The over sizing resulted from an improper manual J by the original installer and they never per...
by XtremeSki2001
Thu Oct 01, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 30
Views: 3626

Re: Boglehead Hawai

Well I am here and getting acclimated. Up way too early and wanted to review recommendations before we head out today. My wife and I found we enjoyed "island time". Seeing people in the ocean swimming, people jogging, etc. as early as 5am was great and things were quiet at sundown. Our VR...
by XtremeSki2001
Sun Sep 13, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Re:

Scudagc wrote:
woof755 wrote:Visiting a friend in Hawaii in a week (a friend indeed!). Any beers there I shouldn't miss?


If you are on the Big Island, check out the Kona Brewery. Decent food and do the sampling. See waht you like.


If you're on the Big Island, although not beer, check out Hula Daddy coffee.
by XtremeSki2001
Fri Sep 11, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Boglehead Beer

Most discussions here are about the brands of beers. I would like to know how many bottles of beers you normally drink each day. Generally not during the weekdays, over the weekend I will toss down a 6 pack give or take depending on what is going on. Same, except when I'm travelling. In Dublin now ...
by XtremeSki2001
Fri Sep 11, 2015 4:41 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Boglehead Beer

+1 for homebrewing. I sample craft brews and then brew what I like for a lot cheaper. I do 10 gallon batches for usually less than $50 bucks. At less than 50 cents a beer I'd say that's bogleish. And it's an excuse to go drink beer in the garage while I do it. What's your setup like? Propane? Elect...
by XtremeSki2001
Sat Sep 05, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 592
Views: 93711

Re: Boglehead Beer

+1 for homebrewing. I sample craft brews and then brew what I like for a lot cheaper. I do 10 gallon batches for usually less than $50 bucks. At less than 50 cents a beer I'd say that's bogleish. And it's an excuse to go drink beer in the garage while I do it. What's your setup like? Propane? Elect...
by XtremeSki2001
Tue Sep 01, 2015 6:00 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Thought I'd post a follow-up. The Carrier rep visit my home and could not explain why the unit was running for 10 minutes a pop on a day where the temp was at design. He said it should be running in the second stage and running nearly continuously. Carrier would not assert whether the equipment was ...
by XtremeSki2001
Thu Aug 27, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Cool the water? :confused You mean cool the Puron or other compatible gas? This is the first I'm hearing of an A/C condenser cooling water. Usually the A/C if it has a de-humidifier built in will remove the water from the atmosphere and pump it to a drain or depending on location directly into a gu...
by XtremeSki2001
Wed Aug 26, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Knowledge is power. I suspect you’re right on sizing, but as a retired engineer I wonder – 1) When the system runs for 7 minutes or whatever duration how long is the compressor (outside unit) actually running? And on a hot day what percent of time is the compressor running and at what level(s)? 2) ...
by XtremeSki2001
Wed Aug 26, 2015 9:45 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Out of curiosity I did a time test last evening. It was a moderate day yesterday - mid 80s. I got the following results ~ 7-8PM System ran for 6-7 minutes Off for 9-10 Ran for 6-7 Off for 9-10 According to Energy Star, from the article I quoted above: "It is common for contractors to install o...
by XtremeSki2001
Wed Aug 26, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: $100 k for a MBA, worth it ?
Replies: 35
Views: 6873

Re: $100 k for a MBA, worth it ?

An MBA can be helpful for some people, but it depends on your situation and what your long term goals are. I was director of a large IT department supporting a large organization. I had a number of people go back to school to get MBAs and the only ones who it arguably helped were those who used it ...
by XtremeSki2001
Tue Aug 25, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

R-19 in the attic seems light? Is that what is recommended for your geographic region? It is light ... we should have ~R49. That's a separate project. :D I was advised against a 2 stage system for a 2 story house because of short cycling. If the thermostat is on the bottom floor (and especially nea...
by XtremeSki2001
Tue Aug 25, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

If low stage is 2.7 tons and it sounds like it only runs about 1/2 the time on design temperature days which means maybe you only need 1.5 tons of cooling. You must have a very well insulated house. Are they sure it is running on low stage? But it is possible that is all you may need because I'm ab...
by XtremeSki2001
Tue Aug 25, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

What is the indoor humidity? Is the humidity inside the same now as with the old system? How many times per hour did the old system go on and off? 6-8 minute run times, four times an hour seems okay to me. What qualifies you to judge this as short cycle? If the house is cooling and moisture is bein...
by XtremeSki2001
Tue Aug 25, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 73
Views: 7017

Re: Ant Control

If you're only trying to control ants make a paste of 50% sugar and 50% borax with a little water. Spread it on the trails. The sugar will attract the ants and the borax will do the rest. When I've put it down in the evening the ants are gone by morning. A box of borax costs maybe $5 or $6 and will...
by XtremeSki2001
Tue Aug 25, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

I got a 3 ton (Rheem) replaced last year in Florida in the middle of summer for $4400. If I spent 12 grand, I'd expect it to run like a Rolex (not that my system has had any issues). You might make sure your thermostat is in a good spot. My old one was practically in the kitchen so they moved it wh...
by XtremeSki2001
Tue Aug 25, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Thanks all for the feedback. A few responses ... Most of the time our system runs at low stage with blower fairly low volume. Ours runs on low stage even on days when the temperature is at or above the design temp. Even then it only runs 6-8/off for 7-8 minutes and does this four (4) times an hour. ...
by XtremeSki2001
Mon Aug 24, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Watty wrote:How does that compare to the size of your old system?


Old system was a 3.5 ton one-stage. New one is 4-ton (2-stage).
by XtremeSki2001
Mon Aug 24, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

Thanks, Cheese. Fortunately, the furnace is a modulating one so even if it was oversized it shouldn't be a significant issue. If it is two stage it really makes no sense that it short cycles. Sounds like a misconfiguration. Stage One runs @ 2.7 tons so I'm inclined to agree. Even on design temp days...
by XtremeSki2001
Mon Aug 24, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Re: Oversized HVAC?

edit: Where do you live? Is it an exceptionally hot area? My home in southern MI is about 100 sq. ft. smaller than yours with a basement and 4 ton Carrier, and my A/C works fine. Thanks. Live just outside Philly. I'd give the installers and Carrier time to check things out. We installed a new 4-ton...
by XtremeSki2001
Mon Aug 24, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 4756

Oversized HVAC?

Hi All, Always appreciate the opinions of our knowledgeable user base. Would love some input / thoughts on this situation. Had a installer out in December 2014 to install a new Carrier HVAC system (furnace and AC). Some small install issues that were quickly remediated. During the summer months I no...
by XtremeSki2001
Tue Aug 11, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 30
Views: 3626

Re: Boglehead Hawaii

Never been to the Big Island, but we saved a lot by (1) making most of our own meals, (2) snorkeling from the beach w/ our own gear, and (3) lots of hiking on national/public park land. Maui even has its own Costco.
by XtremeSki2001
Tue Aug 11, 2015 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 9123

Re: Who are you able to share good financial news with?

My spouse. I have a friend who works in the same industry, we don't share numbers, but we have an idea of what certain levels mean. Most my friends, think we're rich and cheap :P
by XtremeSki2001
Sat Jul 11, 2015 5:23 am
Forum: Personal Consumer Issues
Topic: Buying a House Drama
Replies: 23
Views: 2912

Re: Buying a House Drama

Tell her, "thank you for showing us the house. We think you should take the higher offer. Best of luck to you." Then move on, and don't look back. It does sound like you're being played. This. We walked away and the seller contacted us a month later asking if we were still interested and ...
by XtremeSki2001
Sat Jul 11, 2015 5:19 am
Forum: Personal Consumer Issues
Topic: standby generators
Replies: 9
Views: 1402

Re: standby generators

Just curious what many paid for the install? For my home, we'd need to go with a 16k, which from Generac is ~$3.5k
by XtremeSki2001
Sat Jul 11, 2015 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing first home - withdraw from 403(b) advised?
Replies: 8
Views: 656

Re: Purchasing first home - withdraw from 403(b) advised?

IMHO, if he hasn't saved enough for a 20% down-payment on a home as well as an emergency fund, he's not ready to buy a house.
by XtremeSki2001
Sat Jul 11, 2015 5:13 am
Forum: Personal Finance (Not Investing)
Topic: who do you have your term life insurance with?
Replies: 32
Views: 2332

Re: who do you have your term life insurance with?

Principal - $1M in coverage for me, $500k for my wife
by XtremeSki2001
Wed Jul 08, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 32
Views: 4485

Re: Average raises for promotions

I just read the thread where someone working for a boutique consultancy is interviewing with Big 4 firms but has been told at his current firm that he is likely to be promoted this fall with a 20-25% raise. I've spent my entire career at mega corps and my experience with increases from promotions i...
by XtremeSki2001
Wed Jul 08, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: $100 k for a MBA, worth it ?
Replies: 35
Views: 6873

Re: $100 k for a MBA, worth it ?

You should ask mentors within your company and broader industry. If they can give you specific answers with examples pro or con, listen to their answer. Also, I would think the choice of school should be somewhat dependent on your specific goals. Your view of the degree probably should be more spec...
by XtremeSki2001
Tue Jul 07, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1736

Re: Upgrading from Underwater Home (Rcvd Windfall)

FWIW, when I married my wife we sold her condo at a lost of $20k. We could have rented it for a few years and sold it at a loss and save a few $$. However, she was pregnant and we knew we were going to grow a family and didn't want the potential headache of playing landlord. We had the money and ate...

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