Search found 1462 matches

by XtremeSki2001
Sat Nov 12, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Managing Thanksgiving Expectations (Grandparents)
Replies: 14
Views: 1234

Managing Thanksgiving Expectations (Grandparents)

All, Deep breath ... Coming here for input and advice as I respect the opinion of our members and many of you are also Grandparents so you may have a different perspective than I. Long story short. My wife and I are in are mid 30's with a 3 year old, 2 year old, and 3 week old. My extended family is...
by XtremeSki2001
Tue Nov 08, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119739

Re: Boglehead Beer

Finally got into my stash to celebrate the birth of my daughter ... and did it the right way. Enjoyed a Dogfish Head 120 Minute (Double IPA) bottled on July 22, 2015, just like I have with my two boys. Also enjoyed a 2015 Trappist Westvleteren 12 (XII) (Belgian Quad). Each were delicious. Would love...
by XtremeSki2001
Wed Jul 27, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119739

Re: Boglehead Beer

I tapped a sixtel of Great Lakes Brewing Company "Lake Erie Monster" last week. It's an imperial IPA and at 9.1% it packs a heavy punch. I drank 3 pints one night and decided the next day all future LEM's would be enjoyed in a 12 oz glass. It's good though. A little heavy in the mouth and...
by XtremeSki2001
Sun May 15, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119739

Re: Boglehead Beer

packet wrote: It's perhaps the furthest from a Boglehead beer at $44 a four pack.


... and worth every penny.
by XtremeSki2001
Sat May 14, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 69444

Re: High Earners - What's Your Profession?

Thanks SQRT. Your advice is definitely against what most people tell me in this profession Really? What are they telling you? Maybe the typical advice is to put in the time and make partner. However if you want to make the huge money then you have to develop the right skills/leadership and find the...
by XtremeSki2001
Sat May 14, 2016 6:49 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119739

Re: Boglehead Beer

Dogfish Head 120 Minute IPA has a reputation for sitting on the shelves too long--to the point where I've been in a craft beer bar and heard industry people discussing a different beer that was 'priced to sit' and called it the "120 minutes problem". I knew exactly what they meant. Your b...
by XtremeSki2001
Mon Apr 25, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 711
Views: 119739

Re: Boglehead Beer

...I have a six of their "Brown Shugga" for football tomorrow. It sounds like something I wouldn't like but it is great. I've been buying it since before Christmas. Getting hard to find. I usually like hoppy beers but this stuff is good and powerful! -9.8% alc. I'm making ribs to accompan...
by XtremeSki2001
Wed Apr 06, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Philadelphia Suburb to Live?
Replies: 62
Views: 10094

Re: Best Philadelphia Suburb to Live?

Fieldsy1024 wrote:Right now I am 8-10 min away lol. Yes, I'd take 95/Blue Route. I think we can save more with a house in Montgomery County or Chester Counter.


I live in (and love) Bucks County, but you won't get more house up here :beer
by XtremeSki2001
Wed Apr 06, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best Philadelphia Suburb to Live?
Replies: 62
Views: 10094

Re: Best Philadelphia Suburb to Live?

Bumping this.... My wife and I bought a single ranch in Folsom (Ridley Township, Delaware County) I am seeking input of areas with more land (at least .35 acres, max 1 1.5), under 400k, a half hour or so to Philabundance (where she works, I work at Boeing, Philabundance is basically 2 blocks past C...
by XtremeSki2001
Fri Mar 25, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3835

Re: How to get rid of poison ivy

Here is info about it being a likely carcinogen by WHO http://www.scientificamerican.com/article/widely-used-herbicide-linked-to-cancer/ Interesting article. The word "probable" is used pretty pervasively and this quote was telling "The IARC review notes that there is limited evidenc...
by XtremeSki2001
Thu Mar 24, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3835

Re: How to get rid of poison ivy

If you don't think spraying poisons around your yard is going to increase your chances of ending up with cancer, go to it. But you might be careful about quoting Monsanto-subsidized research to justify it. If you wouldn't mind sharing, I'd be interested in reading an independent study asserting rou...
by XtremeSki2001
Thu Mar 24, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3835

Re: How to get rid of poison ivy

Round Up. Roundup will kill the poison ivy - and more importantly, the roots. Wait until it completely dies, and then carefully pull up what remains. Where protective clothing - buy a disposable Tyvek suit. +1 I never had a reaction until last year and then I had a terrible reaction. Awful. Anyway,...
by XtremeSki2001
Fri Mar 11, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 4877

Re: Finally - Maxed 401k - Now What

All, Thanks again for all the input. Wanted to recap to confirm my understanding given I am in the 25% tax bracket. My plan is to: 1) Max 401k contribution ($18k) 2) Max Roth IRA for me and wife ($11k) 3) taxable Note: We've evaluated HSAs and they are not a good fit for us at this time. We plan to ...
by XtremeSki2001
Sat Feb 27, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 4877

Re: Finally - Maxed 401k - Now What

Thanks all for the input - I'll have to play with taxcaster. We live a pretty modest lifestyle. We purchased a home and two cars with a plan my wife returns to work, but due to various reasons, she did not. So we're in a bit in more than we planned, but still feel we're doing reasonably well. I also...
by XtremeSki2001
Fri Feb 26, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 4877

Re: Finally - Maxed 401k - Now What

At 25% Marginal tax rate, you should max up the trad. 401K and put the tax savings into Roth IRAs. Thanks! 2) Is your house paid off? No. Purchased it 3 years ago and have a 30-yr mortgage. We did put down 20%. 3) We do not care about effective tax rate for this kind of calculation. We are looking ...
by XtremeSki2001
Fri Feb 26, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 4877

Re: Finally - Maxed 401k - Now What

My apologies for being vague. Here are the details Emergency funds: 6 months Debt: Two cars with about $20,000k remaining @ <3%. Both will be paid off in October 2017. Tax Filing Status: Married Filing Jointly (wife is SAHM) Tax Rate: Effective ~15% Federal, 3.07% State State of Residence: PA Age: e...
by XtremeSki2001
Fri Feb 26, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 4877

Re: Finally - Maxed 401k - Now What

Making sure we're on the same page, you're aware that the 18k limit applies to you alone, employer match is not included. Without more tax info hop on the rIRA train. This will allow account diversification. No difference between his or hers. I was not aware the 18k limit applies to me alone. So in...
by XtremeSki2001
Fri Feb 26, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 4877

Finally - Maxed 401k - Now What

Morning! For the first time I'm on-track to max my 401k in 2016. I contribute 6%, but due to my employers match and a significant part of my bonus contributed directly to my 401k, I'm going to hit the max. We have some low interest debt for two cars (under 3%) and our home (under 4%), otherwise, fre...
by XtremeSki2001
Mon Feb 08, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 2863

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: 2863

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: 2863

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: 2863

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: 2863

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: 711
Views: 119739

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: 711
Views: 119739

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: 711
Views: 119739

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: 3840

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: 3099

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: 3840

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: 3840

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: 9057

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: 9057

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: 3298

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: 2051

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: 5489

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: 2051

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: 4396

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: 1468

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: 5523

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: 4080

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: 711
Views: 119739

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: 711
Views: 119739

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: 711
Views: 119739

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: 711
Views: 119739

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: 5523

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: 5523

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: 5523

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: 5523

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: 7727

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: 5523

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...

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