Search found 271 matches

by leftcoaster
Tue Feb 13, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1766

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

I agree about rapping with a knuckle. Also, if you ever open a wall, take pictures! Studs are spaced 16" on center. If you see an electric outlet, it's nailed to the side of a stud. rap into until you figure out which side it's on, then measure 16" and rap again. I'm not a pro and it works every tim...
by leftcoaster
Tue Feb 13, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Paper I-Bonds Purchases With Tax Return
Replies: 32
Views: 3373

Re: Paper I-Bonds Purchases With Tax Return

Yes, you can convert the new bonds. Note that you can buy an extra $10K in a revocable living trust. So: his $10K, her $10K, their trust' $10K, tax refund $5K (modify if same gender couple of course). You can ALSO buy 10+10+10 in EE bonds, which I am using for the "doubles at 20" to have a 'sure thi...
by leftcoaster
Tue Feb 13, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 422

Re: TV assisted listening

Ah, I have one of those dongles and headphones lying around. Will try it!
by leftcoaster
Tue Feb 13, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 422

TV assisted listening

Is there a system that will enable one hard of hearing person to use headphones while the others use a sound bar at a normal volume?

TV is a somewhat recent Vizio set with their sound bar, which is connected to the optical port.
by leftcoaster
Tue Feb 06, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 552

Re: Calif UTMA @ Vanguard

I was finally able to get through to the brokerage. They said that it is the responsibility of the custodian to remove their name from the UTMA account, any time after the minor reaches the age of maturity, which is 18 in California. They are sending me a form to take care of that. I saw several re...
by leftcoaster
Mon Feb 05, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 552

Re: Calif UTMA @ Vanguard

What about the mechanism for extending custodianship beyond age 18? I have related questions. I have a UTMA account (not in Vanguard) that I opened for my son in 2001. I'm in California. From reading the CA UTMA rules, it sounds like the investment can be kept in a UTMA account until he turns 25 be...
by leftcoaster
Mon Feb 05, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 552

Re: Calif UTMA @ Vanguard

Yes, I understand the ability to move taxable gains into a UTMA. I also understand the impact to financial aid.

What about the mechanism for extending custodianship beyond age 18?
by leftcoaster
Mon Feb 05, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 552

Re: Calif UTMA @ Vanguard

@dbr, thank you. I agree.
by leftcoaster
Mon Feb 05, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Calif UTMA @ Vanguard
Replies: 11
Views: 552

Calif UTMA @ Vanguard

Has anyone here opened a UTMA at Vanguard that extends the custodial period beyond age 18, as some states permit? What steps were involved? California let’s you go to 21; 25 in some cases. And - when opening a UTMA online, the option only appears if you say you are investing “for college.” That seem...
by leftcoaster
Sun Jan 28, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: dual income california withholding calculator
Replies: 1
Views: 218

dual income california withholding calculator

Is there a calculator somewhere that will help me dial in the withholding for a two income couple on California income taxes? Or is there no need for such calculations as in the federal case?
by leftcoaster
Sat Jan 20, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can Roth conversions count as RMDs?
Replies: 27
Views: 1825

Re: Can Roth conversions count as RMDs?

Odd constraint. The conversion is taxable just as the distribution. Oh well
by leftcoaster
Sat Jan 20, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can Roth conversions count as RMDs?
Replies: 27
Views: 1825

Can Roth conversions count as RMDs?

Can someone taking RMDs satisfy the requirement with a Roth conversion if the RMD is not needed for current living expenses?
by leftcoaster
Sat Jan 20, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Partial RMD for QCD?
Replies: 7
Views: 328

Re: Partial RMD for QCD?

thanks all!
by leftcoaster
Sat Jan 20, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Partial RMD for QCD?
Replies: 7
Views: 328

Partial RMD for QCD?

Can a senior eligible to turn an RMD into a Qualified Charitable Donation do that for a fraction of the monthly RMD check? Example - gift is $2500. RMD is $5000. Can s/he do the 2500 as a QCD and the balance as A distribution?

Or must one donate the whole RMD check? That would seem crazy but....
by leftcoaster
Sat Jan 20, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 14
Views: 1646

Re: Should I stop 529 Contributions

Grad school likely?
by leftcoaster
Sat Jan 20, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Next Phase - Move to Taxable?
Replies: 5
Views: 731

Re: Next Phase - Move to Taxable?

With a 5y timeline tax deferral and a state tax exemption for I bonds may make sense.
by leftcoaster
Fri Jan 19, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Job terminated. Convert small pension to lump sum or annuity?
Replies: 18
Views: 1581

Re: Job terminated. Convert small pension to lump sum or annuity?

I have a pension of similar size but I get a return based on the constant maturity of 30y treasuries at no risk to me. So I am keeping it as a small part of my bond allocation.
by leftcoaster
Thu Jan 18, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 13145

Re: Can We Retire in Hawaii? Please Critique

retire in Dallas (really??? I live just south of Dallas now; it's awful), what will I do all day I always find it semi-amusing when people recommend moving to a low-cost area instead of answering the questions being asked about a high-cost area but you have to admit that suggesting Tennessee or Tex...
by leftcoaster
Wed Jan 17, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: ETF Bond Fund ladder
Replies: 1
Views: 239

ETF Bond Fund ladder

Under what circumstances does it make sense to use fixed duration ETF bond funds (iShares has them with maturities out for the next 10 years) ? These are corporates or there is a muni option. There seems to be no point for treasuries as there is no default risk to diversify away. For corporates and ...
by leftcoaster
Wed Jan 17, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10130

Re: Besides Bogleheads, What Are Your Favorite Forums?

Hacker news

Sailing Anarchy

Lumberjocks

Sawmill creek

Kiteforum

Local politics
by leftcoaster
Mon Jan 15, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1533

Re: best flooring for a basement wood shop?

Ask this question in the about the workshop forum on Lumberjocks.com. Sawmill creek is another option.

Short answer - plywood on sleepers over concrete. Your legs will get sore on a hard surface and your tools will be damaged when dropped.
by leftcoaster
Sun Jan 14, 2018 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 5671

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

Stick to your plan and find another outlet for stimulation. Boglehead investing is supposed to be boring.

If you feel you must gamble, take not more than 5% of your portfolio and go nuts.
by leftcoaster
Sat Jan 13, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11494

Re: IRS announces new withholding tables for 2018

At the time of this post, the IRS has taken down the withholding tables from their site. https://www.irs.gov/pub/irs-pdf/n1036.pdf Not sure what you mean--they're still on the IRS site as of when I'm typing this post, as is the press release announcing them: https://www.irs.gov/newsroom/news-releas...
by leftcoaster
Fri Jan 12, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8147

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Always insist on a plain old ATM card, not one that has the Visa "feature."
by leftcoaster
Fri Jan 12, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8147

Re: Credit card keeps getting hacked, even when unused! (4x now!)

And some online stores accept payment cryptograms, like Apple Pay, which are single use and bound to a precise amount. Lyft and Uber accept this as do an increasing number of etailers.
by leftcoaster
Fri Jan 12, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8147

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Have you looked to see if your computer is infected with key logger malware that transmits your card info to an adversary as you type it?
by leftcoaster
Sat Jan 06, 2018 2:52 am
Forum: Personal Finance (Not Investing)
Topic: State tax credits, DAF, itemizing
Replies: 2
Views: 349

State tax credits, DAF, itemizing

California offers a 50% state tax credit for donations to its college access fund. (https://www.ftb.ca.gov/individuals/College_Access_Tax_Credit.shtml) Can you take this credit if you do not itemize? Is that true for all credits (foreign tax credit on federal return for example) Can you take the cre...
by leftcoaster
Thu Jan 04, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: How to compute tax-equivalent yield on muni bonds?
Replies: 17
Views: 1208

Re: How to compute tax-equivalent yield on muni bonds?

That formula assumes you deduct state income taxes, something that is changing for many of us next year. In particular, most holders of in-state muni bonds are already paying more than $10K in state taxes, since munis only make sense as investments when you are in a high tax bracket. Therefore, the...
by leftcoaster
Thu Jan 04, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: How to compute tax-equivalent yield on muni bonds?
Replies: 17
Views: 1208

Re: How to compute tax-equivalent yield on muni bonds?

That formula assumes you deduct state income taxes, something that is changing for many of us next year. In particular, most holders of in-state muni bonds are already paying more than $10K in state taxes, since munis only make sense as investments when you are in a high tax bracket. Therefore, the...
by leftcoaster
Thu Jan 04, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage due to new tax law
Replies: 39
Views: 5670

Re: Pay off mortgage due to new tax law

I paid it off today. One less bill to look after and I had the $$ sitting in a tax free muni fund that no longer made sense.
by leftcoaster
Mon Jan 01, 2018 2:13 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 42
Views: 4259

Re: Savings Bond Wizard to be eliminated 5/18

Third party desktop software is available, at least for MacOS.
by leftcoaster
Wed Dec 27, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1209

Re: How much to front load DAF this year?

It doesn't seem like $260 per $10K is a big enough save to bunch more than 2 years of contributions at a time, given the opportunity cost of missing out on appreciation of the money (appreciation to me, not within the DAF). The appreciation argument doesn't really work that way. If you donate $10k ...
by leftcoaster
Mon Dec 25, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1209

Re: How much to front load DAF this year?

So looking ahead to next year and following, in the years where I WOULD want to itemize, is this correct ? ( $10K SALT + mortgage interest + charitable contributions ) has to be greater than $24K for itemizing to make sense For me, $10K SALT and mortgage interest is about $15K, but I consistently gi...
by leftcoaster
Sun Dec 24, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1209

How much to front load DAF this year?

High SALT (income), top bracket now and next year. Won’t itemize unless I make big charitable contributions. I have the means to load up my DAF this year and then itemize for one or more years ahead. So I could take a very large charitable donation this year and itemize for several years starting ne...
by leftcoaster
Fri Dec 08, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Beefy Brothy Stocky Thing Advice
Replies: 24
Views: 2823

Re: Beefy Brothy Stocky Thing Advice

Beef stock making is a serious all day affair. You have to start out by roasting the beef bones and the carrots, celery, onions for about an hour or so. That's followed by simmering for many hours along with a bouquet garni. You then strain it off. Because it's such a long process I make a large ba...
by leftcoaster
Wed Nov 29, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4853

Re: best cordless drill??

BTW some tools should only be bought corded. A jigsaw is an example.
by leftcoaster
Wed Nov 29, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4853

Re: best cordless drill??

Aside from Festool and Fein these are all essentially the same and made in the same manner in China. Ask any veteran employee at Home Depot. You’re buying a platform to which you can add drills and other bare tools for the same battery I have the Milwaukee m12 and like it. The m18 is too heavy and o...
by leftcoaster
Sat Nov 25, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 23
Views: 1856

Re: Kreg jig

Depending upon what you're doing, a biscuit joiner might be a better choice. I woodworking I tend towards tenon and glue fasteners rather than screws. The advantage of the Kreg system is you can use glue and don't have to worry about clamping the joint. Used for cabinet face frames (if anyone uses ...
by leftcoaster
Sat Nov 25, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 23
Views: 1856

Re: Kreg jig

Are you talking about a pocket screw jig? Yes, I bought one from home depot - the K 4 jig and will 'try' to build a full size bed today - with some luck and mistakes!! Pocket screws for a bed? Uh, not a great idea. You want a mortise and tenon. Pocket screws will perform poorly and the bed will rack.
by leftcoaster
Sat Nov 25, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: 529 state tax (NY) super funding and out of state distributions
Replies: 0
Views: 181

529 state tax (NY) super funding and out of state distributions

Grandmother (GM) lives in NYC. Granddaughter lives in CA. GM wants to capture the state tax deduction ($5K/year) AND superfund the 529. Questions: 1) does the deduction carry forward for the 5y period of superfunding? Meaning: can GM take the $5K deduction in each of the 5y of superfunding? 2) what ...
by leftcoaster
Sat Oct 21, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: 401k limit changes being considered- how likely is it and how much of an impact?
Replies: 28
Views: 3562

Re: Lowering 401k limits

Other stories have indicated that that this lowering of the 401k contribution limits would be for tax deductible 401k's & not Roth 401k's. If true, this would increase current Federal tax revenue but limit future tax revenue, 20-30 years out. Higher tax revenue now to enact other tax cuts in order ...
by leftcoaster
Thu Oct 19, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1794

Re: Drawback of TOTP (app like Google Authenticator)?

Recovery is the weak point of all account security. Ideally they would send a QR code for a new TOTP generator on paper to your address on file. And no call center rep would be able to see it.
by leftcoaster
Fri Sep 08, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27702

Re: Name something you had to have and now you regret purchasing it?

Great thread! Elliptical. Specialized yard equipment. I now call an arborist for tree and tall hedge work. I could do it but there are other tasks I prefer to do with the time. Related - those tasks give more satisfaction than the elliptical. I knew this going in. When I went to the store for the el...
by leftcoaster
Fri Jul 28, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 6737

Re: GF Picking a college major

Why does she want to go to college ? Bottom line is she really doesn't have much motivation to be there. She had high hopes at first about becoming a doctor so that was the original reason. Now, she really doesn't have a clear goal/reason for being there other than her parents want her to go. This ...
by leftcoaster
Fri May 05, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Explanation for the recent run-up in VEU
Replies: 2
Views: 373

Explanation for the recent run-up in VEU

Is there a fundamental change that explains the sharp run up in VEU after April 19th ($47.21) to today ($49.56) ?

I know it is currently tracking with the domestic total stock market, but... is this "just" politically fueled (without getting into politics please!) or is there another force in play?
by leftcoaster
Thu Apr 27, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 2119

Re: Hourly rate for carpenter?

Costhelper.com is good for this sort of question.
by leftcoaster
Sat Apr 22, 2017 5:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45929

Re: Larry Swedroe says "Goodby."

Larry had many interesting contributions over the years and was undoubtedly helpful to many. To suggest that this was all altruistic (because he only got 1 or 2 paying clients) is a bit of a stretch. The forum served as a great platform for BHS to learn about his books and other writing, which eleva...
by leftcoaster
Wed Apr 12, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 6040

Re: Prewiring house for tv and internet. Worth it?

Pull that blue plastic conduit so you can replace a damaged or obsolete wire.
by leftcoaster
Thu Mar 30, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Glucosamine for joint pain?
Replies: 8
Views: 902

Glucosamine for joint pain?

Any BHS take glucosamine to alleviate knee pain? Mine flares up when I exercise, even with lower impact activities like the elliptical. Occasional knee buckling too. Need to strengthen the muscles and drop weight, but the pain is an obstacle. Wondering if glucosamine has worked for others. Yes I wil...