Search found 217 matches

by scottyja
Mon Jul 10, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Periodic investing to reduce/eliminate need to rebalance?
Replies: 15
Views: 1139

Re: Periodic investing to reduce/eliminate need to rebalance?

I've always liked this online calculator: http://optimalrebalancing.tk/

I use it to keep my HSA investments balanced as I invest every two weeks.
by scottyja
Tue Jun 27, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2019

Re: swimming goggles

I used to swim a lot (ironman distance triathlons) and tried a lot of goggles and the best ones in terms of not leaking that I have ever seen are Aquasphere. Made in Italy, they are harder to find, but you can get them on Amazon. ETA: They are not cheap, it will be around $20 but worth every penny ...
by scottyja
Thu Jun 08, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1863

Re: Is it possible to only replace sections of a concrete driveway?

Have you looked into concrete lifting? We've had good luck with this and it is significantly cheaper. Admittedly I haven't read all the responses, but in cases where whole slabs have sunk dramatically it can be easier just to lift the concrete rather than replace it. However, if the sections of conc...
by scottyja
Tue May 02, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2940

Re: 401k administrator requiring net worth

Have you notified your company? The smaller the organization, the more influence you can have regarding administrators. If you inform them that the administrator is being overly intrusive they may push back on the administrator, even threaten to take their money elsewhere. I recently helped a friend...
by scottyja
Thu Apr 06, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Are Steam Washer Dryers worth the extra $$?
Replies: 12
Views: 1025

Re: Are Steam Washer Dryers worth the extra $$?

On our dryer steam is only used for 2 of the many cycles - refresh and wrinkle release. It runs the dryer for 10-15 minutes to get wrinkles out.
by scottyja
Thu Apr 06, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Are Steam Washer Dryers worth the extra $$?
Replies: 12
Views: 1025

Re: Are Steam Washer Dryers worth the extra $$?

I use the function occasionally to get some wrinkles out of clothes. If you're in the habit of putting clothes in the dryer with a wet towel to get wrinkles out, this does the same thing minus the wet towel.
by scottyja
Thu Apr 06, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3833

Re: How best to handle disrespectful employee?

My boss is very supportive of me in however I want to handle this guy. However, at this point neither of us want to fire him. I'd much rather find a way to improve his performance and keep him. Have you been this direct with him? It's usually a wake-up call for an employee with a complex to hear &q...
by scottyja
Thu Apr 06, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Unused credit card with positive balance
Replies: 9
Views: 806

Re: Unused credit card with positive balance

jlcnuke wrote:I'm wondering how you have nothing owed on the card but have to make a $30 payment by the 25th?? I'd call them up and get it sorted with them directly.


This is what really jumped out to me when I saw it. I'm betting that it's simply poor website design, but I'll need to call them.
by scottyja
Wed Apr 05, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Unused credit card with positive balance
Replies: 9
Views: 806

Unused credit card with positive balance

We have a credit card associated with an old credit union account that we don't use anymore. It was accidentally used for an online purchase and it went unnoticed. When the $10 bill went unpaid, we accrued a late fee and some interest. I called the credit union and paid the bill and interest and ask...
by scottyja
Fri Mar 31, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 11
Views: 989

Re: Glacier National Park - where to stay

We found and booked a little place in Columbia Falls. I had no idea Glacier was such a popular destination, or maybe it's partly due to limited lodging, but now I feel like we're in for a treat! We'll be there 4 full days, so time to plan the itinerary. Again, thanks all for the quick responses.
by scottyja
Fri Mar 31, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 11
Views: 989

Re: Glacier National Park - where to stay

Wow, quick replies! Thanks! It's looking like there are more options on the west-side of the park, and you are all right, options are pretty limited right now! I'll see what we can grab for mid-July sometime.
by scottyja
Fri Mar 31, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 11
Views: 989

Glacier National Park - where to stay

We're thinking of doing a trip up to Glacier National Park mid-to-late summer. No one in the family has been there, and it doesn't look like there's a major town/city nearby. Any recommendations on where to stay that would be good for 3-4 days in the park? A moderately-priced hotel would be ideal - ...
by scottyja
Wed Mar 08, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 1799

Re: Any Car experts - Honda Odyssey question

Interesting quote from Edmunds : Oil samples from engines during the first 3,000 miles of driving show elevated "wear-in" metal levels, coming from the pistons and camshafts, says Ryan Stark, Blackstone's president. But he added, "To me, it doesn't make that much difference because if...
by scottyja
Wed Mar 08, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Any Car experts - Honda Odyssey question
Replies: 22
Views: 1799

Re: Any Car experts - Honda Odyssey question

Do what the maintenance minder tells you, especially for Hondas. It's following your driving habits and knows better than you or a preset formula when the oil should be changed. Additionally, Honda manuals indicate the oil put in the car from the factory is a special blend and needs to be in the car...
by scottyja
Wed Mar 01, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1257

Re: Reinforcing plastic handle (call to any material scientists)

Thanks all for the help. I'll see how feasible it is to completely remove the latch. I think it'll be much easier to work on it with it removed. Again, many thanks.
by scottyja
Tue Feb 28, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1257

Re: Reinforcing plastic handle (call to any material scientists)

dbr wrote:I can't figure out what is shown in your photos


Here's a view of what the part looks like:

Image

I'll have to think about the metal rod. That might be the right approach. Thanks for the input.
by scottyja
Tue Feb 28, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1257

Re: Broken plastic handle

FraggleRock wrote:Uh, contact Thule and buy a replacement?


Thule only honors warranties if you're the original purchaser, and this isn't a replaceable part - you basically have to purchase a whole new unit. I spent a good deal of time with them on the phone this afternoon and there's not much they will do.
by scottyja
Tue Feb 28, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1257

Reinforcing plastic handle (call to any material scientists)

Buyer beware - I know. We recently purchased a "new" Thule Apex 5 bike rack we found on a local online classifieds site (similar to craigslist). It looked good initially, but when we got home we noticed one of the handles that tilts the rack forward is warped/cracked. I don't know how I mi...
by scottyja
Tue Feb 21, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 1977

Re: Stand Up Desk

They say sitting more than a few hours a day is bad for your health. A study showed that even vigorous exercise did not overcome the negative affect that sitting has on heart and circulatory health. Interesting article I read today. I think science is finding it difficult to measure the real-world ...
by scottyja
Tue Feb 21, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 1977

Re: Stand Up Desk

Bad back, bad neck, knees, etc. Tried a stand up desk (feet hurt after awhile) Mine was a result of a back injury, too. My back doctor recommended the standup desk and even wrote a prescription for it, which my boss got a chuckle out of. My feet would get sore initially, but after a couple of weeks...
by scottyja
Tue Feb 21, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 1977

Re: Stand Up Desk

I'm using my Veridesk right now and really like it. Quality of the product is fine and raising/lowering is very simple. I try to stand all day unless I'm talking to someone else in the office, then I sit, so I'm adjusting it 10-20 times a day. I've used it regularly for about 9 months.
by scottyja
Wed Feb 15, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 9473

Re: -$280k Net Worth Has Me Up At Night

+1, sell the low profit property and use the money to pay off the high interest student loans. Most BH works thru all kinds of ways just to gain a .5% on investment and you are paying some 6%+ interest? Would this depend on where they are with the amortization schedule? They're not earning a ton of...
by scottyja
Wed Feb 15, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 1165

Re: Silly math question

The goal is subjective, not mathematical. So it is not a math question at all. You could say perhaps that you exceeded your goal by more than twice what you expected. But to try to be mathematically precise in a subjective goal is not logical. I'm not following you - the goal is to gain 0.5 units a...
by scottyja
Wed Feb 15, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 1165

Re: Silly math question

FreemanB wrote:The original and final value don't matter, only the increases. If .5 = 100%, then 1.08 = 216%. The math is (.5/1) = (1.08/x) -> .5x=(1.08 * 1) -> .5x = 1.08 -> x = 1.08/.5 -> x = 2.16 or 216%.


*whew* - always good to be validated every now and then. :)
by scottyja
Wed Feb 15, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 1165

Re: Silly math question

I'd say if your goal was to gain 0.5 units, and you gained 1.08 units, then you acheived 216% of your goal (1.08/.5=2.16). Or you could say (0.5/100 = 1.08/x) => x=216.

Others agree?
by scottyja
Tue Feb 14, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 8117

Re: Credit cards vs. Cash

I think people spend less with cash because the whole process is such a pain. I tried it very, very briefly and did not enjoy it. Some of the advantages of using credit cards: 1. Security and peace of mind - I hated having lots of cash in my wallet. I was constantly scared of losing it. If my wallet...
by scottyja
Thu Feb 02, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)
Replies: 23
Views: 2374

Re: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)

We took our family of three boys twice on Spring break. Once to Arches NP when they were pretty young and then when high school age to Vegas/Zion/Grand Canyon. Weather was nice for hiking by later March. These are all beautiful areas, especially in the Spring. Just know that you can get great late-...
by scottyja
Tue Jan 31, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold rental, TurboTax thinks we made money

I was able to get TurboTax to do it correctly, but I had to manually override some values which caused TT to say it no longer guaranteed the return was accurate. I ended up hiring an accountant to do the tax return and he came up with similar numbers, but I had the piece of mind it was done correctl...
by scottyja
Tue Jan 31, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Building Forever House - Can we afford it? Should We?
Replies: 22
Views: 2662

Re: Building Forever House - Can we afford it? Should We?

I have a sister that's in her fourth "forever home". I say go for it if you can afford it, which is looks like you can, but don't be surprised when life throws you a curveball! Forever is a long time and often what you want right now will be vastly different in 10, 15 or 20 years, and that...
by scottyja
Tue Jan 24, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: NC 401(k) Plan - Brunswick County. Enrolled in Goalmaker investment portfolio (aggressive)
Replies: 37
Views: 1929

Re: My employer only matches 5% of my salary in my company 401k

I realize I'm nit-picking, but I don't view this as free-money. It's part of the employee's overall compensation, it's just a portion that the employee can choose not to take advantage of. I don't view it any different from my salary or my health benefits. But I do see the point that it's free in th...
by scottyja
Tue Jan 24, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: NC 401(k) Plan - Brunswick County. Enrolled in Goalmaker investment portfolio (aggressive)
Replies: 37
Views: 1929

Re: My employer only matches 5% of my salary in my company 401k

That seems pretty standard with other companies I've seen. My company does 4% match on a 5% contribution, but I also have a pension on top of that. Regardless, I would always take advantage of the matching, even if the amount is small - it's not "free money", but it's certainly part of you...
by scottyja
Mon Jan 23, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Experience replacing resin in water softener?
Replies: 7
Views: 1346

Re: Experience replacing resin in water softener?

Question: Is there a way to test the hot water to determine if it's no longer soft or is it just a "gut feel" thing? There are only two persons in the house and the softener runs 2x per week. There are some easy, do-at-home tests to see if you have hard water, but if you want semi-accurat...
by scottyja
Sun Jan 22, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Experience replacing resin in water softener?
Replies: 7
Views: 1346

Re: Experience replacing resin in water softener?

Messy is right! I appreciate the feedback. It was definitely messy, but it was also a relatively painless project and saved me a couple hundred dollars. The hardest part was getting the valve head off, which took two people (one to just hold the tank while the other got the head to unscrew). The res...
by scottyja
Thu Jan 19, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Experience replacing resin in water softener?
Replies: 7
Views: 1346

Experience replacing resin in water softener?

Anyone here have personal experience replacing the resin in a water softener? I can buy the materials locally for around $130, but local plumbers are asking $300-$400 for the job. I've seen some youtube videos, and it doesn't look too bad, but would love to hear any "did it, it was easy" o...
by scottyja
Thu Jan 12, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2507

Re: downhill skiing

I think technology improvements in the skis and bindings have made the sport safer and more accessible. I have a neighbor in his mid-80's that skis a couple of times a week all season long.
by scottyja
Tue Aug 02, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 12800

Re: Suckered into Marriott Kauai Timeshare Presentation

I had a friend attend one of these in Mexico. He did his research beforehand and got a list of all the company's properties. He then compiled a very selective bucket list of everywhere he and his wife wanted to visit in their lifetime. He ensured nothing on his top 10 was covered by the company's pr...
by scottyja
Tue Jul 19, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 8949

Re: HOA Swimming Pool Trespassing Issue

I would do this as a teenager - we never vandalized anything and were quiet, as to not get caught, but had a favorite condo complex with a nice hot tub. One night, my friends and I were sitting in the hot tub enjoying ourselves when a spray of ICE COLD water came out of the bushes and down on our he...
by scottyja
Sun Jul 03, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 10380

Re: synthetic oil changes

I change at 50% of the maint minder #, syn oil only. The old oil is recycled so it's not very harmful. I do the oil changes myself (easy peasy). Just curious - if you change (and reset) at 50% for the maintenance minder, how do you know when other service is due? For example, we just hit the 105k m...
by scottyja
Sun Jun 12, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 4031

Re: 3 Row SUVs - Help Educate Me

We're in the same situation, and I found that the 3rd row legroom differs a lot model to model. The Pilot/Highlander was top of our list until we test drove one - I think even an older child would have difficulty sitting in the 3rd row comfortably. We loved the Sequoia, except for the gas mileage. T...
by scottyja
Mon Mar 21, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Ethernet Wired Home - Advice
Replies: 24
Views: 2277

Re: Ethernet Wired Home - Advice

I wish more homes had this. I don't think it's difficult to set up at all. What you want to do is figure out where all of the wires meet - likely a closet or basement area. It's easiest if it's near where you're cable/fiber/DSL internet comes into the home. If it is, all you really need to do is pur...
by scottyja
Wed Feb 10, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 6337

Re: Best Car for Family of 5?

Along the same lines of a highlander, we bought a 4runner with a 3rd row seat as we have 3 kids. With the 3rd row up there is very little cargo space. We have considered putting a cargo rack on top but have not yet. We were thinking the same thing with a Honda Pilot - using a cargo box on top for e...
by scottyja
Thu Jan 28, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 3661

Re: Most efficient way to improve my writing ability?

Jimmy, I found myself in your situation when I enrolled in my master's program. I improved quite a bit, but consider myself firmly in the awful turned passable group Rupert spoke of. I agree with the advice that's been offered, and would add only a few bits. I found it wasn't enough to simply read a...
by scottyja
Fri Jan 22, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, TurboTax thinks we made money

an_asker wrote:PS: OP needs to change the subject - IRS has not made any comments on his issue. It is his/her tax software that is complaining.


I agree - now updated.
by scottyja
Fri Jan 22, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, IRS thinks we made money

The OP is required to use lower of FMV or costs to determine depreciable basis, however, this is different for determining gain or loss. When determining a loss you use the conversion value minus depreciation. When determining gain you use original cost minus depreciation. Using real numbers lets a...
by scottyja
Fri Jan 22, 2016 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, IRS thinks we made money

OK, I've re-read everything and I think I have a better handle on what you have all been trying to explain. This document and this site have helped clarify for me. I think I was confusing the adjusted basis used to determine a gain/loss with the basis used to determine depreciation. The way I (now) ...
by scottyja
Thu Jan 21, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, IRS thinks we made money

First, thank you all for the prompt responses. The consensus seems to be overwhelming that I should (and should have) sought out a CPA/EA. So now the search for a good CPA familiar with this type of situation starts. Since you sold at a loss , your basis in the gain calculation is = to your deprecia...
by scottyja
Thu Jan 21, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, IRS thinks we made money

Yes, what about the land? The depreciable basis is for the building. The sale price is for the building and land. Did you tell IRS you had a total basis of $200k, of which $50k was the land? Or did you say the depreciable basis was $200k? Those numbers were provided by the property tax statement, I...
by scottyja
Thu Jan 21, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, IRS thinks we made money

jjface wrote:Quick question - how do you know the IRS is saying it is a gain? Did you file really early and are you under audit already? Or was this just an informal discussion?


I'm going through the process now via TurboTax - I haven't filed anything yet.
by scottyja
Thu Jan 21, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Re: Sold home, IRS thinks we made money

Why did you use that basis number? This is the lower of your adjusted basis in the residence at the date of conversion (purchase price plus qualified capital improvements), or the fair market value of the property at the time of conversion. Yes, that's exactly why I used that number. We were consid...
by scottyja
Thu Jan 21, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sold rental, TurboTax thinks we made money
Replies: 35
Views: 4506

Sold rental, TurboTax thinks we made money

I'd appreciate any help on this - it's tax time and I need a sanity check before I send the IRS a big check (numbers changed for simplicity). Wife and I lived in State A in 2005 and bought a house for $350,000 with $100,000 down payment (equity from the condo we sold and moved from). The real estate...

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