Search found 829 matches

by Big Dog
Tue Oct 16, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 25
Views: 1136

Re: Sneakers with good arch support

ASICS Kayano's are great; shoes that are marked for Motion Control or at least Stability will have a more arch support and will minimize pronation (roll-in of the foot while it flattens out).
by Big Dog
Mon Oct 15, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 185
Views: 10048

Re: Talk me out of buying a Tesla Model 3

I live in an attached townhome and I just learned that the main breaker feeding my unit is only 70A (I'd assumed it was 100A).
Ask about adding a sub-panel which feeds the EV only. (That's what we did for our M3.)
by Big Dog
Mon Oct 15, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 41
Views: 3114

Re: Not convinced with insurance

IMHO people on this board are way too conservative on insurance. I was once reprimanded by a BH for having the temerity to suggest that a single 20 year old with no dependents had no need for life insurance, Uh-oh, I have told my 20-something kids that exact same thing, (including one who just got ...
by Big Dog
Mon Oct 15, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4814

Re: Is it worth filing FAFSA even if you know you'll get nothing?

At my undergrad, you were not eligible for work study jobs unless you had completed a FAFSA. Those jobs weren’t need based, Generally, work study IS need-based. Its a federal program which reimburses the college 2/3rds of the wage paid, and the federal program is designed for low income kids. I sta...
by Big Dog
Sat Oct 13, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 34
Views: 1693

Re: Kaiser or CareFirst

We are very close to several Kaiser facilities (5 minute drive to one and 10-15 minute drive to another).
How close is the nearest Kaiser hospital? If within reasonable driving distance, Kaiser can be excellent.
by Big Dog
Sat Oct 13, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5328

Re: Weigh in on our Marital Argument =)-- HCOL edition

how are the local schools, particularly the high schools? (One reason why the burbs are so expensive is the reported quality of their schools.) As an aside, are you within the locale for the NYC income tax? Can you move outside the NYC boundary to not be subject to it? That being said, I'd vote for ...
by Big Dog
Fri Oct 12, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1710

Re: Census

The census bureau also collects data between the deciles. For example, they do s short survey at the 5-year mark. They also collect data for local communities every so often. I remember receiving a paper ver of this Community survey about 10 years ago. But as always, better to be safe than sorry. ht...
by Big Dog
Fri Oct 12, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 185
Views: 10048

Re: Talk me out of buying a Tesla Model 3

Grats. We have 2 M3's and love them.
by Big Dog
Fri Oct 12, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4814

Re: Is it worth filing FAFSA even if you know you'll get nothing?

you also need to complete fafsa if you decide that you want your kid to take out federal loans, to have skin in the game so to speak.
by Big Dog
Thu Oct 11, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: If I retire to a State that has no State taxes...
Replies: 46
Views: 7299

Re: If I retire to a State that has no State taxes...

If I live in CA for 6 months and move to NY for 6 months both states will expect a part year return and taxes on income earned in their respective state, right? Correct. You just allocate income to the state in which you resided when you earned that income. And you file state tax returns in both CA...
by Big Dog
Thu Oct 11, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5969

Re: Just Divorced -- Need Help

I'd be looking for the lowest interest rates until March.
by Big Dog
Thu Oct 11, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tax loss harvesting bond funds?
Replies: 12
Views: 1047

Re: Anyone tax loss harvesting bond funds?

thanks, all. I'll probably just leave it in the Fed MMF.
by Big Dog
Thu Oct 11, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tax loss harvesting bond funds?
Replies: 12
Views: 1047

Re: Anyone tax loss harvesting bond funds?

rookie question: if one is in a tax-free fund like the vanguard California Tax Exempt (VACDX), is tax loss harvesting even doable?
by Big Dog
Wed Oct 10, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: If I retire to a State that has no State taxes...
Replies: 46
Views: 7299

Re: If I retire to a State that has no State taxes...

However, some states have very stringent requirements for you to be no longer considered a tax resident. Two examples of this are CA and NY. CA is not that stringent. Just move and do the normal things that you would do anyway, e.g., get a local driver's license and bank account, register car and t...
by Big Dog
Tue Oct 09, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10152

Re: Argument for taking social security before 70. Comments?

here's another longevity calculator, the type used by insurance companies. Run the basic first, and then run the 'more precise' estimate based on height, weight, bp, and the like. For me, it was a yuuuuge difference. P.S. Don't forget that the SSA calculator is unisex. https://rslic.metlife.com/lic/...
by Big Dog
Mon Oct 08, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: Life insurance theory
Replies: 11
Views: 1015

Re: Life insurance theory

I have a life insurance license, but don't sell much life insurance, mainly because the vast (99%) of people only need term (or group) coverage, and they can almost always get that through an employer,.... Since insurance generally goes away when one leaves teh employer, it is still a good idea for...
by Big Dog
Mon Oct 08, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2135

Re: FAFSA questions

The parent's assets are not as important, and in fact my assets never counted into the EFC, since the bulk of my assets are in my place of residence... Depends on your equity. The feds exclude home equity from FAFSA, but private colleges generally include it: ~5.6% of home equity against financial ...
by Big Dog
Mon Oct 08, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2135

Re: FAFSA questions

That's a good point. So, if we have outstanding property taxes coming due later this month, I can subtract that amount. No you cannot, unless you wait to submit until AFTER you pay the taxes. The FAFSA is a point in time. If you submit today, the numbers should match what is in your (online) bank &...
by Big Dog
Thu Oct 04, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2058

Re: AARP UnitedHealthCare Plan G

Since the F plan will be closed to those who turn 65 after 2020 the rates may be more stable since the plan wont have to accept all comers in guarantee issues scenarios regardless of health like the plan G will continue to do. Except that you are forgetting that Plan F will lose all the younger (65...
by Big Dog
Wed Oct 03, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11730

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

any claim would be against the home inspector if they failed to check the ac & furnace. Moreover, you are definitely not liable for a complete new unit. heck, 'stopped working' could have just been a blown fuse. you sold a house with a used XX years old air conditioner unit, not a brand new AC unit,...
by Big Dog
Wed Oct 03, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Did Jeff Bezos just pull a Henry Ford?
Replies: 32
Views: 2523

Re: Did Jeff Bezos just pull a Henry Ford?

Amazon will not benefit unless it is successful in establishing a federal minimum wage that competitors and mom and pop stores can't compete with. That's the crazy like a fox part. Walmart supports higher minimum wages, too. It drives out competitors who can't compete. Bingo! Nothing more than Big ...
by Big Dog
Sat Sep 29, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10618

Re: SEC charges Musk with Fraud!!!

"I don't think he wanted to be punished at all, in any way. That doesn't strike me as very mature." No, his disagreement with the SEC specifically, if you believe him, was that he didn't like the implications some of the language ("misleading investors" vs "careless negligence") of the settlement a...
by Big Dog
Sat Sep 29, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4496

Re: College Student Performance Issues

I personally would not pay for college socializing. I told my kids that they could work hard at a sleep-away college, or live at home and attend a community college. Their choice. Now the LD is another issue, so my ultimatum would be: get you butt over to the counseling center to get some help to cl...
by Big Dog
Thu Sep 27, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3451

Re: Good flip flops

recently picked up a pair of Puma 'slides' at Costco (on sale, natch!). Much better than flip flops for this guy who pronates. Also, enables me to walk around with no pain as broken toe heals. Great cushioning.

Of course, not really flip flops, but for ~$15, you might check them out.
by Big Dog
Wed Sep 26, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5946

Re: Oil change interval for low-mileage vehicles

once a year for that low mileage. Oil also degrades over time.
by Big Dog
Tue Sep 25, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: CA Resident - What Vanguard Bonds in Taxable Account?
Replies: 7
Views: 987

Re: CA Resident - What Vanguard Bonds in Taxable Account?

You can buy up to $10,000 per person from Treasury Direct.
IMO, that's a lot of work for such a small % of the OP's portfolio.
by Big Dog
Tue Sep 25, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1740

Re: Employer says no to relocation as employee, should I offer to be contractor?

why not transfer to the (northern?) New York office and rent/buy a place in VT? However, your employer would be subject to Vermont employer taxes & unemployment tax and they might not want to assume that liability and paperwork hassle. As to your original question, no, you cannot do the same job and...
by Big Dog
Tue Sep 25, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Don't Fear the Reaper (RMDs) - White Coat Investor blog post
Replies: 65
Views: 7528

Re: Don't Fear the Reaper (RMDs) - White Coat Investor blog post

Try to avoid/minimize/defer dividends and interest income (or switch to tax deferred muni interest etc).
+1.
by Big Dog
Tue Sep 25, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1406

Re: Non-spousal Inherited IRA

I have a non-spousal inherited IRA. The RMD calculation is trivial because Fidelity or Vanguard or whoever will do the calculation for you. +1. Ditto, I used Vanguard, and even tho my inherited IRA is really small, I'm just holding onto it until my tax rate declines. No sense paying out 25% to the ...
by Big Dog
Tue Sep 25, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 50
Views: 6510

Re: DIYers Taking a Toll

He warned me that anyone can do well with index investing in a bull market but when/if it changes indexers will get crushed. Seems to me indexing in a broad market is your safest bet against a down market. Ask Harvard how well active management has worked out for them..... https://www.bloomberg.com...
by Big Dog
Tue Sep 25, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

outside of a rare sore bicep for a few hours, never had a reaction to a flu shot. Been getting them for years, as has my family.

But some people do have a reaction. Definitely ask your doctor first.
by Big Dog
Tue Sep 25, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4792

Re: 2019 ACA prices out

I wonder why the prices keep going up? Assuming that this was a serious question, the short answer is that there is no check on costs. The ACA was intended to also control costs, but there is little in the law to do so. Providers can just continue to raise rates each year. And of course, pharmaceut...
by Big Dog
Mon Sep 24, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1751

Re: HVAC Options -- Any advice?

1) I don't think any companies in this area will do a Manual J calculation; certainly none that I could find. Manual J is not rocket science, it just takes time. But more importantly, a Manual J is recommended by the professional HVAC associations (link posted earlier). All contractors in the biz k...
by Big Dog
Mon Sep 24, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Where are the hybrid or fully electric two seater commuting vehicles?
Replies: 44
Views: 1924

Re: Where are the hybrid or fully electric two seater commuting vehicles?

Why is the smallest available electric car a four or five seater when 90% of commuted miles are driven alone? Perhaps what you are asking about is a niche market? Even tho the masses are solo commuters, they still want the flexibility to be able to take the whole family to the park, beach, mountain...
by Big Dog
Sun Sep 23, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1393

Re: What investment company does your employer use?

Ascensus-Vanguard. Vanguard uses Ascensus for small plan administration. They were great.
by Big Dog
Sun Sep 23, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon
Replies: 21
Views: 2532

Re: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon

in addition to the State PUC, you might also check with your local city hall. (Our internet service provider was approved by the city and the city requires that they meet certain standards and customer protections for the right to serve the city. If they receive a bunch of complaints, their contract...
by Big Dog
Sat Sep 22, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Non-Filing of IRS Form 990: How to Rectify
Replies: 4
Views: 629

Re: Non-Filing of IRS Form 990: How to Rectify

yikes, that is a Board that I would never join, at least until after all paperwork was certified complete. Does your board have Director's errors and omissions insurance? But in answer to you question, you probably should contact legal counsel who speicalizes in HoA's that are non-profits. btw: in a...
by Big Dog
Sat Sep 22, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2085

Re: Another job interview ‘skip the tie’ question

Tech company? Start up? PNW? No tie. No suit.

sportcoat, open collar shirt will be more than dressed. He can take off the sport coat and throw it on a chair.

(this is a no-brainer.)
by Big Dog
Sat Sep 22, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1895

Re: When is it OK to not go through car insurance after you've been hit?

to avoid any potential awkwardness, it wouldn't hurt to take it to the dealer and get a quote. (A dealer will be sure to look for anything and everything that they can fix.) Then tell her how much it is to fix it. If she wants to give you a check on the spot, great. Otherwise, suggest that you both ...
by Big Dog
Sat Sep 22, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1751

Re: HVAC Options -- Any advice?

A separate manual D figures out how large the ducts should be but practically speaking that is for new construction. Perhaps you are correct, but i mention it bcos contractors who built "back in the day" could throw up a lot of mismatched equipment, typically over-sized (as you noted). OTOH, there ...
by Big Dog
Sat Sep 22, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1751

Re: HVAC Options -- Any advice?

to my knowledge the compressor that you list is a single stage. You cannot make it into a two state by adding a two-stage blower. So, even if you upgrade the heat to 2-stage, the ac would still be 1-stage. To me, that combo makes no sense. If you want to added comfort from a multistage furnace, I'd ...
by Big Dog
Sat Sep 22, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1297

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

The SHIP person will just be searching out the lowest current premium using quoting engines from the medicare website or state insurance website and these are not always up to date. As you say, cashmoney, 'maybe, maybe not'. When I spoke with our local SHIP guy, he mentioned the last three years of...
by Big Dog
Fri Sep 21, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1297

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

I asked him if he acted as a fiduciary, and he said that he accesses all of the insurers, and is paid the same commission by each, so he has no biases. In a former life, I spent ~7 years doing benefits work for a Fortune 15, so I understand the ins and out of medical care well. When I contacted a l...
by Big Dog
Wed Sep 19, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Are dues for musical 5013(c) deductible (charitable)?
Replies: 1
Views: 190

Re: Are dues for musical 5013(c) deductible (charitable)?

the 501c3 should give you a donation letter if the amount is deductible: 'thank you for your dues of $xx, of which $yy maybe deductible on your federal tax return.' Alternatively, 'Thank you for you check of $xx.xx. Ms. Beaver received no goods or services for this check.'
by Big Dog
Tue Sep 18, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25165

Re: What is your single most expensive mistake?

not buying BRK when it was $5800. (I had a buy order in at $5750, but....)
by Big Dog
Tue Sep 18, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Tesla Refund
Replies: 19
Views: 2395

Re: Tesla Refund

as soon as I read the OP, I knew it was a PayPal issue. As an Tesla owner, I frequent the Tesla blogs and the only folks that have reported an issue with a deposit refund was bcos they used PayPal or other payment system, and not a personal credit card. Those that used a personal credit card receive...
by Big Dog
Tue Sep 18, 2018 11:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 24
Views: 2856

Re: Jack Bogle Bobblehead

I;m in
by Big Dog
Sat Sep 15, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2589

Re: Solar Install w/ SolarCity

19k kWh seems like a lot of juice. How big is your house? Electric heat/heatpump?
by Big Dog
Sat Sep 15, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3867

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

or get yourself a swiffer and 'dust' a couple of times per week. Other than that, it should be maintenance free. If you want to shine it up, put on a couple of coast of Mop 'n Glow. If you swiffer frequently, and take off your shoes, the shine will last several years.