Search found 119 matches

by Uniballer
Tue May 22, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 659

Re: Roth IRA contributions during semi-retirement?

I talked my MFJ 80-ish parents into contributing all of their earned income last year, ~$10k, into their Roths.
by Uniballer
Mon Apr 23, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Shrub removal - Village/HOA permits needed?
Replies: 11
Views: 907

Re: Shrub removal - Village/HOA permits needed?

Actually, products that contain triclopyr are a lot more effective than glyphosate against woody plants.
by Uniballer
Fri Apr 13, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 1716

Re: Should I insulate my garage?

An attached garage will gain heat from the house (even through the insulation).

Although I open my insulated-but-unheated attached garage to get the car in/out, it remains above freezing all winter, even when it is below zero degrees F outside.
by Uniballer
Sat Apr 07, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 4700

Re: What is Megacorp?

[ Yes, Acme is known for its incredibly broad product line. Their biggest challenge is that they are very dependent on one customer for the bulk of their revenue. :beer Also most of their stuff failed spectacularly and always at the most critical moment. :) Any Acme engineer would tell you that Mr....
by Uniballer
Sat Mar 31, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Old Guys Investing
Replies: 21
Views: 3196

Re: Old Guys Investing

You may think so now, but what if the inflation rate increases even faster than the interest rates?
by Uniballer
Sun Mar 11, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 27
Views: 2835

Re: Sump Pump Issues - What can I do, if anything?

Beyond that, I probably should get myself a battery backup to avoid water in my basement in the event of sump failure or extended power loss. These do work, but the battery might be depleted in an extended power outage. If you have city water pressure, and you expect it can be maintained during a w...
by Uniballer
Sat Mar 10, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 6730

Re: Whole House Natural Gas Generator

Beware the concept of batteries for extended power outage backup. This is likely to cause the same problem now experienced by some sites that use a whole-building UPS for power backup without an on-site generator. Once the batteries are depleted they must be recharged before they can sustain power d...
by Uniballer
Fri Mar 09, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: 8 mil loss on 1099...
Replies: 35
Views: 5875

Re: 8 mil loss on 1099...

Just remember that getting an extension to file your return does not extend the time you have to pay any taxes due without penalties and interest.
by Uniballer
Mon Mar 05, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3781

Re: Etiquette of hanging up on live telemarketers

I have tried a few things. Sometimes it's fun to say, "I would love to talk with you about that, but I have to charge you $100 per minute, Mastercard or VISA only. What is your card number?" Sometimes they hang up. Sometimes they just laugh. If anyone attempts to give me a card number I will tell th...
by Uniballer
Tue Feb 20, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: HughesNet Gen 5
Replies: 5
Views: 755

Re: HugesNet Gen 5

Have you seen this? Positive Thoughts on Hughesnet
by Uniballer
Sun Feb 18, 2018 12:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 408
Views: 42753

Re: Your USER NAME...what does it mean?

beardsworth wrote:
Sat Feb 17, 2018 8:01 pm
I assume that, out of a wish to be consistent, this is your preferred handwriting instrument? :)

https://www.amazon.com/uni-ball-Vision- ... B00006IE8J
Naaah. I try not to hand write anything that involved... Black Sharpie for me.
by Uniballer
Fri Feb 16, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pre- vs post-tax saving: Am I thinking it wrong?
Replies: 25
Views: 1821

Re: Pre- vs post-tax saving: Am I thinking it wrong?

Note that the contribution limit for traditional IRAs and Roth IRAs is the same, but that this amount does not include the tax on the Roth contribution, whereas this is pre-tax on the traditional. So a Roth contribution of $5500 is worth more on day 1 than a traditional contribution of $5500 (on whi...
by Uniballer
Thu Feb 08, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Scrapping old computer parts
Replies: 25
Views: 1810

Re: Scraping old computer parts

Ask if anybody is interested over at Vintage Computer Forum - Marketplace? Just be aware they will want detailed lists and maybe even pictures.
by Uniballer
Tue Feb 06, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6228

Re: Washer/Dryer longevity ?

When my wife complained that our 1990 Maytag gas dryer wasn't working very well I found that it was cycling on the hi-limit, and replaced the thermostats. I have also replaced the gas valve coils and blower wheel. I have only had to replace the bleach hose on the matching washer. I am in no hurry to...
by Uniballer
Sun Feb 04, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 11072

Re: Is it Safe to Get Your DNA Tested?

aristotelian wrote:
Thu Jul 06, 2017 2:32 pm
DNA testing is perfectly safe...if you don't mind meeting a younger cloned version of yourself walking down the street. What could possibly go wrong?
How would you resolve an identity theft case when the two claimants have identical DNA?
by Uniballer
Sat Feb 03, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale
Replies: 11
Views: 850

Re: Wash Sale

One's an ETF, the other's a Mutual Fund. Doesn't sound substantially identical to me... Really? They have identical holdings and expenses, and pay identical dividends. I know this is a matter of opinion because the IRS has not provided sufficient guidance, but I think that covers "substantially ide...
by Uniballer
Sat Feb 03, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale
Replies: 11
Views: 850

Re: Wash Sale

How about if you sold VTSAX at a loss (in taxable), and had dividends automatically reinvested in VTI (in a Roth) within 30 days? I think that is pushing it even though the CUSIP numbers are different.
by Uniballer
Sun Jan 28, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone own gold?
Replies: 25
Views: 2236

Re: Does anyone own gold?

This is discussed every week or two. Not very productive.

google site:bogleheads.org physical gold
by Uniballer
Fri Jan 05, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 8
Views: 616

Re: How much life insurance?

Worst case scenario? One or both of you dead or disabled and Little Badger needs to get through childhood, college, etc. How much money would that take?
by Uniballer
Mon Jan 01, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Outbuilding Height For Resale - 10ft or 14ft
Replies: 11
Views: 1111

Re: Outbuilding Height For Resale - 10ft or 14ft

Depending on use, maybe he doesn't have to heat the whole building to a high temperature all the time. E.g. a typical large auto shop typically has an office and bathrooms that are heated conventionally, and the service area is generally taken care of with radiant heating equipment, mainly when peop...
by Uniballer
Sun Dec 31, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Placing an order to buy VTSAX, at what price will the transaction be executed?
Replies: 21
Views: 1691

Re: Placing an order to buy VTSAX, at what price will the transaction be executed?

In my experience, ff you cancel the order early in the trading day, it should be cancelled. If you wait too long (some unspecified time, probably in the afternoon) you will not be able to cancel. I assume this is because Vanguard starts buying/selling shares before market close for orders that it kn...
by Uniballer
Sun Dec 31, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with wife's 403b
Replies: 8
Views: 454

Re: What to do with wife's 403b

Have you managed to figure out how things will change with the new tax law? I wouldn't roll the 403b over until you know how you will make out with the Roth limit in 2018 and beyond.
by Uniballer
Sun Dec 31, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 7049

Re: Individual Stocks That Went Bust

I guarantee that the list of individual stocks that haven't gone bust is shorter.
by Uniballer
Thu Dec 28, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k how to reduce or eliminate fees
Replies: 12
Views: 896

Re: 401k how to reduce or eliminate fees

Don't forget that having a big traditional IRA (e.g. from rolling over an old 401K) can be a big impediment to the back-door Roth maneuver.
by Uniballer
Thu Dec 28, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1343

Re: Think Home might have Asbestos (what to do?)

If the material is falling apart, flaking, etc. then you will need professional help removing it. But, depending on state and local laws, you might be able to cheaply remove it yourself as the owner if the material is not friable.
by Uniballer
Mon Dec 25, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1735

Re: Basic questions about having your own website

Remember when domain names were run by SRI for free (as the NIC)? Then Network Solutions, Inc took it over (and the name became InterNIC ). Now ICANN has the responsibility, but everybody finds and pays their own registrars... I have been using NameCheap.com for DNS for the last few years. Just a cu...
by Uniballer
Mon Dec 25, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Large insurance settlement
Replies: 4
Views: 1023

Re: Large insurance settlement

They will probably be offered a tax-free annuity, as well as a lump sum offer, and perhaps even a hybrid. The annuity is cheaper than the lump sum for the insurance company.
by Uniballer
Sun Dec 24, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Intentionally realize gains to offset large loss carryforward?
Replies: 8
Views: 859

Re: Intentionally realize gains to offset large loss carryforward?

How big is the loss your in-laws are carrying forward? Can they reasonably expect to offset all of it with income at $3K per year? If not, some tax gain harvesting may be in order. If the market continues to go up before the securities are sold then this will reduce the capital gains. If the market ...
by Uniballer
Wed Dec 20, 2017 3:16 am
Forum: Personal Consumer Issues
Topic: solar power generation
Replies: 9
Views: 1188

Re: solar power generation

Make sure you get realistic up-to-date quotes for what it would cost to connect to the grid. The costs of generating and storing your own power are coming down, but long-term maintenance costs (e.g. eventual panel and battery replacement) should be factored in before you compare to the costs of conn...
by Uniballer
Wed Dec 20, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Taking out a 401k loan to pay down debt
Replies: 12
Views: 1592

Re: Taking out a 401k loan to pay down debt

Hidden Costs of 401K Loans
vs
Sometimes It Pays To Borrow From Your 401K

What are the interest rates of the CC debt and 401K loan? Does it really cash flow that much better? Show us your analysis.
by Uniballer
Wed Dec 20, 2017 2:39 am
Forum: Investing - Help with Personal Investments
Topic: I read on a different forum that for Vanguard if you have over 10k in an account you can make them admiral shares
Replies: 9
Views: 1817

Re: I read on a different forum that for Vanguard if you have over 10k in an account you can make them admiral shares

Don't you think that it is a bit disingenuous to suggest that VBIAX (Vanguard Balanced Index Fund) is an equivalent investment to VASGX (Vanguard Life Strategy Growth)? Yes, the ER is lower, but VBIAX is 60/40 US stocks/bonds and VASGX is 80/20 (48.6/31.7/13.9/5.8 US/International stock/US/Internati...
by Uniballer
Sun Dec 17, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Diversification: Is there any way to produce the same returns with less risk?
Replies: 52
Views: 5654

Re: Diversification: Is there any way to produce the same returns with less risk?

Maybe. See Larry Swedroe's book, "Reducing the Risk of Black Swans: Using the Science of Investing to Capture Returns With Less Volatility" for one way to approach this. The book is pretty convincing for the time period on which it backtests the strategy. Nobody can say if this will really work over...
by Uniballer
Sat Dec 16, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 4117

Re: Buy home with structural issues

Does your purchase contract say anything about a "substantial change in condition" of the property (or something like that)? Have you discussed this matter with your lawyer?
by Uniballer
Sun Dec 03, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do QCDs relate to RMDs?
Replies: 22
Views: 1565

Re: How do QCDs relate to RMDs?

Advantages to taking QCD over a donation from a taxable account: - I may not have enough itemized deductions to get a tax break from the donation - Medicare premiums (IRMAA) are based on AGI (actually on MAGI), not on taxable income - FAFSA (student aid applications) are based on AGI - others? Yeah...
by Uniballer
Sun Dec 03, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Taxable?
Replies: 10
Views: 999

Re: Index Funds in Taxable?

So just to make sure I understand most of the sentiment so far, the Schwab Total Market is okay, but the LS fund is where the issue is? Yes, because the taxable bonds in the LS fund throw off dividends that are taxed at the ordinary income rate. So it is less tax efficient than non-taxable bonds or...
by Uniballer
Sun Dec 03, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: cash out pension or no?
Replies: 9
Views: 1282

Re: cash out pension or no?

Will the pension get adjusted for cost of living increases (COLA)? If you take the lump sum at 60 and live for 30 more years, and there is no COLA, then the simulation I ran says you have about an 83% chance of doing as well or better with the lump sum than with the pension (I ran a Monte Carlo simu...
by Uniballer
Sun Nov 26, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Gold?
Replies: 64
Views: 4772

Re: Gold?

livesoft wrote:
Sun Nov 26, 2017 1:25 pm
There are probably saner things to have around than gold for when bad things happen.
You can mold gold into bullets, assuming you have powder, casings, primers and a reloading setup. Just saying.
by Uniballer
Sat Nov 25, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 8952

Re: Too much house, right?

Why is the lot vacant if these are in such great demand? Is there something wrong with it (floods seasonally, bad roads leading to it, hazardous waste, Indian burial ground :) , etc.)? What utilities are available at the road? E.g. electric, natural gas, water, sewer, broadband cable/fiber Internet....
by Uniballer
Sat Nov 25, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Break up target date fund for more control?
Replies: 11
Views: 1085

Re: Break up target date fund for more control?

If your Target Date 2055 has a reasonable asset allocation then there is very little reason to change. Whose fund is it, or what does it invest in? In my opinion, when you start having taxable investments and want to organize them for best tax efficiency is the time when you will really benefit from...
by Uniballer
Fri Nov 24, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4800

Re: Public or Montessori Private School

I know this doesn't directly answer the OP's question, but this is an attempt to inject actual data into the discussion. I am married to a public school teacher (28 years in the 4th grade). She says that, to date, despite the fads that mandate changes in educational techniques every few years, there...
by Uniballer
Mon Nov 20, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 1457

Re: Temperature setting for radiant floor heat

So you're pumping a lot of heat into the tubing under your kitchen floor, but it isn't making your kitchen very warm. What is under the kitchen floor (e.g. basement or crawlspace)? Did you install insulation below the tubing to make sure the heat goes up into the kitchen?
by Uniballer
Sun Nov 12, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Borrowing against portfolio for home down payment
Replies: 12
Views: 1677

Re: Borrowing against portfolio for home down payment

I was under the impression that part of the reason for PMI below 20% down payment is that you have no "skin in the game", and are more likely to walk away (AKA default). I can't imagine a mortgage lender looking at you with a loan for the down payment as equivalent to somebody who had it in cash. Su...
by Uniballer
Fri Nov 10, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 55
Views: 4705

Re: Home backup generator experiences

A plus for running propane over NG is that you will get the full 20KW out of the genset rather than a 20% reduction (e.g. 18KW) using NG. I think that is one of the reasons why Generac came out with the 22KW unit, even though it uses the same two cylinder engine in order to pump up the NG output. W...
by Uniballer
Fri Nov 10, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4631

Re: Septic tank - deal killer?

I have a 4 bedroom house built around 20 years ago with a 1750 gallon septic tank. The county health department says I should pump the tank out every two years, but the guys who pump it say that every 5 years is fine with only two people living in the house. I think I paid around $250 to have the ta...
by Uniballer
Fri Nov 10, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 1155

Re: Tankless Water Heaters

I've seen those installed too. It requires a whole separate water pipe though which would be hard to run in many homes. Actually, if you watch that video I linked to the end you will see that it is possible to run a point-of-use recirculation pump using the existing hot and cold water lines. So the...
by Uniballer
Fri Nov 10, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 1155

Re: Tankless Water Heaters

I have a friend who has a whole-house gas-fired tankless water heater. She likes it, except that it is a long way from her kitchen, and might not come on if she only wants a trickle of hot water (tankless units need a minimum flow rate to start heating). So she had a mini-tank electric water heater ...
by Uniballer
Fri Nov 10, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 55
Views: 4705

Re: Home backup generator experiences

When we were building a house in a rural area we talked about this stuff. The electric feed to our house is underground, so if there is power at the road then we are OK. We have a 30k BTU natural gas fireplace with a pilot light (aka backup heat). Gas range (can cook on the stove top without electri...
by Uniballer
Thu Nov 02, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: taxable account investment ideas
Replies: 5
Views: 803

Re: taxable account investment ideas

My favored option would be to sell stock funds in your tax-deferred account and buy them the same day in your taxable account. Then buy bonds in your tax-deferred account. This has several advantages over holding municipal bonds in your tax-deferred account. 1. Gains in your taxable account will (ev...