Search found 110 matches

by Uniballer
Tue Feb 20, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: HughesNet Gen 5
Replies: 5
Views: 582

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: 403
Views: 38986

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: 1674

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: 24
Views: 1353

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: 5796

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: 84
Views: 9644

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: 779

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: 779

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: 2054

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: 521

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: 1044

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: 1396

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: 412

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: 6630

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: 842

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: 1200

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: 1632

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: 982

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: 793

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: 1131

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: 1500

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: 1719

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: 5300

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: 3839

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: 1455

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: 836

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: 1216

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: 4408

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: 8681

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: 10
Views: 819

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: 4612

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: 1324

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: 11
Views: 1396

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: 51
Views: 3209

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: 4431

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: 1063

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: 1063

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: 51
Views: 3209

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: 763

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...
by Uniballer
Fri Oct 27, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: water pressure gauge
Replies: 30
Views: 1771

Re: water pressure gauge

Does anyone know how to look up elevation and the max HGL and what delta elevation means? A good topographic map will give you elevation within a small margin of error. Delta elevation means the difference in elevation between a measured point and your hose bib (or wherever you care about pressure)...
by Uniballer
Fri Oct 27, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2853

Re: RMD distribution timing

I am too young for RMDs, but I have convinced my parents to make their charitable contributions via QCDs, and then take any remaining RMD near the end of the year. The QCDs do not count as income, so it helps them to stay in the 15% tax bracket.
by Uniballer
Sat Oct 21, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Destination funds
Replies: 4
Views: 422

Re: Destination funds

Vanguard Target Retirement funds are considered a pretty good and very simple way to invest in tax-advantaged retirement accounts (e.g. 401K, tIRA, Roth...). You will probably need to break your portfolio down into separate equity and fixed income funds once you start needing taxable investment acco...
by Uniballer
Wed Oct 18, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 112
Views: 11938

Re: WPA2 protocol used by vast majority of wifi connections has been broken

One of my friend's is "Aditum Punctum LXIX" (latin for "access point 69")
by Uniballer
Mon Oct 09, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: 2018 IRA Limits Question
Replies: 3
Views: 461

Re: 2018 IRA Limits Question

The notice for 2017 was announced on October 27, 2016 (IR-2016-141).
by Uniballer
Thu Oct 05, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with In-Laws Request to Review their Portfolio from LPL Advisor
Replies: 8
Views: 928

Re: Help with In-Laws Request to Review their Portfolio from LPL Advisor

My parents used to have a taxable account (only) at LPL. They were invested all in load funds and with no concept of tax efficiency. There were no AUM fees on that account as a whole (I think $40 per trade or $30/yr if you didn't make any trades), but the funds they were sold sucked (front loads, hi...
by Uniballer
Tue Oct 03, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 4
Views: 693

Re: ROTH Question

Assuming that you are married filing jointly, then yes. Limits, as always, apply.
by Uniballer
Tue Oct 03, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 4422

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

IMO Roth money is simply more valuable than taxable: no capital gains on growth. Ever. And it costs the same to convert tIRA money to Roth as it does to put it in taxable. There's just that pesky 5 year waiting period. Granted, if you knew that you would need the money right away then putting it in ...