Search found 140 matches

by Uniballer
Wed Oct 17, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4748

Re: Kids not interested in money / allowance

At around 11, I remember my parents telling me that I had $X in "allowance credit", and did I want to use it on a better guitar or the new bike I had asked for, with the implication that I could not have both. I chose the bike. Then Mom surprised me with an Epiphone guitar a week before my birthday....
by Uniballer
Mon Oct 15, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Can't immediately exchange ETF for another? (Merrill Edge)
Replies: 10
Views: 497

Re: Can't immediately exchange ETF for another? (Merrill Edge)

There is no law as such that says that what you want is impossible. But if your brokerage won't do it, then you can't do it. I could sell an ETF and buy another using the proceeds the same day at Vanguard, but I would get the warning about it being a violation to sell the second ETF before the trans...
by Uniballer
Mon Oct 15, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5745

Re: What the heck is growing in my yard?

cheese_breath wrote:
Mon Oct 15, 2018 10:18 am
MI_bogle wrote:
Mon Oct 15, 2018 10:01 am
...I eat stuff I find in my neighborhood all the time. Paw paws, apples, oyster mushrooms, hen of the woods, morels, plums, etc...
What about by the side of the road? :D
You mean, like, Road Kill Jerky?
by Uniballer
Sat Oct 13, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7112

Re: My life saved by New subaru. Almost died.

Am I too cynical? This sounds to me like a great social media product placement ad for Subaru.
by Uniballer
Tue Sep 11, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Two and a Half Years to Start Over
Replies: 11
Views: 2029

Re: Two and a Half Years to Start Over

It doesn't sound like you have a burning desire to do something specific (e.g. I want to be a lumberjack!). So if you are just looking for more freedom then think about it some more while you put in the rest of your time to reach FI.
by Uniballer
Thu Sep 06, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to decide if a trust should be an IRA beneficiary - Is this case the Yes? or No?
Replies: 9
Views: 798

Re: Trying to decide if a trust should be an IRA beneficiary - Is this case the Yes? or No?

If his marginal tax rate is low then see if doing Roth conversions now (while he is alive and tax rates are lower) makes more sense.
by Uniballer
Thu Sep 06, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2558

Re: eBay Leaving Negative Feedback

munemaker wrote:
Thu Sep 06, 2018 12:44 pm
Maybe they changed this feedback system. I hope so.
Sellers are no longer permitted to give negative feedback to buyers. That solves your problem, but does not address the situation of "buyers" who are trying to scam innocent sellers.
by Uniballer
Thu Sep 06, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Are the stock market movements really random?
Replies: 37
Views: 2894

Re: Are the stock market movements really random?

The folks who really examine the data say that the price movements are not random, not independent, and do not match a standard distribution. See, e.g. The (Mis)Behavior of Markets by Benoit Mandelbrot. I thought the talk he gave at Microsoft was pretty good (available on YouTube here).
by Uniballer
Thu Sep 06, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2558

Re: eBay Leaving Negative Feedback

The purpose of negative feedback is to identify "bad actors" who do not want to provide the value that they seem to be promising. So if you buy something, and it arrives broken, and the return and a refund go through in the normal way, then I don't really think this deserves negative feedback. On th...
by Uniballer
Tue Aug 28, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: What do you know about LPL Financial?
Replies: 26
Views: 2465

Re: What do you know about LPL Financial?

My parents had a taxable account at LPL that I helped them move to Vanguard. As I recall, it was $40 to buy or sell a mutual fund, and $80 for an exchange. There was also a yearly fee if you didn't buy or sell anything. I couldn't tell from the statements they were receiving if there were any fees p...
by Uniballer
Mon Aug 27, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Help with basement issues
Replies: 16
Views: 1545

Re: Help with basement issues

The key is an accurate diagnosis. It would be very nice to know where the water table is; including where it is during a heavy rain. I can't imagine a basement without a sump pump: are some basements made without one? I have a house on a hill. There is a sump pit that the footer drains empty into, ...
by Uniballer
Sun Aug 26, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3554

Re: Best ultra thin pocket knife?

I bought a Benchmade Mini Griptilian 556 online, and I really liked it, but as soon as I played with the AXIS lock I realized it was illegal in New York State (gravity knife), so I sold it on eBay the day after I received it.
by Uniballer
Fri Aug 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10510

Re: I own 1,387 items!

Jacob Lund Fisker from Early Retirement Extreme blog used to say that he always could move super easy since all his stuff could fit in one suitcase. Roger Welsch said that he had a friend who borrowed almost everything he needed from people that he knew. When the friend was ready to move, he called...
by Uniballer
Sun Aug 12, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Beating $55K annual 401K limit?
Replies: 15
Views: 2924

Re: Beating $55K annual 401K limit?

The employee (YOU) can only contribute 18.5K total to all plans in 2018. You might be able to increase your contributions by 6k if you are over 50 (catch-up contributions). To reach 55K you would need your employer(s) to kick in a lot of money.
by Uniballer
Sun Aug 05, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1290

Re: Best way to send flowers out of town

I guess I don't' understand how using a local florist will ensure they are a good florist. It doesn't. But the "order collectors", e.g. FTD, Teleflora, 1-800-Flowers, and the newer internet services take a pretty big chunk of the money. Calling a local florist directly allows them to provide good v...
by Uniballer
Sun Jul 22, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: What have been your experiences in purchasing a plot of land to build a someday home?
Replies: 17
Views: 1961

Re: What have been your experiences in purchasing a plot of land to build a someday home?

I bought a multi-acre lot in '97 that had been divided into 4 narrow pieces by a previous owner going through bankruptcy. Once clear title could be conveyed by the bankruptcy court, and after closing, I had to "sell" the property back to myself to redeed it as one parcel to meet zoning requirements ...
by Uniballer
Mon Jul 16, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5466

Re: Bears!!!

thecarrotfund wrote:
Mon Jul 16, 2018 2:02 pm
Would a chain link dog enclosure be strong enough? Tractor Supply has some good looking ones with roofs.
No. Those are not really even strong enough for a strong, determined dog.
by Uniballer
Sun Jul 08, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 2114

Re: Socially Responsible Funds (I want to be socially irresponsible)

DarkHelmetII wrote:
Sun Jul 08, 2018 7:10 am
How do I convince my spouse of this?
Forget about it. It probably won't make much difference so it is not worth arguing about.
by Uniballer
Sun Jun 24, 2018 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Why tax amount determined by software lower than schedule?
Replies: 8
Views: 910

Re: Why tax amount determined by software lower than schedule?

Do you have qualified dividends, or capital gain income? They are taxed at the lower capital gains rate.
by Uniballer
Tue May 22, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 866

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: 1051

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: 1854

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: 5249

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: 3534

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: 31
Views: 4340

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: 7675

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: 6148

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: 4271

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: 843

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: 439
Views: 49186

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: 2001

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: 2118

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: 7249

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: 11934

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: 1023

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: 1023

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: 2742

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: 758

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: 1203

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: 2094

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: 528

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: 110
Views: 9378

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: 1007

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: 1480

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: 1832

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: 1088

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.