Search found 125 matches

by Uniballer
Sun Aug 12, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Beating $55K annual 401K limit?
Replies: 7
Views: 1947

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: 1152

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: 1880

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: 5219

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: 1914

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: 821

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: 811

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: 1012

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: 1810

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: 5048

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: 3373

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: 3299

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: 7267

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: 6050

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: 4076

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: 805

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: 45247

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: 1925

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: 2043

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: 6787

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: 11651

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: 962

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: 962

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: 2520

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: 691

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: 1169

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: 1916

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: 502

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: 7401

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: 958

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: 1420

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: 1778

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: 1057

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: 904

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: 1254

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: 1680

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: 1874

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: 5822

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: 4342

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: 1681

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: 1068

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: 1340

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: 5198

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: 9351

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: 1172

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: 5123

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: 1593

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: 1861

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...