Search found 22 matches

by BoilerUp
Wed Apr 11, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5748

Re: Alternative website for those in lower tax brackets?

I mostly lurk but I've picked up on the fact that I'm a low earner with a low net worth compared to the typical poster here. Does it bother me? Can't say that it does, but it does make certain threads not applicable to me....at least not yet! :happy There's still a ton of information that I find use...
by BoilerUp
Fri Jan 12, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 59
Views: 4695

Re: Is this solar panel bid reasonable?

Have you asked the folks over at www.solarpaneltalk.com? They'll have a natural internal bias of pro solar in a general should I get solar or not analysis, but if you're looking for sound advice on comparing some quotes, there are some very knowledgeable people on that forum who can help. Why are th...
by BoilerUp
Wed Jan 10, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner: How Many Of You Take The Retirement Savings Credit?
Replies: 8
Views: 1052

Re: Beginner: How Many Of You Take The Retirement Savings Credit?

We get the retirement savings credit. We have hovered around the top income limit for the past few years, so our decision making is always centered around how much of my spouse's $2000 IRA contribution goes into a Roth or traditional IRA to get us under the limit, and that's figured out in late Jan...
by BoilerUp
Tue Jan 17, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 5339

Re: Basic question on Hybrid cars

It's not about the initial price, which was only $2000 extra for the Avalon. It's about the potential cost of $4000 down the road. To make things clear: a Toyota hybrid will be dead in the water if the hybrid battery fails, so there is no such thing as "I'll just keep driving on the gas engine". Un...
by BoilerUp
Fri Jan 06, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 7391

Re: Getting rid of mice

After I got the first one, it took me a couple of minutes to figure out how the peanut butter was all gone with a dead mouse in the trap. This reminds me of something that happened at my home this summer. We had been setting rat traps to catch the chipmunks that were burrowing under our patio and u...
by BoilerUp
Fri Jun 17, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 5592

Re: Internet/WiFi speeds and costs

I have a choice between AT&T U-Verse and Comcast. Having competition helps tremendously. Right now I am getting 25/5 from Comcast for $25 per month. I expect to have to renegotiate that every year.
by BoilerUp
Thu Jun 02, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 9874

Re: neighbor issue - do I need a fence?

Full disclosure: I'm a licensed Professional Land Surveyor. Each state's laws are a little different but I think this is a general enough issue to be applicable most anywhere. The first thing you need to do is have a boundary survey performed on your property. If we're talking about two lots in a pl...
by BoilerUp
Thu Jun 02, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 8258

Re: Which 529 plan are you using?

As an Indiana resident our 529 money is staying in the IN plan due to the 20% tax CREDIT on the first $5k contributed per year. I can't beat a 25% return right off the bat.
by BoilerUp
Sat Mar 26, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Groupon Deal - Feels like a scam
Replies: 11
Views: 3030

Re: Groupon Deal - Feels like a scam

The $10 Starbucks for $5 is completely legit - assuming it is actually coming from Groupon and not some redirect to another page. I've successfully gotten them a couple of times over the past few years. They sell out pretty quickly, so this may be what you're seeing when it says temporarily unavaila...
by BoilerUp
Sat Jan 23, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: I received notices - What is my company doing with our plan?
Replies: 1
Views: 517

I received notices - What is my company doing with our plan?

I'm looking for some guidance in that I'm understanding and interpreting these notices from my company correctly. I received these two notices via email from HR. The body of the email offered no explanation and only said "Please see regulatory notices attached." There were two attachments which I've...
by BoilerUp
Thu Jan 07, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 40482

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

1976.54

Exact same guess as last year! I certainly hope I am way low.
by BoilerUp
Mon Jul 13, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: thoughts on American Express Bank? 1.85% for FDIC savings [2009]
Replies: 17
Views: 3515

Re: thoughts on American Express Bank? 1.85% for FDIC savings

Ugh. I too saw those "high" rates in the first few posts and and immediately went to depositaccounts.com to confirm, and then coming back here confused, noticed this thread was from 2009. :( I didn't think I had missed anything since I last checked rates a while ago...but you never know!
by BoilerUp
Fri Jun 19, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 33884

Re: Aren't we overdoing electronic auto safety features?

I drive and ride about 10,000 miles per year in autos, so the odds of my being killed in a given year are 10K/100M *1.10 = 0.011%; that is, my chances of not being killed driving in a given year are 99.99%. Over an entire 60-year driving lifespan, the odds of not being killed in an automobile accid...
by BoilerUp
Thu Sep 04, 2014 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying my portfolio
Replies: 6
Views: 928

Re: Simplifying my portfolio

Thanks to everyone for suggesting we're not as behind as I may perceive. I've looked around and get conflicting advice on where should one be at certain ages...some would suggest I am fine, some not as much. would encourage you not to take more risk that you are comfortable with because you feel beh...
by BoilerUp
Wed Sep 03, 2014 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying my portfolio
Replies: 6
Views: 928

Re: Simplifying my portfolio

Thanks for the reply pkcrafter. No the emergency fund is separate from the assets listed below and my wife is a stay at home mom with no income. I've updated the OP to add both of those tidbits. As long as you aren't trying to contribute a total of more than 11k per year, it's OK to not use a 401k w...
by BoilerUp
Wed Sep 03, 2014 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying my portfolio
Replies: 6
Views: 928

Simplifying my portfolio

Thanks to everyone in advance for looking at my post and for their suggestions. I’ve been lurking here off and on for a while trying to learn what I can. I have an income far lower than what I perceive to be the median here but I know that is of no consequence and the basic strategy remains the same...
by BoilerUp
Thu Apr 21, 2011 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Rules regarding employer initiated fund changes in a 401(k)?
Replies: 2
Views: 550

Rules regarding employer initiated fund changes in a 401(k)?

I'm trying to find out what the rules are for employer initiated fund changes in a 401(k). I've googled around a bit, but haven't seen anything that addresses this. Are employers required to notify participants of fund changes? Obvously this happened recently in my plan. While I am not unhappy about...
by BoilerUp
Thu Feb 18, 2010 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Ways to generate income for 2010 – Roth conversion?
Replies: 3
Views: 951

Re: Ways to generate income for 2010 – Roth conversion?

Don't you have an IRA already? Unfortunately, I don’t have any deductible traditional IRA money. Everything I have is either in my current 401(k) or in a Roth. I am toying with idea of making some contributions to a traditional IRA now, classifying them as 2009 contributions and then converting the...
by BoilerUp
Wed Feb 17, 2010 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor- Please Help
Replies: 10
Views: 1461

Do you have separate money elsewhere set aside as an emergency fund?
by BoilerUp
Wed Feb 17, 2010 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Ways to generate income for 2010 – Roth conversion?
Replies: 3
Views: 951

Ways to generate income for 2010 – Roth conversion?

The short story is that I am planning on purchasing a new furnace this year and would like to take full advantage of the Non-business Energy Property Credit. It is my understanding that this tax credit is non-refundable. I have done some estimates for next year and it does not look like I will have ...