Search found 436 matches

by HoosierJim
Wed Sep 19, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: "7 Retirement-Portfolio Withdrawal Mistakes to Avoid"
Replies: 13
Views: 2122

Re: "7 Retirement-Portfolio Withdrawal Mistakes to Avoid"

A 4% withdrawal from an $800,000 portfolio is $32,000--perhaps on target with your spending needs--but that amount shrivels to just more than $24,000, assuming a 24% tax hit. How does this work? So a married couple with 32,000 in income would pay about $800 taxes. When the standard deductions for 2...
by HoosierJim
Thu Sep 13, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1875

Re: Need burner phone for wife traveling in Italy

Does anybody have any burner suggestions per the OP request? I do boating, kayaking, canoeing and have been sealing my phone in zip lock bags but would hate to lose an expensive phone. Burner would be great for emergency usage only. Any suggestions?
by HoosierJim
Thu Aug 23, 2018 10:56 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 2567

Re: Rating system for posts/posters ?

Posting pet peeves: 1. Subject line too too vague - saw a post today called "Social Security". 2. COMPLETELY quoting a previous 100 line post and sometimes posts with quotes requoted over and over. You can just include the point you are replying to. Maddening when reading on a mobile phone. 3. Off f...
by HoosierJim
Thu Aug 16, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2923

Re: Sign - Speed checked by Radar

There are speed cameras, redlight cameras in Illinois. Also have speed checked by Radar.

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by HoosierJim
Fri Aug 10, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring for sewer damage in a slab home
Replies: 14
Views: 1239

Re: Insuring for sewer damage in a slab home

Put a couple of these water detectors in strategic places. The sound will wake the dead.
by HoosierJim
Fri Aug 10, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring for sewer damage in a slab home
Replies: 14
Views: 1239

Re: Insuring for sewer damage in a slab home

If you have a stand up shower (not in tub) that is the first place you will see the sever overflow. Yes - other things will occur before the sofa begins floating away. As mentioned - shower, tub, toilets flushing weird like air lock. Plenty of time to get a company to have it rodded out. Just be ca...
by HoosierJim
Wed Apr 25, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 3260

Re: Rebating buyer's agent for 1st time single-family home purchase

mak1277 wrote:
Mon Apr 23, 2018 12:58 pm
It's the seller who is paying the commission, not the buyer.
Who is paying the seller?
by HoosierJim
Wed Apr 25, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: FIRE and health insurance
Replies: 25
Views: 4385

Re: FIRE and health insurance

Are you saying when youngest graduates you salary could turn into a pension at 50% So: Teaching salary $70,000 Church salary $6,000 Investment income (RMD, farm rent) $20,000 Pass-through income-$12,000 minimum (inherited small business) turns into Teaching salary --------------->$35,000 Church sala...
by HoosierJim
Sat Mar 17, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 9138

Re: 30-Day Minimalist Challenge

the hardest things to get rid of are books. My new strategy is to buy books at the Humane Resale shop. $1 per book. Just picked up some books on the Middle East, a biography on Colin Powell and college textbook. The vast supply seems to lower the sentimental value of books like my Catcher in the Ry...
by HoosierJim
Wed Mar 07, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 30
Views: 5134

Re: Regrets / Pearls

During my early work years some smart people suggested I use the stock fund offered at work but I had a aversion to any losses so while the stock fund posted gains of +12,+5,-2,+10,etc, I freaked out about the -2 value. Given my age at the time this was the exact wrong move to stay in the bond fund....
by HoosierJim
Wed Mar 07, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: I want to retire
Replies: 28
Views: 5191

Re: I want to retire

Assuming your heathcare is in the $85k spend (let's say 15k premium and 5k deductible = 20k) , due to your cash holdings, you have the ability to setup your taxable income to qualify for significant heath care AND DEDUCTIBLE subsidy. Didn't see your state/city but here's a Pittsburg PA (one of the c...
by HoosierJim
Wed Feb 21, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1795

Re: Clever phishing -- be careful!

Moving to this where I can. Yubico

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by HoosierJim
Tue Feb 20, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2349

Re: House rewiring - cost of copper

If I wasn't in a big hurry, I would thoroughly research smart circuits and home automation, sound, entertainment, video, security, outdoor lighting, data cabling AND wireless options before embarking on a house rewire.
by HoosierJim
Tue Feb 20, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2349

Re: House rewiring - cost of copper

Home depot current pricing - contractor pricing and volume cable lengths will reduce the price.. Depending on the house, and routes you can find, might use 2000' of #14 = $78 * 8 = approx $625 1000' of #12 - $132 *4 = approx $625. Plus dryer, oven, etc if electric. Grounding and feed wire but these ...
by HoosierJim
Mon Feb 19, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 46475

Re: What frugal thing did you do today?

Avoiding Costco optical from now on. Have had good service at our Costco but I am also working on my anti-service RADAR that detects untrained incompetent service personnel so I can bail faster or ask for supervision. Problem is, every MINUTE you invest in the encounter, the more you want it over a...
by HoosierJim
Sat Feb 10, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 12383

Re: T-Mobile promotion for 55+

Don't forget - time your switch from one carrier to another at the end of your billing cycle - most don't prorate so you pay your old carrier for a partial/full month for no reason. Happy we are DONE with ATT and love Tmobile, but I would have to say the TMOBILE app for free stuff is one of the wors...
by HoosierJim
Thu Feb 01, 2018 12:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 23
Views: 5966

Re: Chicagoland Master Thread

Could also discuss recent favorite posts - Why would i buy bonds
by HoosierJim
Mon Jan 29, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10075

Re: Neighbor recently burgalerized - Suggestions for home security

let them steal and find out it’s not worth their trouble. In short, keep nothing of significant value at home Talking to my neighbor, she was more upset about strangers in her house and the invasion of her personal safety since she could have been home or taking a nap. The money definitely was NOT ...
by HoosierJim
Mon Jan 29, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10075

Re: Neighbor recently burgalerized - Suggestions for home security

jehovasfitness wrote:
Mon Jan 29, 2018 12:14 pm

Here's a night video clip screenshot. The camera is about 30 feet from the back of the house. This is the Pro 2, where the pro 1 is better at night.
Is there any additional lighting used for your night shot or is this the light the camera provides or "sees"?
by HoosierJim
Mon Jan 29, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10075

Re: Neighbor recently burgalerized - Suggestions for home security

jehovasfitness wrote:
Mon Jan 29, 2018 12:05 pm
camera pictures
What resolution camera do you need to get this quality of picture. How does it look at night?
by HoosierJim
Mon Jan 29, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10075

Re: Neighbor recently burgalerized - Suggestions for home security

Apparently thief(thieves) went straight to the bedroom and found jewelry. Interesting.. Sounds, perhaps, like an "inside job" where the thieves knew about the jewelry. I should be more clear - according to the neighbor the house was disturbed in small ways (didn't "toss" the house). Maybe their goa...
by HoosierJim
Mon Jan 29, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10075

Neighbor recently burglarized- Suggestions for home security

Front door kicked/pushed in - luckily nobody home but was on a Sunday afternoon. Apparently thief(thieves) went straight to the bedroom and found jewelry. The rest of the house seemed untouched. Neighbor is older woman that lives alone is very upset and scared. In priority order, what suggestions do...
by HoosierJim
Mon Jan 29, 2018 9:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 23
Views: 5966

Re: Chicagoland Master Thread

I will be driving in from NW Indiana so PM me if you need a ride.
by HoosierJim
Sat Jan 27, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Automatic Two-Way File Syncing Software
Replies: 10
Views: 914

Re: Automatic Two-Way File Syncing Software

I have Windows 10. I clicked on your link but can't seem to figure it out. To try/test this - do the following open a command window: start-->cmd (enter) or (windows key) cmd (enter) md \temp cd\temp md store1 md store 2 -- you will now have two folders "store1" and "store2" in your temp folder Now...
by HoosierJim
Fri Jan 26, 2018 10:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 23
Views: 5966

Re: Chicagoland Master Thread

Thank you for setting this up. I am planning on attending.
by HoosierJim
Wed Jan 24, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 47
Views: 3708

Re: Using disinfecting wipes to clean surfaces

Caught red-handed eating in a public bathroom. A neighbor recounted a story to me on how he and the other workers in the old days in the morgue used to each lunch next to the corpses. Would take lunch mid-autopsy. He said, "like most things, you get used to it." Lysol left on a surface for ten minu...
by HoosierJim
Tue Jan 23, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10329

Re: Working in the real world

Some people think that getting aggressive about their employment/salary situation is not their "job". I have a number of friends that have kids that work min wage jobs - turn down overtime - are delighted when the boss cuts their hours, have skills and undeveloped potential but have no interest in i...
by HoosierJim
Tue Jan 23, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5983

Re: 4k UHD TVs worth it?

I bought a 50" 4K TV as a computer monitor and it's wonderful. It's like looking at a sheet of plywood no borders or bezels. Really it's like looking at four old monitors
by HoosierJim
Tue Jan 16, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5824

Re: Friend Got Laid Off - Advice Needed

Depending on his actual termination date - health insurance termination terms - and the Cobra 60 day retroactive clause - AND the start of an ACA plan (if that is what is decided). There may be an opportunity to save 2 months of medical insurance with no risk.
by HoosierJim
Tue Jan 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5824

Re: Friend Got Laid Off - Advice Needed

Tell him not to be shocked - they may have done him a favor. Please ask him to report back in 6 months with his journey. All the cloud suppliers want you to use their cloud - so most are providing free training. I needed to connect devices to an IOT Hub - possibly 1000's of messages per minute when ...
by HoosierJim
Sun Jan 14, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 24
Views: 2416

Re: Renting in NYC for a new college grad. Best practices?

Check the hallways and stairwells of any building you are considering and talk to other tenants after you narrow down your choices. People will gladly give you their opinion since other renters have little reason to lie.


Lazy tenants and hallway poop
by HoosierJim
Sun Jan 14, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2756

Re: Do you correct cashier mistakes?

Yes - I just want the bill to be correct - no free items - no overcharging. When you point out a missed item at the grocery store, I've noticed looks from customers behind me in line like I just tore up a lottery ticket.
by HoosierJim
Sun Jan 14, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 13150

Re: Dave Ramsey's Millionaire Study

and it was anonymous, other than the ability to log your IP address if so inclined. So it's not anonymous. Unless you fill it in at the apple store or your library, I can hear Dave screaming "Release the kracken (salespeople)" then telling the kracken to NOT take baby steps. Ironically, you will be...
by HoosierJim
Sun Jan 14, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 13150

Re: Dave Ramsey's Millionaire Study

Longdog wrote:
Sun Jan 14, 2018 7:28 am
and it was anonymous, other than the ability to log your IP address if so inclined.
So it's not anonymous. Unless you fill it in at the apple store or your library,
by HoosierJim
Sun Jan 14, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 24
Views: 2416

Re: Renting in NYC for a new college grad. Best practices?

There are plenty of apartments available - no waiting lists - plenty available so DO NOT PAY A BROKER.
by HoosierJim
Sat Jan 13, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 46475

Re: What frugal thing did you do today?

Hand washed pickup truck when temperature hit 50 the other day - nice to get fresh water to rinse the salt in the hard to reach places with the hose. Always wondered what the salt concentrations get to in a commercial car wash? Also may have talked relative into using unlimited 3G tethering on their...
by HoosierJim
Wed Jan 03, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 46475

Re: What frugal thing did you do today?

... Amazon to sell one of my kid’s textbooks, something about Marxism . An excellent example of capitalism. :) my example: Humidifier solenoid - Ordered it Saturday - Amazon shipped and it arrived today (Wednesday)- free shipping - my humidifier solenoid. Installed it and all is well - saved a serv...
by HoosierJim
Tue Jan 02, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 29
Views: 2616

Re: Aprilaire Humidifier

Now just waiting for some humidity. :P You could also switch the fan from AUTO to ON on your thermostat to increase the total time that air is flowing over the wet membrane. It may cool down the house by increasing the heat transfer due to convection. You should also look for slight condensation ar...
by HoosierJim
Tue Jan 02, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 29
Views: 2616

Re: Aprilaire Humidifier

it has done absolutely nothing over the last 4 days to actually raise the humidity in my home. Sorry for the obvious comment, but for those that have a WINTER /SUMMER setting on their humidifier. Make sure it's in the WINTER position so air flows through the wet membrane. The picture below shows it...
by HoosierJim
Sun Dec 31, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 46475

Re: What frugal thing did you do today?

Noticed from my non-scientific methods that I was using about large variations of shampoo when applied in the shower. The observed standard deviation exceeded the mean. Decided to apply a dollop before getting into the shower and have reduced usage and waste by 50%. The $1.25 Suave shampoo DURATION ...
by HoosierJim
Sun Dec 31, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 29
Views: 2616

Re: Aprilaire Humidifier

Just self diagnosed a solenoid problem on my AprilAire humidifier yesterday Solenoid not activating when humidistat calls. 24 volt good so ordered solenoid for approximately $35 on Amazon. It's in a tight spot so used my phone with flash to take a good picture with part number, voltage and orifice s...
by HoosierJim
Sat Dec 30, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2441

Re: Appliance Install Issues

Assuming you have two hots, a neutral and a ground - you should be able to install a single 110 volt receptacle - using one of the hots, the neutral and the ground. The other hot should be abandoned in-place and taped/wire-nutted & tagged at both the receptacle box and the breaker box. The breaker s...
by HoosierJim
Sat Dec 30, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 4165

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

Doesn't hurt to ask the seller - may be gnawing on their conscience or maybe they are sleeping like a baby every night. Not worth the legal hassle unless there are other missed disclosures. Not so scare you but the fact that the tank is EMPTY may mean you have a leak somewhere too. Have the lines ch...
by HoosierJim
Tue Dec 26, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Should I preserve parents’ risky portfolio? Or “disobey” them?
Replies: 74
Views: 5850

Re: Should I preserve parents’ risky portfolio? Or “disobey” them?

They have plenty of money for their needs regardless of their "risky" position. You can Firecalc their $3M at $200K/year for 15 years and have small chance of failure. Since they 'can't make decisions on their own' - have they expressed any wishes at all regarding risk their asset allocation? If not...
by HoosierJim
Thu Dec 07, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 10136

Re: Growing Number of Electric Vehicles

It's going to be very interesting to see what happens over time when we have significantly more than 4-5 EV owners, assuming EV adoption accelerates as predicted. Once 90% of vehicles are electric, this might change the infrastructure planning. For example, limited access expressways might have pow...
by HoosierJim
Thu Dec 07, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 6668

Re: I received a speeding ticket via mail from IA - should I pay it?

.. you get a ticket in the mail with no picture or the picture is of another car, not yours, then I would write a letter contesting it. Now, if the pictures sent to you are that of your car, your license plate. ... court could never prove you received the ticket in the mail, unless it was delivered...
by HoosierJim
Mon Dec 04, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 2822

Re: Help me understand the ACA Cliff

You should say also there is a reverse "cliff" if you adjust your 401K, SEP, Individual 401k, IRA, tax loss harvest , etc and a second order effect if you choose a plan that is HSA compatible and you use it.

Look at previous Boglehead post: Ways to reduce magi
by HoosierJim
Sun Dec 03, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 13531

Re: After financial independence, do you lose motivation for work?

InMyDreams wrote:
Tue Nov 28, 2017 11:47 am
I had a boss, who talked about his boss's saying: Good employees are 2.5 times their annual salary in debt. ;)
and have 5 kids.

Before FI, I didn't allow myself to think about my motivation.