Search found 453 matches

by HoosierJim
Thu Dec 13, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 62
Views: 2985

Re: Who else is doing home automation?

1. Garage door - was leaving door open sometimes - this reminds me if left open 2. Light switches in living room - finding switch behind a sofa a problem - a first world problem 3. Whole house fan - mechanical chain switched failed - replaced with smart switch. Will decide next project based on this...
by HoosierJim
Fri Dec 07, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2195

Re: When to consider making extra principal payments on mortgage?

Consider yourself lucky if you have a modern interest rate and can contemplate alternative investments. Had you been one of the "blessed" few that actually took out a mortgage in November, 1981 - at a bargain interest rate of 18.4%, your first payment on $100,000 would have been $1,540 with $1,533 o...
by HoosierJim
Fri Dec 07, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2195

Re: When to consider making extra principal payments on mortgage?

If you have a 4% mortgage on $100,000 balance - an extra payment of $144 - the current principle paydown will remove 1 payment at the end. The only reason to do this if helps you sleep better.


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by HoosierJim
Fri Dec 07, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Question: Jamie Dimon ( JPMorgan ) on Bonds
Replies: 18
Views: 2207

Re: Question: Jamie Dimon ( JPMorgan ) on Bonds

nisiprius wrote:
Thu Dec 06, 2018 10:37 pm
If you had invested $10,000 in the Vanguard Total Bond Market Index Fund on that date, you would now have $12,133. The growth chart looks like this:
Help - How do you get a growth chart of a bond/fund/stock that includes distributions? Everything I see is always a price chart.
by HoosierJim
Thu Dec 06, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 15385

Re: Alternatives to TIVO

.... Media Center software (WMC). ....admit that WMC works like a champ. Wonderful system - can't believe Microsoft doesn't make it a current product and market it to the cord cutters. Haven't had a tv bill (just internet) in over 5 years. Just signed up for Hulu for $1/month on Black Friday too. I...
by HoosierJim
Sun Nov 11, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 112
Views: 13609

Re: Are We In A Real Estate Bubble?

the brokers hosting it talked about how easy it is to get a zero % down payment for 1st time home buyers even with questionable credit. interesting that the banking regulators are allowing that? I wonder what the loophole is? I think housing prices are actually distorted by the amount given at clos...
by HoosierJim
Sat Nov 03, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1622

Re: Using drug discount coupons affecting deductible?

GaRPH wrote:
Sat Nov 03, 2018 8:29 pm

Let’s say your copay is $70 with your primary insurance the manufacturer discount card would cover an additional $40 bringing your copay down to $30 total. Sometimes the $40 paid by the manufacturer goes towards your deductible sometimes it doesn’t.
What determines the SOMETIMES?
by HoosierJim
Sat Nov 03, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1622

Re: Using drug discount coupons affecting deductible?

Remember to compare pharmacies too when evaluating a coupon vs using your deductible. All of the following locations are with 5 miles of each other and no more than 3 miles from our house. This is from two screen shots from my phone since there were a few prices in the middle and couldn't see all pr...
by HoosierJim
Thu Nov 01, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2062

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

Ok as long as you think giving your drivers license to a stranger is ok to photocopy.
by HoosierJim
Wed Oct 17, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1393

Re: Would you ever buy a lottery ticket?

I am dollar cost averaging into lottery sector - 1 ticket per week whenever prize is over $300 million. Just the discussions of "what I would I do with >$300 million" are worth the price.
by HoosierJim
Fri Oct 12, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4105

Re: Obamacare premiums will be down an average of 1.5 percent next year

They should post more stats like median increase, standard deviation - average is well, just average. Is the average the weighted averages per state , per zip code, per covered person?
by HoosierJim
Fri Oct 12, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5701

Re: Keep a backup hot water heater?

Embarrassed to admit but was troubleshooting our hot water heater a few years ago - no hot water. Symptom was pilot & flame would run for a short period but then go out. Replaced the thermocouple. Then the gas valve. Finally said screw it and bought another hot water heater. Put that one in – same p...
by HoosierJim
Wed Oct 10, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - Timing and The ACA financials
Replies: 8
Views: 1121

Re: Early Retirement - Timing and The ACA financials

Many employees earn their vacation once they worked a day in the new year. Would it be worth staying till Jan 2?
by HoosierJim
Fri Oct 05, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6147

Re: How to tell contractor you don't plan to pay him.

This is a pet peave of mine (maybe it shouldn’t be). Building materials, mechanical equipment, appliances, etc typically come with clear instructions for how to install them. Sometimes, as in the case of these roofing shingles, installing per the instructions is a requirement for the warranty to be...
by HoosierJim
Mon Sep 24, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4943

Re: 2019 ACA prices out

Yes - that would be interesting if after the smoke clears, it's ruled that the mandate has to be enforced - do we get a 2019 rebate since the pricing was based on less younger members in the pool. There are also some indications of companies making money on the plans so that points to more stabiliza...
by HoosierJim
Mon Sep 24, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4943

Re: 2019 ACA prices out

masonstone wrote:
Mon Sep 24, 2018 4:55 pm
I wonder why the prices keep going up?
One factor is the planned unenforcement of the mandate. Younger , healthier customers may choose to uninsure or go to a catastrophic plan. Don't worry - lawsuits on both sides of the issue are going through the courts.
by HoosierJim
Mon Sep 24, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4943

Re: 2019 ACA prices out

Looks like approx avg +5% for Indiana (not final) More info here form HJK Foundation - most rate tables are shown for a 40 year old non-smoker. Not all prices are final. There were increase requests as high as 33% in Indiana
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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: 2228

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: 1961

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: 2852

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: 3005

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: 1272

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: 1272

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: 3534

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: 4690

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: 9544

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: 37
Views: 6958

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: 5307

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: 1987

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: 2436

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: 2436

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: 534
Views: 54069

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: 12580

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: 6627

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: 10515

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: 10515

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: 10515

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: 10515

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: 10515

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: 6627

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: 1003

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: 6627

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: 3850

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: 10767

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: 6275

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: 6074

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: 6074

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: 2511

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