Search found 4098 matches

by mhc
Thu May 21, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: “Fuzzy” monitor - will moving from VGA to DVI help?
Replies: 12
Views: 571

Re: “Fuzzy” monitor - will moving from VGA to DVI help?

You can get a 43" 4k TV for about $350. Works great. Just a little tricky to get all the settings correct (mentioned above) to have crisp video. This is what several of us have done since we started working from home.

https://www.rtings.com/tv/reviews/best/ ... pc-monitor
by mhc
Tue May 12, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: How to visit all the US national parks
Replies: 19
Views: 2099

Re: How to visit all the US national parks

Look at a map of the National Parks. In the western part of the US, there are a lot that are clustered together. You can plan driving trips, or fly to a point then rent a car. From California, you should be able to hit multiple parks each year without much effort. After that, it takes more effort (H...
by mhc
Thu May 07, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Pillow updates?
Replies: 8
Views: 644

Re: Pillow updates?

I bought a shredded bamboo pillow off of Amazon. It claimed to be the perfect pillow. It was too thin for me. I emailed them, and they sent me a second pillow for free. Since the pillow has a zipper, I was able to remove some of the filling from the second pillow and put it into the first pillow to ...
by mhc
Tue May 05, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1277

Re: Plunger reccomendation for newer toilets

You could use a toilet auger. Of course you may not be able to store one next to each toilet. This could be embarassing for a guest if they have to ask you where you keep the toilet auger.
by mhc
Mon Apr 27, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Where has the all good foil gone?
Replies: 20
Views: 1971

Re: Where has the all good foil gone?

OP, if you explain what you are trying to do, someone may be able to help. I smoke a lot of meat. I use a combination of disposable aluminum serving pans and Reynolds heavy duty foil. For example, I smoke a brisket for 6 hour, then I move it to a disposable pan and cover with foil. If you are trying...
by mhc
Mon Apr 27, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8073

Re: Payoff house and quit good-paying job?

OP, in general I say go for it. It is your life. You will most likely work it out. Before you decide, you should look at the statistics on when people have to stop working due to conditions outside their control (e.g., medical). There are a lot of people who have to stop working in their 50's. You m...
by mhc
Wed Apr 15, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

Going to any public and potentially close proximity place is going to be strange and awkward until a Covid-19 vaccine is widely available. Nothing else is going to change this very bad situation regardless of the blustering wishful thinking that is going on. Ordering take out is risky, and we would...
by mhc
Wed Apr 15, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Yard Leaves: Mulch or Blow?
Replies: 21
Views: 1038

Re: Yard Leaves: Mulch or Blow?

Mulch.

I would not want to remove organic material from the yard. It is also the less expensive option. Win win.
by mhc
Wed Apr 08, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

pizza hut had 50% off pizzas. my teenagers think that is heaven.

I'm sure there are other good resturaunt deals. Lots of free delivery deals.
by mhc
Tue Apr 07, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8455

Re: How do you maximize enjoyment after achieving FI?

Use your money to help others in need. The joy from helping others far surpasses a large home or fast car.
by mhc
Thu Apr 02, 2020 9:15 am
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

I am not depressed by my portfolio. The human suffering that is occuring right now due to Covid-19 is much, much worse. It helps keep things in perspective. Yes, my portfolio is down a lot, but that does not even come close to the suffering people are going through. People who lose loved ones will n...
by mhc
Tue Mar 31, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Save or invest?
Replies: 17
Views: 1406

Re: Save or invest?

You have to do what you are comfortable with. 1/2 and 1/2 sounds like a really rational decision. It probably won't be the best financial decision, but there is no way to know the future, so one really doesn't ever make the best financial decision. We shoot for good enough. I think 1/2 and 1/2 is go...
by mhc
Tue Mar 31, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: With a volatile stock market account, how do I track retirement progress?
Replies: 13
Views: 703

Re: With a volatile stock market account, how do I track retirement progress?

OP, extrapolating off of noisy data doesn't make a lot of sense unless one applies some sort of filtering/averaging of the data. Personally, I would wait until things settle down before making any projections. I would just stay the course with whatever savings plans you had before CV19 occurred. Giv...
by mhc
Tue Mar 24, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Confused
Replies: 14
Views: 426

Re: Tax Loss Harvesting - Confused

https://www.irs.gov/pub/irs-pdf/p550.pdf

Look at page 56 under Wash Sales

You best source of information is the IRS for tax rules. You don't have to rely on some yahoo on the phone or on the internet.
by mhc
Tue Mar 24, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Confused
Replies: 14
Views: 426

Re: Tax Loss Harvesting - Confused

https://www.bogleheads.org/wiki/Tax_loss_harvesting https://www.bogleheads.org/wiki/Wash_sale The two wiki pages above should explain what you need to know. There are 2 common ways to TLH: 1. Sell for a loss and buy something that is not substantially identical. This way you stay in the market at yo...
by mhc
Tue Mar 24, 2020 10:31 am
Forum: Personal Investments
Topic: Has anyone hit pause on their 401k or monthly IRA contributions?
Replies: 32
Views: 1648

Re: Has anyone hit pause on their 401k or monthly IRA contributions?

How is your current emergency fund? If you stop contributions now, could you increase them later in the year? Would you still get all the matching funds from your employer? If your emergency fund is "too small" and you could increase your retirement contributions later in the year, then decreasing t...
by mhc
Tue Mar 24, 2020 9:07 am
Forum: Personal Investments
Topic: How do you keep of track of capitol loss carryover ??
Replies: 22
Views: 1680

Re: How do you keep of track of capitol loss carryover ??

Which is also one of the advantages of using software such as TurboTax and loading the previous year tax data to start. I am not sure that is a feature of online versions , but certainly is if you buy the download to your own computer. It isn't very hard to transfer the entries by hand for sure, ei...
by mhc
Mon Mar 23, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Need help with a remodel and the contractor
Replies: 15
Views: 1039

Re: Need help with a remodel and the contractor

OP, sounds like you might not have followed proper protocal for a GC in the Carolinas. If I was using a GC, I would have gone through him for all work, but I live in a different part of the country. I don't know what the expectations are in your part of the world.
by mhc
Mon Mar 23, 2020 1:51 pm
Forum: Personal Investments
Topic: RSU - sell or keep?
Replies: 8
Views: 555

Re: RSU - sell or keep?

no one knows which option will result in the most money in your pocket. gamble away if you like. just realize what you are doing. you know #1 is your normal procedure because it is what people recommend. I would do #1, but I would have sold immediately also.
by mhc
Fri Mar 20, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Tipping in the time of Coronavirus
Replies: 39
Views: 3188

Re: Tipping in the time of Coronavirus

If the federal government gives me $1k, I plan on using it on increased tips and helping people who need the $1k more than I do.
by mhc
Tue Mar 17, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55511

Re: How to get Toilet Paper ? seriously.

If restaurants are open only for carry out, maybe you could try to buy some of their toliet paper with your to go order. At least ask for extra napkins.
by mhc
Mon Mar 16, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296697

Re: Coronavirus and the market

Who is shorting the market right now? There is tremendous money to be made by those willing to take risk and put their money where their mouths are, if the market hasn't priced in all the bad news. Who has the courage of their convictions? I still think the reaction to the disease is out of proport...
by mhc
Mon Mar 16, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296697

Re: Coronavirus and the market

Who is shorting the market right now? There is tremendous money to be made by those willing to take risk and put their money where their mouths are, if the market hasn't priced in all the bad news. Who has the courage of their convictions? I still think the reaction to the disease is out of proport...
by mhc
Mon Mar 16, 2020 12:05 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190742

Re: Bogleheads community discussion - Coronavirus

fru-gal wrote:
Mon Mar 16, 2020 7:01 am
https://www.bbc.com/news/business-51904379

"Alibaba co-founder Jack Ma has sent the first shipment of surgical masks and coronavirus test kits to the US.

Interesting
by mhc
Mon Mar 16, 2020 12:00 pm
Forum: Personal Investments
Topic: Are BH tax loss harvesting now or waiting?
Replies: 25
Views: 976

Re: Are BH tax loss harvesting now or waiting?

Sorry to interject, could someone please explain the concept of tax harvesting to me? And typical savings for the example below? Specifically, does TLH only apply to losses for funds bought in a taxable account during the current tax year? Are you required to buy comparable funds for each type with...
by mhc
Mon Mar 16, 2020 9:41 am
Forum: Personal Investments
Topic: Are BH tax loss harvesting now or waiting?
Replies: 25
Views: 976

Re: Are BH tax loss harvesting now or waiting?

I have no idea what is going to happen. I have not done any TLH or rebalancing yet. I was going to do it this weekend, but I got busy enjoying life. I'll take a look soon. Even though this whole thing is still ramping in the US, I suspect people know the impact it will have on the economy over the n...
by mhc
Fri Mar 13, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: North Dakota (Rt 94) & South Dakota (Rt 90) Trip
Replies: 14
Views: 746

Re: North Dakota (Rt 94) & South Dakota (Rt 90) Trip

We did this drive last summer. Here are a few things I haven't seen mentioned yet. 1. Fort Abraham Lincoln near Bismarck 2. Fort Mandan north of Bismarck ND has put a lot of money into their state parks Go to both units of Theodore Roosevelt NP. Spend at least 1 day at each. You could definitely spe...
by mhc
Fri Mar 13, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5443

Re: What entertainment during Covid-19 times?

I'm thinking lots of walks and hikes out in the fresh air. I'm still trying to figure out how to fill time with the cancellation of college basketball and the suspension of the NBA
by mhc
Fri Mar 13, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5443

Re: What entertainment during Covid-19 times?

I'm thinking lots of walks and hikes out in the fresh air. I'm still trying to figure out how to fill time with the cancellation of college basketball and the suspension of the NBA
by mhc
Thu Mar 12, 2020 2:52 pm
Forum: Personal Investments
Topic: Did anyone buy anything yesterday at 20 pct discount
Replies: 24
Views: 1822

Re: Did anyone buy anything yesterday at 20 pct discount

Nope. I have not touched anything yet. I will look this weekend to see if I need to rebalance unless I get busy and forget. Then maybe I will look later. I'm very good at ignoring pain.
by mhc
Wed Mar 11, 2020 11:32 am
Forum: Personal Investments
Topic: What happens if you never TLH?
Replies: 21
Views: 1722

Re: What happens if you never TLH?

They really are not too complex. I tend to agree with you but also why are there 100 threads on this? More than a few people seem to find it complex. I'm guessing that it is because people are not familiar with the process, so they want to make sure they are doing it properly. I remember once I was...
by mhc
Wed Mar 11, 2020 9:26 am
Forum: Personal Investments
Topic: What happens if you never TLH?
Replies: 21
Views: 1722

Re: What happens if you never TLH?

You are not setting yourself up for issues. You are probably just missing out on tax savings. TLH is really easy. 1. Exchange fund with loss for a different fund. 2. Report the sale on your taxes. The catch would be with your monthly purchases. You would probably trigger a wash sale. That's not the ...
by mhc
Tue Mar 10, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Difficulty getting quotes from landscapers
Replies: 14
Views: 1388

Re: Difficulty getting quotes from landscapers

It's usually the contractor thinks the person will be difficult to work with, the job is not enjoyable, the job is low margin, or it's a one off job. My brother owns a landscape company. He doesn't need business from difficult people. He doesn't need one off jobs. He has plenty of work. He can be se...
by mhc
Tue Mar 10, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128584

Re: Coronavirus (Consumer Issues) How you are preparing?

I think I am going to pick up some briskets, ribs, and chickens. If we get quarantined at home, I'm going to have some fun smoking meat. I probably should also pick up some extra meat for grilling. We have a deep freeze, so the meat will get used eventually. Might as well have fun if we get quaranti...
by mhc
Fri Mar 06, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7143

Re: Retirement in AZ-suggestions please

sil2017 wrote:
Fri Mar 06, 2020 4:37 pm
Lots to narrow down from realtor.com
You can overlay a crime heat map in realtor.com. Go to map mode for listing. There is an option to overlay the crime.
by mhc
Thu Mar 05, 2020 11:18 am
Forum: Personal Investments
Topic: What do "Restrictions" on 401K Plan mean?
Replies: 10
Views: 352

Re: What do "Restrictions" on 401K Plan mean?

What happens if I decide to Sell (Contrafund)/Buy (SP 500 Index) concurrently (within the Plan) 20% at a time over the course of several weeks/months, would the 401K Plan restrict me from performing any and/or all transactions? We are no longer contributing to this 401K Plan because it is from a pr...
by mhc
Thu Mar 05, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Job Reviews and Goals
Replies: 12
Views: 1044

Re: Job Reviews and Goals

Thats my problem, I don't like games. Raised differently. Oh well Part of being an engineer is solving problems. It's a lot like playing a game. Learn the rules and find an optimal solution according to the cost function. I think I like engineering because I do enjoy playing games. I'm hyper-compet...
by mhc
Thu Mar 05, 2020 9:48 am
Forum: Personal Investments
Topic: 401K Match Given In Company Stock
Replies: 12
Views: 657

Re: 401K Match Given In Company Stock

Since you get paid weekly, once a month would be fine. It's a good practical solution.
by mhc
Fri Feb 28, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Help with a consumer math question?
Replies: 11
Views: 686

Re: Help with a consumer math question?

linakin wrote:
Fri Feb 28, 2020 8:05 am
I take this to mean the following:

Pay $75 for a $75 gift certificate.

Pay $37.50 for a second $75 gift certificate.

You pay a total of $112.50 and walk away with $150 in gift certificates.
I take it this way also.
by mhc
Fri Feb 28, 2020 9:11 am
Forum: Personal Investments
Topic: Upcoming vesting RSU and options on March 3. What to do?
Replies: 7
Views: 384

Re: Upcoming vesting RSU and options on March 3. What to do?

I would definitely sell the RSUs immediately. Options are different from RSUs. I'm assuming you have multiple years left on the options after they vest. If the options are deep into the money, then sell. If there is still significant time value left in the options and you don't need the money now, t...
by mhc
Mon Feb 24, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash?

children's allowances
Girl Scout cookies
businesses that only accept cash
homeless people (I prefer to buy the items myself, but sometimes I give cash)
tipping
self pay stations at national/state/county/city parks/forests/wilderness areas
buying lottery tickets with co-workers
wedding/birthday gifts
by mhc
Fri Feb 21, 2020 2:30 pm
Forum: Personal Investments
Topic: What's your style?
Replies: 8
Views: 877

Re: What's your style?

none of the above because I don't care about the end of the year.

my contributions go towards whatever asset I need.
by mhc
Fri Feb 21, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: USC - Free tuition for families making under $80k
Replies: 46
Views: 2071

Re: USC - Free tuition for families making under $80k

I hope they don't. People should pay their own way except in extreme circumstances.
by mhc
Fri Feb 21, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 5980

Re: Do You Have a Long Term Travel Strategy?

Kids have not impacted our travel style, but our travel is a little different than yours. We enjoy National Parks/Monuments, state capitals, beaches, quirky out of the way places, .... We have carried our kids in backpacks, changed diapers in the woods, nursed in National Parks, .... I guess you cou...
by mhc
Thu Feb 20, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: RSU Vesting vs Income
Replies: 13
Views: 1307

Re: RSU Vesting vs Income

I don't know the answer, but I do know that in the early 2000's tax laws changed. Employers were required to expense RSUs and Options when granted.
by mhc
Wed Feb 19, 2020 11:53 am
Forum: Investing - Theory, News & General
Topic: Best way to rebalance
Replies: 5
Views: 470

Re: Best way to rebalance

- stop reinvestments - if you make charitable donations, donate the most appreciated shares (make sure long term cap gains) and replace with the funds you want - start buying what you want if it takes a few years to get where you want to be, I wouldn't be concerned. TSM and Large Cap funds are not b...
by mhc
Wed Feb 19, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and Restricted Stock Units (RSU)
Replies: 8
Views: 409

Re: Taxes and Restricted Stock Units (RSU)

The taxes show up in you w2. Turbo tax issues are likely related to cost basis I agree. Usually the cost basis for RSUs is not reported to the IRS. So you 1099B form that you receive will have $0 cost basis, which is incorrect. You should be able to get the cost basis from your brokerage. If your b...
by mhc
Tue Feb 18, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Importing tax info into tax programs. Who does it?
Replies: 24
Views: 1371

Re: Importing tax info into tax programs. Who does it?

I use the online version. It just came up as an option. I select that I do not want to import. Then on the next screen it gave me the option of browsing for a PDF or manually typing in the data.

I did import my 1099-R PDFs from my laptop. Sorry, I don't have step by step instructions.