Search found 1459 matches

by RustyShackleford
Mon May 25, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 73
Views: 5690

Re: Car shopping PHEV / ICE / or all electric?

As a bonus, I was able (I am a EE) to rig it up so I can connect a small inverter and patch that into the home electrical panel during power outages (kinda like a generator, with the usual caveats about interlock so as not to energize dead power lines and endangering linepersons). It can support so...
by RustyShackleford
Wed May 06, 2020 11:34 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3228

Re: Should you tip landscapers?

I’m opposed to tipping. Must be nice to be you. I would consider it if it's grunts working for an employer that probably exploits, or at least underrpays, them; but not if it's a sole proprietor outfit like many around here. P.S. Landscaping is a more dangerous job than being a police officer (whic...
by RustyShackleford
Sun May 03, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 73
Views: 5690

Re: Car shopping PHEV / ICE / or all electric?

PHEV may feel virtuous but I believe the empirical data is that they run the gasoline engines a lot more than the assumptions. I don't know about this empirical data. But as an engineer, the simple elegance of an EV appeals to me very much; again, they do not require any maintenance (aside from tir...
by RustyShackleford
Mon Apr 27, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 73
Views: 5690

Re: Car shopping PHEV / ICE / or all electric?

Haven't read whole thread, so some of this may be duplicate or irrelevant ... My wife was considering a plug-in hybrid last year, leaning towards a Subaru Crosstrek. But I convinced her to buy an EV instead, and she got a sweet deal on on a used almost-new Nissan Leaf. We LOVE the thing. It is fast ...
by RustyShackleford
Thu Apr 09, 2020 1:31 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?

GAS... my EV is crying in the corner. It'll have to get pretty cheap for my EV to weep. I believe we spent about $10 charging it last month. Pretty easy to keep track of, because we only charge it during "super off-peak" hours, and the bill tells us how many KWH were consumed during those hours. An...
by RustyShackleford
Wed Apr 08, 2020 7:50 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?

I recall during the 2008 recession that really good deals on tools could be had. If you're into tools.
by RustyShackleford
Mon Apr 06, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 144
Views: 10781

Re: How much cash to have during coronavirus panic?

I would think you would want at a minimum $5000 on hand at all times. That's hilarious. I have a hunch there's a good bit of ammunition of various calibers there too :-) I had $16 in my wallet a month ago. I have $16 in my wallet today. Hmm, maybe erring too far on the other side of caution.
by RustyShackleford
Tue Mar 24, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 516

Re: H&R Block and missing form 8911, EV Charging credit

You may not be missing anything, I did a quick search at the site and could not verify that the calculation would be done, given a referral to the IRS document. My review was rather casual and your experience trumps mine! Right, you were talking about H&R Block, not TurboTax, that was some other pe...
by RustyShackleford
Mon Mar 23, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and missing form 8911, EV Charging credit
Replies: 9
Views: 516

Re: H&R Block and missing form 8911, EV Charging credit

Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to be passed by Congress; that is manifestly incorrect. I see they have some questions about the rebate but direct you to the IRS site for instructions. I'm confused. I e-filed...
by RustyShackleford
Tue Mar 17, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50160

Re: Who's buying today? where's all the "dry powder" folks at? :)

rascott wrote:
Mon Mar 16, 2020 7:22 pm
I'm guessing a 5%+ day tomorrow.
Bingo !
by RustyShackleford
Mon Mar 16, 2020 7:13 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190906

Re: Preferred greeting with clients for social distancing, elbow bump or other?

Namaste! https://www.wikihow.com/Do-Namaste President Trump tries it here: https://www.youtube.com/watch?v=vzxsC9O91PU Sorry for the dupe. I "cannot delete posts in this forum". This ! A lot more dignified that stupid stuff like the elbow bump, and you don't touch the other person at all.
by RustyShackleford
Mon Mar 16, 2020 7:12 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190906

Re: Preferred greeting with clients for social distancing, elbow bump or other?

goblegoble wrote:
Mon Mar 16, 2020 4:18 pm
Namaste!

https://www.wikihow.com/Do-Namaste

President Trump tries it here: https://www.youtube.com/watch?v=vzxsC9O91PU
This ! A lot more dignified that stupid stuff like the elbow bump, and you don't touch the other person at all.
by RustyShackleford
Thu Mar 12, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of SS claiming in a down market
Replies: 21
Views: 1650

Re: Timing of SS claiming in a down market

A related question would be, does one risk needing to take SS earlier than planned in order use some of one's cash for some of the great buying opportunities (aka. rebalancing portfolio) that are coming up ?
by RustyShackleford
Tue Mar 10, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Timing of SS claiming in a down market
Replies: 21
Views: 1650

Re: Timing of SS claiming in a down market

Make sure to also adjust your expected life-expectancy due to the virus. That number is not the same as it was a few weeks ago. Not much, I shouldn't think. A reasonably pessimistic scenario says half the people in the world will be infected and about 1% of those will perish; so 1 out of every 200 ...
by RustyShackleford
Mon Mar 09, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of SS claiming in a down market
Replies: 21
Views: 1650

Re: Timing of SS claiming in a down market

If you have enough money to fund your early retirement, defer SS as long as possible. If not, start taking it whenever you feel you really need it to avoid significant immediate lifestyle compromise. It's that simple. Forget about break even ages, maximizing benefits in an unknown world ... I basic...
by RustyShackleford
Wed Mar 04, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question TurboTax & Pay1040.com
Replies: 5
Views: 253

Re: Quick question TurboTax & Pay1040.com

Just wondering why you want to use pay1040-dot-com. Doesn't it charge a fee ? I've used it to "manufacture spending" to qualify for a credit-card signup bonus. But otherwise I use eftps-dot-gov, which is free (at least if it comes from your bank account, dunno if credit-card is even an option).
by RustyShackleford
Wed Feb 26, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anonymous QCD??
Replies: 20
Views: 1609

Re: Anonymous QCD??

I too am treating my TIRA as a DAF. One big advantage (that would be lost if you could QCD to an actual DAF) is that it's not irrevocable like a real DAF is. You can decide not to QCD it and use it for yourself if you need to.
by RustyShackleford
Fri Jan 17, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3082

Re: cheap-o rental car chains

Tires are your responsibility, not theirs. I trashed a tire once, going off-road; in the sidewall, so no hope of repair. The rental car company said "forget it, you owe us" as they should have. But my VISA card covered it almost completely; it did take me about an hour to get all the paperwork they...
by RustyShackleford
Thu Jan 16, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3082

Re: cheap-o rental car chains

We have occasionally rented cars from Enterprise. I usually have great experiences with Enterprise - they've gone above and beyond a few times; probably something to do with it not being a publicly-held company. Fun fact: it was started by a guy who flew off the aircraft carrier Enterprise during W...
by RustyShackleford
Wed Jan 15, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3082

cheap-o rental car chains

Whenever I search for a rental car, there are a few names that are almost always quite a bit cheaper than the "name" brands; these include SixT, Payless, Advantage, and Fox. What sort of experiences have people had with these ?
by RustyShackleford
Sun Jan 05, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

Re: is QCD like a DAF (but better) ?

It contains an "anti abuse" provision that prevents someone from making deductible TIRA contributions at age 70.5 or later and recycling those contributions as QCDs, therefore getting both a tax deduction and a QCD exclusion ... What is the rationale behind how this is any more abusive than if you ...
by RustyShackleford
Sun Jan 05, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

Re: is QCD like a DAF (but better) ?

Taking a QCD does not lower your AGI below what it would be if you did not take a distribution at all. It merely keeps the QCD amount from counting as income. In a year you need to take an RMD taking QCDs before any other distributions means you won't be taxed on those amounts of your RMD. I finall...
by RustyShackleford
Sat Jan 04, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

Re: is QCD like a DAF (but better) ?

jebmke wrote:
Sat Jan 04, 2020 5:52 pm
no, only once. You are simply avoiding the washback of the income in the future year.
Sorry to be dense, but if it reduces your AGI, how does it not also reduce your taxable income ? DId the distribution get added to your AGI before the QCD'ness of it causes it to be subtracted back out ?
by RustyShackleford
Sat Jan 04, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

Re: is QCD like a DAF (but better) ?

Another question: all the articles about QCD talk about taking it from a TIRA. Can you take it from "other tax-qualified accounts", that is, accounts to which you made deductible contributions, such as a 401(k), or an RA at TIAA-CREF ?
by RustyShackleford
Sat Jan 04, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

Re: is QCD like a DAF (but better) ?

Everything else is just gravy. Particularly the fact that those QCDs will also reduce AGI; it seems magical, as those amounts get deducted from my taxable income twice, once when I make a deductible IRA contribution, and again when I make the QCD; can that be right ? The QCD mondy is not deducted t...
by RustyShackleford
Sat Jan 04, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

Re: is QCD like a DAF (but better) ?

I agree that there are a lot of advantages of QCD giving rather than DAF once a person is over the necessary age. But if the goal is to reduce AGI by taking the QCD "in place of" an RMD, so that all or part of the RMD does not count as income, you would need to wait until the year you turn 72. The ...
by RustyShackleford
Sat Jan 04, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2509

is QCD like a DAF (but better) ?

I've done a donor-advised fund (DAF) in the past, but with the higher $12k/$24k standard deduction, contributions are effectively non-deductible even with some bunching. But I already have enough in my DAF to fund my giving until age 70, when QCDs become possible and only two years before RMDs begin...
by RustyShackleford
Wed Jan 01, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Targeting a specific dollar amount for 2020 W-4 (due to IRS safe harbor rules)
Replies: 16
Views: 1415

Re: Targeting a specific dollar amount for 2020 W-4 (due to IRS safe harbor rules)

Doesn't the form have an option to simply withhold a fixed dollar amount from each check ?
by RustyShackleford
Sun Dec 29, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5448
Views: 1350440

Re: What Movie Have You Recently Watched?

Hey, if you want just about the darkest thing you've ever seen, but well made and intriguing plot, watch "Brimstone". Gotta be in the right mood though ...
by RustyShackleford
Sat Dec 28, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 72
Views: 10445

Re: Home backup generator experiences

When we had hurricane Sandy around here they were not filling propane when the power was out ... Yeah, but my point is that you don't need to be able to fill your propane when the power is out, because you can have a lot of it on-hand even if you don't use the generator for a long time. "That being...
by RustyShackleford
Sat Dec 28, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

Don't. Instead, have them install 1" conduit/smurf tube from a box at the location in each room at which you want connectivity to a central distribution panel (in basement, mech room, data closet, etc). This will give you the option to run whatever type of wire is required. Or just into the crawlsp...
by RustyShackleford
Sat Dec 28, 2019 3:04 am
Forum: Personal Consumer Issues
Topic: Great experience with backcountry.com
Replies: 23
Views: 3458

Re: Great experience with backcountry.com

I would guess that, for the sake of efficiency, they don't even bother checking...perhaps it is cheaper (as well as good PR) to accept a certain amount of fraud and just refund everyone's money immediately regardless. I've several times initiated a return to Amazon, and at the end I'm told "we're i...
by RustyShackleford
Sat Dec 28, 2019 2:56 am
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 72
Views: 10445

Re: Home backup generator experiences

Good for you using a transfer switch/panel! Safer for all parties, including your local power company employees. Yes. But a much cheaper option is an interlock for your electrical panel. It prevents you from switching on the breaker that's attached to the generator inlet jack without first switchin...
by RustyShackleford
Sat Dec 28, 2019 2:51 am
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 72
Views: 10445

Re: Home backup generator experiences

Propane tanks don't need power to be refilled, vs gas that required electric pumps. Maybe a bigger issue: if you don't use generator for months, gasoline can get "stale"; no such problem with propane. That being said, my "generator" is an inverter that I can connect to our EV. Good for a few days o...
by RustyShackleford
Sat Dec 28, 2019 2:37 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

Check into these things called "keystone jacks": https://www.computercablestore.com/Keystone-Jacks-22 (better prices here: https://www.monoprice.com/search/index?keyword=keystone). They go into regular electrical boxes, and you can configure whatever you want (cat6, coax, phone, something not yet in...
by RustyShackleford
Fri Nov 15, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: pay1040 slow to post on credit card ?
Replies: 5
Views: 496

Re: pay1040 slow to post on credit card ?

It's posted now. Much ado about nothing. Let this thread serve as a warning that there may be some delay in payments posting, that could affect your meeting a sign-up bonus spending threshold on time.
by RustyShackleford
Thu Nov 14, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: pay1040 slow to post on credit card ?
Replies: 5
Views: 496

pay1040 slow to post on credit card ?

I have made an estimate tax payment using the pay1040-dot-com service. Part of the reason is to "manufacture spending" to qualify for a credit card signup bonus. I made the payment on Nov 10, but it still has not posted to my credit card account (just shows as "pending"); I am nervous that it will n...
by RustyShackleford
Tue Nov 05, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1075

Re: payoff period for viable solar ?

I’d say not dollar for dollar. Probably dollar for dollar if you DIY like me. I'm not planning to spend much more than $1/watt. there are intangibles that tip the scale,like the fact that you’re contributing to fighting climate change. You made me realize that I'm currently adding $16/month to my P...
by RustyShackleford
Tue Nov 05, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1075

Re: payoff period for viable solar ?

I have a 90kw Tesla, but my understanding is that warranties are void if I try to use it that way. If they know. If you are at all interested, this thread describes how I did it on my Leaf: https://www.mynissanleaf.com/viewtopic.php?f=37&t=13097&sid=4b11113c6d7560428f3ff0616ddc1882 but definitely d...
by RustyShackleford
Tue Nov 05, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1075

Re: payoff period for viable solar ?

The added value to the house is difficult to predict. That article by Lawrence Livermore (in my OP) seems pretty reliable, at least if you're in one of the areas they studied - which I am. OTOH, folks in the solar forums think I'm foolish to consider that, that I need to see a payback from POCO sav...
by RustyShackleford
Mon Nov 04, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1075

Re: payoff period for viable solar ?

In MA, net metering is legislated to last 25 years. Afraid my state isn't quite that enlightened; in fact, seems like a miracle we have it at all. Additionally, for me ...being immune to grid outages (requires batteries) That increases the cost and complexity of a solar system signifcantly. I do ha...
by RustyShackleford
Mon Nov 04, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1075

Re: payoff period for viable solar ?

There are a bunch of variables to consider, many of which may change over the life of the panels (20 years, give or take.) Google's Project Sunroof (https://www.google.com/get/sunroof) has many of these variables figured into the equation you're looking for: net present value. The 20-year NPV for m...
by RustyShackleford
Mon Nov 04, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: payoff period for viable solar ?
Replies: 17
Views: 1075

payoff period for viable solar ?

What would you all say is a payoff period - ratio of cost of installation to payback per year - that makes a solar PV installation economically viable ? Perhaps a range of numbers between where it definitely makes sense and where it definitely doesn't. I suppose you have to assume something about in...
by RustyShackleford
Mon Oct 14, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2256

Re: Your brokerage Consolidated Form 1099 is now available

Haha, this entire thread (and all the ones merged in) could be summarized in about two sentences. Oh well. Thanks, Vanguard.
by RustyShackleford
Mon Oct 14, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2256

Re: weird message from Vanguard re. new 1099

aristotelian wrote:
Mon Oct 14, 2019 2:13 pm
I wonder if it is supposed to be a reminder for people who are filing at the extension deadline?
I think so. I think I said so :-)
by RustyShackleford
Mon Oct 14, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2256

[Vanguard glitch] Your brokerage Consolidated Form 1099 is now available

[Title was "weird message from Vanguard re. new 1099", see below. --admin LadyGeek] Am I the only person who just received an email from Vanguard stating that "your consolidated form 1099 is now available" ? I received mine on schedule earlier this year. Thinking this could be a corrected one, but ...
by RustyShackleford
Mon Sep 23, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: dollar value of being able to make an IRA contribution
Replies: 13
Views: 1122

Re: dollar value of being able to make an IRA contribution

Seems like it's a tortured path to believe I'm better off going MFS for now, saving those few dollars on taxes, and forgoing the Roth contribution. I have to not end up paying substantial taxes on the growth of that $7k I kept in taxable, which means that growth has to be mostly LTCG (no problem) an...
by RustyShackleford
Mon Sep 23, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: dollar value of being able to make an IRA contribution
Replies: 13
Views: 1122

Re: dollar value of being able to make an IRA contribution

dodecahedron wrote:
Mon Sep 23, 2019 8:49 pm
No, the Spousal IRA is only allowed if OP uses MFJ status. That was the original point of the question.
Bingo !

And yes, no earned income for me; only my wife.
by RustyShackleford
Mon Sep 23, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: dollar value of being able to make an IRA contribution
Replies: 13
Views: 1122

Re: dollar value of being able to make an IRA contribution

lakpr wrote:
Mon Sep 23, 2019 7:08 pm
If you have earned income...
I am retired.
by RustyShackleford
Mon Sep 23, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: dollar value of being able to make an IRA contribution
Replies: 13
Views: 1122

Re: dollar value of being able to make an IRA contribution

Yes, and the big issue is that if you need to file MFS to get the 0% tax rate on LTCG and dividends, the formula for taxable SS will hit you especially hard. Well, by then she will have retired (only 2 years younger than my 66yo), so even filing MFJ we should have plenty of space in the 0% QDI/LTCG...