Bogleheads.org

killjoy2012

Thanks. Yes, looks like I'm going to have to workout the math on the last pay stub of the year to figure it out.

killjoy2012

Thanks for the 2 quick replies. Does this also make sense to you? If I edit my W2 entry in HR Block software and temporarily change Box 12 Code W to $0, it has no effect on my taxes owed. Does that sound right? I'm not a big fan of blind trust in my employer to just put the right numbers in W2 boxes...

killjoy2012

Hi Everyone. I'm currently working on my 2020 taxes using HR Block software. Ran into a problem regarding HSA contribution deductions. Please help as I'm giving myself a massive headache trying to figure this out. Through tax year 2019, I had always contributed directly to my HSA account -- meaning ...

killjoy2012

Laphroaig 10 is hard to beat in terms of value. Solid offering for ~$50/bottle.

familythriftmd wrote: ↑Mon Feb 01, 2021 11:00 am Is it even possible to have a domestic Scotch? I thought it had to be from Scotland to be a Scotch.

Correct. 3 years maturing in a cask in Scotland, minimum.

killjoy2012

My experience is that during a metro area power outage (e.g. not a single house or block), even if I have a generator, the cable head end will run on battery backup for 2-4 hours and then die. If any of the fiber providers are available at your address (FIOS, ATT Fiber, Google), those would probable...

killjoy2012

Download Discord, create an ID, join a "stock drop" server and monitor it 24x7 until you get lucky. It's about the only way you'll get a PS5, AMD CPU or Nvidia 3k series GPU at the moment. People are camping out at Microcenter (old school, like Black Friday used to be) daily just on a hope...

killjoy2012

Assuming your company match is capped at some match %, no, you'd be further ahead to contribute up to over over that max throughout the calendar year. Otherwise, you'd be giving up that company match after you cut back/off the 401k contributions. If you're company matches everything w/p limit, sure,...

killjoy2012

I also work in IT. Mild burnout is common. I personally don't think it has anything to do with compensation or quality of one's boss. You can have a great boss and be well paid, and still suffer some level of burnout. The reality is most people in IT, especially those in management or tech leadershi...

killjoy2012

it began (1985) we were living in Upper Michigan and a few of the guys' jobs were intense up til tax filing on April 15. ... As a Yooper (and current Alabama resident) returning north to play in the summer would be intriguing. When my turn comes around, I will suggest your Wisconsin venue. These lo...

killjoy2012

If it's a 12V, 75AH+ deep cycle battery, yes, it should work. Without a link to the specific battery they're talking about, it's hard to say. Not sure what the 24 in the description you provided standards for -- could be group size, voltage or something else. If it were me, I'd also be looking for a...

killjoy2012

Completely different types of cars. Not sure how you go from a van or large SUV to a model y (small) as if you're comparing apples to apples. Model X would the closest thing and that smaller too.

killjoy2012

Purchased a Rheem 13 years ago, I've replaced the anode 2x - 30 minute job including draining and refilling the tank using an air impact wrench. If you're capable of changing your own oil, then changing the anode is a breeze. I wouldn't replace a WH just for efficiency, or if you are, then at least ...

killjoy2012

Curious for those who have a generator in case power goes out at your residence, how did you decide on which one to buy? * Expected load * 120 vs 240V supply requirement * Cost * Fuel availability * Historical frequency of power outages * Damage /Impact if without power for days/weeks * Portability...

killjoy2012

The amount is less than two btc. We are now talking to CPA about this to be sure everything is above board No crypto in our portfolio so never really followed. It will be interesting to see where this leads. I'd also discuss tax implications with that CPA, as I do believe, and I am not a CPA or a t...

killjoy2012

It's hard to beat Denon in the $400-800 range. You'll likely get a reliable, feature-rich receiver that will last you for 10+ years. Less than $400 is hard, since you'll likely be forced into sub-optimal brands that lack critical capabilities. e.g. video switching and transcoding at your required re...

killjoy2012

OP said they don't have family to worry about, but I do think that if there's any attachment to your current location (business, friends, etc.), you should probably also factor in travel costs - time and financial. For many in the NE and Midwest, FL is just a lot easier to pull off when you still ha...

killjoy2012

Can you run your valuation for this scenario: 2020: 500k cars sold. 2021: 750k cars sold. 2022: 1M cars sold. 2023: 1.5M cars sold. 2024: 2M cars sold. 2025: 3M cars sold. 2026: 4M cars sold. 2027: 6M cars sold. 2028: 8M cars sold. 2029: 12M cars sold. 2030: 16M cars sold. I think something like th...

killjoy2012

I think many people are underestimating what the competitive landscape will look like in 3 or 4 years. I also think many people overestimate the useful difference between 250 and 500 miles of range (I say this as someone who has driven EVs for 6.5 years). For most people, the difference will only c...

killjoy2012

I'm doing some financial maneuvering so as to be able to execute a backdoor Roth. Part of this involves moving & consolidating a couple rollover IRAs @ Vanguard into my current employer's 401k @ Fidelity. The challenge is the 401k only offers 3 low-ER index funds (SP500 FXAIX, Extended Market FS...

killjoy2012

How many years are you from retirement? 15+ years from retirement; late 40's now. Prime earning/accumulation years are ahead of me still (or so I hope!). In this interest rate environment I would not give up a 3% CD, since there is no way to make up that EWP by earning a higher rate than you had be...

killjoy2012

Bump. Any thoughts?

killjoy2012

Quick question I thought I'd bounce off the team... I have $34k sitting in a IRA (100% non-deductible funded; 8606'd every year) that I'd like to covert to a Roth using the Backdoor. I recently started a new job that has a 401k that allow roll-ins. My plan was to move all of my pre-tax IRA money int...

killjoy2012

He may be right if you're talking about housing in prime areas of capital cities or other towns where there's high demand. Other than that very small use case, I wouldn't be worried at all. His comments on the countries adopting the Euro and then cost goes up are accurate - seen this firsthand with ...

killjoy2012

Wow. Shutdown a discussion on cars now..ok Not sure why the immediate response from some is to shut down discourse. I'd love to see metrics from the mods here on how many warnings & reprimands have been handed out within car brand threads. I'm sure it's a large #. These threads usually devolve ...

killjoy2012

This thread is one of the reasons I think car discussions should be banned under the religion/politics rules. Everyone has an opinion, much of which is largely based on their personal experience or bias w/o any other real facts, and trying to use logic to explain/persuade just gets brushed off, or w...

killjoy2012

The Major matters, a degree in something like communications will be handed out if you show up for 4 years and have a pulse. Meanwhile, Engineering classes are going to require effort on a completely different level, and many people will need to retake classes x1000 At the risk of sounding arrogant...

killjoy2012

I'm going through the free Python training from MIT now. So, I'm gonna learn the basics of this no matter what, it seems like it would be applicable in a lot of my potential biology jobs anyway. This question isn't just specifically for you but all the IT people. How do you recommend I apply for th...

killjoy2012

I'd do whatever or whichever you have a passion for, and as best you can tell, has significant upward potential for employment and salary. I wouldn't choose based on just $ or projected employment figures, since if you hate what you do, you'll be miserable. I have some experience with cyber and IT. ...

killjoy2012

However, they're also running a promo on their Ultrawides for a $200 e-gift card (not sure what I'd get, maybe a new mouse and keyboard or maybe I could sell it). I guess the final decision is if the 38" is worth $310 more Just be careful on the "size" numbers when comparing monitors...

killjoy2012

SE2 is probably the best value.
12 or 12 Pro would be the best buy & hold strategy if you want better performance than the SE2.

killjoy2012

You are incorrect on #3. I just got one for below invoice w GM Military Pricing and Costco (4x4 High Country). Electing to take advantage of price discounts you're entitled to is not negotiating. Published GM Employee/Supplier/Military pricing and published Costco $1k off takes 0 negotiation. Emplo...

killjoy2012

As Jack mentioned above, people who haven't shopped the used car market recently may want to re-evaluate their stance. While I'd normally fully agree that buying 2-3 years used for half price is the best value option, the reality is that most of the used car market is currently priced insanely high....

killjoy2012

OP: I'm certainly not the most qualified here to answer you, but I think the net net of the responses here is that there's several ways to look at your situation - mathematically, emotionally, etc. The reality is you've done your homework, managed to acquire/save a significant amount and you're curr...

killjoy2012

I think the OP is kidding himself. Sure, if you don't like the idea of directly investing in the stocks of oil companies, by all means - don't. But I just have to laugh at the reference to Apple as a counter-example. I just ordered a new iPhone 12 Pro. You want to know how many components are made f...

killjoy2012

What happens when it stops a surge? Can it be reset, is there a disposable part to replace, or does the entire unit have to be replaced? No, it's disposable/consumable. You'll eventually need to replace it. I've had an Intermatic for 15 years and it's standing by still ready to protect. The only re...

killjoy2012

2020's are $6500 off and dealer's have already come down $3K off sticker with me on 2021's. I'm fortunate to be eligible for employee pricing. No, I'm not an employee. My price would be a couple thousand better than you've listed for a higher end AT4/Denali, which helps, but still barely makes a de...

killjoy2012

Are there any reasons not to do this? No If I have this done, are there different brands and which ones would be preferred? https://www.amazon.com/CHSPT2ULTRA-Ultimate-Protection-Length-Height/dp/B01AQAKRSS/ref=asc_df_B01AQAKRSS/?tag=hyprod-20&linkCode=df0&hvadid=198093823892&hvpos=&...

killjoy2012

1) The new 2021's are certainly 100% redesigned. New platform, frame, body, technologies, etc. Rearend is now IRS, G80 is gone. Transmission shifter is now push button - no more steering column. It's pretty clear if you own a previous generation, when sitting/seeing the new one up close, that it's v...

killjoy2012

1) For what the OP is planning, unless all travel destinations are urban, I'd have 2 cell plans available - Verizon & ATT ideally. 2) Ensure you have unlimited data on the device/phone plan, inc through tethering, and not a plan that speed caps tethering. 3) I'd expect to have a less than ideal ...

killjoy2012

The specs are more impressive but for everyday usability there is virtually no difference between the two. The major improvements for the iPhone 12 were given to both base and pro models (5G, OLED screen, A14 chip, magsafe wireless charging). The telephoto camera and the LIDAR scanner are probably ...

killjoy2012

The only difference between the regular and pro iPhone 12 models are the cameras and some minor cosmetic differences. From a non-technical consumer perspective, maybe. However, there's certainly technical spec differences between the 12 & 12 Pro justifying the $300 difference IMHO: stainless vs...

killjoy2012

I'd go with the 12 due to the newer CPU, 5G, OLED, etc. I just bought a 12 Pro to replace my 6. Contrary to posts above, I do believe there are good reasons to consider the 12 Pro (not max). I'd also suggest thinking through whether you want/need the Max vs. regular size. Cost was not a factor for m...

killjoy2012

What motherboards are early adopters of the AMD 5XXX CPUs using? The price of the CPU is one thing. I about had a heart attack when browsing the higher end x570 MBs as some are pushing $600 for the MB alone. The $600 motherboards are for hard core overclockers; there's no reason for a normal person...

killjoy2012

What motherboards are early adopters of the AMD 5XXX CPUs using? The price of the CPU is one thing. I about had a heart attack when browsing the higher end x570 MBs as some are pushing $600 for the MB alone.

killjoy2012

Hard to go bankrupt when you own the only money printing press.

killjoy2012

Backhaul in this context simply means how the network traffic is carried between the wireless access point & Internet router / cable modem. If you only have a single wifi router, then there really is no "backhaul" as it's all within the router. But if you setup a standalone access poin...

killjoy2012

I have a Black & Decker 36V line trimmer and blower. Both work well for my smaller, suburban ~5k sq ft lot. Well worth the price vs. wrestling with my old gas powered equivalents for such a small, weekly use. That said, I just blew leaves w/ my gas powered blower... there's no way the battery B&...

killjoy2012

Best solution would be to buy a couple APs (e.g. Ubiquiti) and install them on the top level of both ends of the house. Gigabit wired backhaul to your router.

Easiest solution would be a wireless mesh system. Probably more expensive and slower, but easier setup.

killjoy2012

I think it really comes down to whether the person is a technical power user or more of a lightweight, basic phone user. 12 is going have 5G, OLED, faster CPU. Maybe marginally better camera, wireless charging, size. SE2 is much cheaper, but you're also getting a phone that's roughly equivalent to a...

killjoy2012

Just seems a bit off that someone contemplating purchasing a $100k+ vehicle is worried about maintenance cost/savings on it vs. ICE. As if spending $100/year on 2 oil changes is somehow going to radically change the financial equation somehow. NEWS BREAK: ICE vehicles really don't have the much main...

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