Search found 24 matches

by zip605
Thu Feb 06, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Manual Transmission + Electric Parking Brake?
Replies: 58
Views: 3250

Re: Manual Transmission + Electric Parking Brake?

I have driven a 2017 Civic manual with “electric parking brake” and “brake hold” often. With “brake hold off”, the car will hold on a hill for about 1-2 seconds after taking foot off the brake. Easing out the clutch disengages the brakes immediately, so if you are quick on switching from brake to ga...
by zip605
Tue Aug 13, 2019 3:37 pm
Forum: Personal Investments
Topic: DFA (Dimensional) Portfolio Keep or Jettison?
Replies: 22
Views: 1860

Re: DFA (Dimensional) Portfolio Keep or Jettison?

When I retired I took my pension in a lump sum and had an advisor company invest. They would send my several sheets of sold/buy confirmations every month. They advised there was no AUM but I eventually felt that commissions and ERs were taking a bite out of earnings. Plus the large data dump every m...
by zip605
Wed Feb 27, 2019 1:57 am
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6957

Re: $5000 water bill-Help!

Someone replied that you shouldn’t have to pay for sewage because the leaking water was clean water. Clean water or not, it went into the sewer drain system and mixed with all the other sewer water. It needs to be treated and that treatment costs the same whether or not it started out clean.
by zip605
Sat Feb 16, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Renting a car for 30 days or more
Replies: 11
Views: 1187

Re: Renting a car for 30 days or more

American express has a program that will cover car insurance for 45 days, as primary insurer. Depending on what coverage amount, it costs $15 or $25 per rental. It was kind of hard to find on their web site but it’s there, or you could try calling. Even if you don’t charge the card for anything else...
by zip605
Mon Jan 14, 2019 10:42 am
Forum: Personal Investments
Topic: Mega-backdoor Roth has a loss
Replies: 13
Views: 1485

Re: Mega-backdoor Roth has a loss

DrGoogle2017: I understand Roths. You’re missing the point. I’m not taking a Roth distribution. The 1099R distribution is from the post-tax account in the 401k, which lost money between the time it was deposited into the 401k and the time it was distributed out in order to convert TO Roth. To my thi...
by zip605
Sun Jan 13, 2019 10:25 pm
Forum: Personal Investments
Topic: Mega-backdoor Roth has a loss
Replies: 13
Views: 1485

Re: Mega-backdoor Roth has a loss

1099-R box 1 is equal to box 5. The value is less than the employee contribution, ie. it reflects the loss. The actual employee post-tax contribution is/was determined from the administrator managing the 401k account.
by zip605
Sun Jan 13, 2019 5:40 pm
Forum: Personal Investments
Topic: Mega-backdoor Roth has a loss
Replies: 13
Views: 1485

Mega-backdoor Roth has a loss

Exactly how is a loss handled when a Mega-backdoor Roth conversion/distribution shows less money made it into the Roth than was put into the 401k after-tax account? This tax year (2018) could see a lot of people experience this. I understand why gains are taxed. The 1099-R form shows the employee co...
by zip605
Mon May 28, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Replies: 50
Views: 9307

Re: Variable Percentage Withdrawal (VPW) for Advanced Users

Why not call it VPWA so as not to confuse it with the traditional version.
by zip605
Sat Feb 03, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: VPN for account security
Replies: 12
Views: 2259

Re: VPN for account security

I use free VPN client software on my ipad to secure communications when away from home. I enable it if i’m going to login to my account when on vacation or anytime away from my home. It encrypts all data before it leaves my device (ipad, pc, etc). I feel it’s better than any security scheme or VPN p...
by zip605
Sun Jul 16, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Time replace washer and dryer [back of dryer so hot it burnt me]?
Replies: 21
Views: 2994

Re: Time replace washer and dryer [back of dryer so hot it burnt me]?

Dryers need a component to regulate the amount of heat used to dry the clothes. Knits vs cotton vs other have different temp requirements and a way to select the desire temp. I suspect something in this circuit has gone bad. If you are not a handy DIY person, get someone out there to check your drye...
by zip605
Tue Jun 13, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 4843

Re: House softener system

Water will not get slimy from being over softened. Properly softened water will feel slippery because the magnesium and some other stuff cannot form soap "scum" in soft water. This scum is what takes away the feeling of slippery. "Scum" also forms that ring around the tub. You can not over soften wa...
by zip605
Tue Apr 25, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 3123

Re: Fiberglass batt in basement ceiling

Fiberglass batts might retard air flow but only very slightly. The batts must be backed by material that blocks air flow, like drywall or solid floor. Any minute air leakage will show up over time as dirty fiberglass, as the dust in air is captured by the fiberglass as the air passes through. The fi...
by zip605
Mon Apr 17, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 5744

Re: New HVAC - Assessing Quotes?

Head over to "hvac-talk" web site and ask for advice. You will get some excellent advice from actual installers and industry experts. A unit as old as your old one is operating at much lower than 80% efficiency. New windows plus a new furnace and/or AC will make any equipment size/capacity compariso...
by zip605
Tue Feb 21, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 8420

Re: Do you replace your electrical switches/outlets or use an electrician?

Pay attention to duplex outlets (most common type that can accommodate two plugs) that have one socket controlled by a switch and the other socket always powered. The installer (you in this case) must bend off a piece of metal that joins the two sockets to make each socket separate circuits. Careful...
by zip605
Thu Nov 10, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Replace AC Coil?
Replies: 18
Views: 3060

Re: Replace AC Coil?

Rust out the drain is not due to compressor failure. the rust is from the A-coil drain pan. the coil may be in good shape but the steel pan the coil sits in is rusting. You might be able to get a new pan only, but I don't know if that is a typical repair. Check with some other HVAC service companies.
by zip605
Tue Sep 15, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: 20th Century Stereo in a 21st Century World
Replies: 71
Views: 9169

Re: 20th Century Stereo in a 21st Century World

Do not connect audio out to your phono inputs even though (if) they have compatible RCA sockets. The phono inputs are likely to be designed for phono cartridges that output a RIAA curve signal. The amplifier will then boost the low frequencies and attenuate the highs to make the phonograph sound "no...
by zip605
Mon Aug 10, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 30
Views: 4879

Re: Boglehead Hawaii

The best investment prior to your trip would be the book (and/or iphone app) "the big island revealed", mentioned earlier. We've been to the big island a few times, and always bring along the book. It was just updated a month or two ago, so it ought to be very current. If there is any place worth vi...
by zip605
Thu May 21, 2015 5:58 pm
Forum: Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 9664

Re: Medicare supplemental insurance

I have high deductable F as does the DW. My understanding is that no underwriting is permitted by law if one is in the initial enrollment period, for any plan. Once out of the enrollment period, underwriting is permitted (and probably likely). A person might even be denied into a plan is they trigge...
by zip605
Tue Jun 10, 2014 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to Medigap
Replies: 14
Views: 2330

Re: Medicare Advantage to Medigap

I'm in Illinois. I switched from a MA plan to traditional Medicare and a Plan F Hi-deduct. I seem to remember needing to answer about 40 questions for the underwriting. Luckily I have no medical issues so I was accepted. This was a year or two after my guaranteed enrollment period. I will make sure ...
by zip605
Tue Oct 01, 2013 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act: Website Down
Replies: 62
Views: 5825

Re: Affordable Care Act: Website Down

Ged, The wife's COBRA, close to an ACA Gold plan, will run out end of November. No insurance until Jan 2014, when it will be either ACA or Mega-corp. If Mega-corp is the better deal, then I must sign us up in October ( unless there is some rule for when COBRA expires). As I understand it, my wife ca...
by zip605
Tue Oct 01, 2013 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act: Website Down
Replies: 62
Views: 5825

Re: Affordable Care Act: Website Down

I don't think everyone has months of time to wait for the ACA websites to get up to speed. For example, I need to decide if I should sign up for my Mega-corp retiree medical plan to get their coverage for my wife, or sign my wife up for An ACA plan. Because the Mega-corp plan enrollment ends around ...
by zip605
Mon Mar 04, 2013 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 866
Views: 285083

Re: Retiree Roth Conversion Decision Model

I don't know of an easy way to make a copy available, but the addition to show the average tax rate is simple enough. I know just enough of excel to be dangerous. I believe what I am doing is correct, but I disclaim any responsibility (standard disclaimer). I'm using the Model version 13.1. On the R...
by zip605
Sun Mar 03, 2013 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 866
Views: 285083

Re: Retiree Roth Conversion Decision Model

Hi again, Two additions I made to my copy of the model might be useful to others. 1. On the RESULTS tab I created a chart of the AVERAGE TAX RATE, similar to the MARGINAL TAX RATES. I located the new chart just below the MARGINAL chart. Its inputs come from the BASE and ROTH tabs which have the valu...
by zip605
Wed Feb 27, 2013 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 866
Views: 285083

Re: Retiree Roth Conversion Decision Model

Great tool (v13.0). Just what I was looking for. Is there some support in the tool to have the Roth conversion cost (tax) calculated as part of the tIRA conversion/withdrawal. In other words, the tax is deducted from the tIRA funds, and not from the taxable account(s)? What if the taxable accounts v...