Search found 793 matches

by samsoes
Sat Aug 11, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1989

Re: Sucking up to make more money?

afan wrote:
Sat Aug 11, 2018 9:32 am
Sucking up is simply part of the job. Like coming to work.
I prefer being a thorn in the side.
by samsoes
Mon Aug 06, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24209

Re: most compelling TV character ever

Hank Hill (King of the Hill). Just an honest, hardworking, conservative family man who is surrounded by whack jobs, including his wife, son, and best friends.

I can relate.
by samsoes
Sun Aug 05, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6834

Re: Best way to lose $200 in taxable income?

An early withdrawal penalty from a CD. These are above-the-line AGI income reductions. Open a CD, close it soon after, but before it matures. Calculate first what the penalty would be so you at have to do this too many times. This sounds like an excellent idea if it's really true: that a bank can i...
by samsoes
Sun Aug 05, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6834

Re: Best way to lose $200 in taxable income?

CULater wrote:
Sun Aug 05, 2018 3:53 pm
Unfortunately, I believe that things like gambling losses and charitable contributions don't come off AGI and it's AGI that Medicare Premiums are based on.
See my above post. Open and break a CD. Above the line dediction.
by samsoes
Sun Aug 05, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6834

Re: Best way to lose $200 in taxable income?

An early withdrawal penalty from a CD. These are above-the-line AGI income reductions.

Open a CD, close it soon after, but before it matures. Calculate first what the penalty would be so you at have to do this too many times.
by samsoes
Wed Aug 01, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Hitting Milestone Early, and the Fiancee Response!
Replies: 20
Views: 4047

Re: Hitting Milestone Early, and the Fiancee Response!

Nissanzx1 wrote:
Wed Aug 01, 2018 10:07 am
Dottie57 wrote:
Wed Aug 01, 2018 9:45 am
How is a Fiancée involved?
+1 used the word "we"

Please be cautious of co-mingling funds with someone you aren't married to. Been there, done that, got the T Shirt. It went badly.
"Separate but equal" is the preferred scenario. If it can't be equal, it still should be separate.
by samsoes
Sat Jul 07, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Experience with Generac or Champion generators
Replies: 9
Views: 596

Re: Experience with Generac or Champion generators

I had a Generac stand-by unit (with a transfer switch) installed in 2014. It has been rock-solid reliable the few times I've lost power, especially during the Nor'easters this spring. My sump pump, furnace, water heater, well pump, lights inside the house were working well while the rest of the neig...
by samsoes
Fri Jul 06, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: sell vti buy vnqi [sell Vanguard Total Stock, buy Global ex-U.S. Real Estate]
Replies: 6
Views: 529

Re: sell vti buy vnqi

Please consider dropping REIT's from your taxable account. Very tax-inefficient, and (for me, when I had them in taxable) the cause of many corrected 1099's and amended returns.
by samsoes
Wed Jul 04, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 4888

Re: Health Care in "Early" Retirement

Steve - Thanks for your reply. According to the ACA website, losing coverage qualifies you to enroll. So if I just dropped my existing coverage by not paying the premium, I believe I would be permitted to enroll in an ACA plan. Careful - I believe that once COBRA is elected, you cannot switch to AC...
by samsoes
Sat Jun 16, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17081

Re: Should I take possession of a certified mail?

chrisjul wrote:
Sat Jun 16, 2018 12:14 pm
Might as well sign for it.....to see what's coming.
Nope. Not a chance.
by samsoes
Sat Jun 16, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3035

Re: Job in MA, live in MA, RI, or CT?

FireHorse wrote:
Fri Jun 15, 2018 9:20 pm
Billius wrote:
Fri Jun 15, 2018 5:53 pm
Another CT resident here advising not CT. The wife and are I getting out ASAP when she wraps up with school next year.
Also CT here. Wondering where you are moving to?
Same here. It's paralyzing to try to figure out where to move once achieving FIRE.

Anywhere but Connecticut.
by samsoes
Fri Jun 15, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3035

Re: Job in MA, live in MA, RI, or CT?

You also have to be very careful due to the issues with foundations in CT. Years ago poorly made concrete is causing houses to be made unlivable due to them crumbling. Great point. Fortunately, my home was built in 1956 and is not affected. Here's more info: https://www.nytimes.com/2016/06/08/nyreg...
by samsoes
Fri Jun 15, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3035

Re: Job in MA, live in MA, RI, or CT?

bottlecap wrote:
Fri Jun 15, 2018 12:14 pm

Connecticut’s a horror show.
Agreed. Stay away from Connecticut. Skyrocketing taxes, massive state and local budget deficits, brain drain, and corruption. Soon to be a domestic banana republic.

(Born, raised, and a lifelong resident of this cesspool.)
by samsoes
Thu Jun 14, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17081

Re: Should I take possession of a certified mail?

There must be a similar dynamic here. If you don't drive down to the post office, stand line, collect the letter--guess what, nobody is going to come to your house and arrest you. You will not lose your court case. You will not be admonished. Nothing will happen. The only thing--you won't know what...
by samsoes
Thu Jun 14, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17081

Re: Should I take possession of a certified mail?

Jimbo9911 wrote:
Thu Jun 14, 2018 10:01 am
Goodness gracious.
If someone knocks on your door do you go and hide?
Jim
That's why doors usually have peep-holes and (more recently) cameras can be installed to see who's at the door.
by samsoes
Wed Jun 13, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17081

Re: Should I take possession of a certified mail?

I can't believe some people here would refuse to accept a certified letter. One of the ressons previously stated is that the sender is attempting to establish a paper trail. Does anyone here really believe that refusal would serve to disrupt the paper trail? Refusal would be a significant disadvant...
by samsoes
Wed Jun 13, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6051

Re: Anyone with a paid off house drop homeowners insurance

Every year I have the same dilemma. My home insurance is due for renewal next month. And I just hate writing a check for $700 a year for a house appraised at approx. $240,000 when I could self insure if the whole thing burned down. And I basically I don't trust insurance companies, they are out to ...
by samsoes
Wed Jun 13, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17081

Re: Should I take possession of a certified mail?

I can't believe some people here would refuse to accept a certified letter. One of the ressons previously stated is that the sender is attempting to establish a paper trail. Does anyone here really believe that refusal would serve to disrupt the paper trail? Refusal would be a significant disadvant...
by samsoes
Wed Jun 13, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: No Roth 401k - Workaround?
Replies: 9
Views: 831

Re: No Roth 401k - Workaround?

Asking for a friend who just got a new job with a 401k, but no roth option. Can he do in-service rollovers to IRA and then convert to Roth as a work around? Any potential issues with this route? 1) Contribute maximum to traditional 401k 2) Do an in-service roll over (prior to the end of the year) t...
by samsoes
Wed Jun 13, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17081

Re: Should I take possession of a certified mail?

If it were me,I wouldn't accept the letter.

What good news has ever come from an unexpected certified letter, except perhaps from the estate attorney of a rich relative?
by samsoes
Wed Jun 13, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Convert Taxable account to Roth IRA to avoid wash sale?
Replies: 14
Views: 652

Re: Convert Taxable account to Roth IRA to avoid wash sale?

Is it a good idea for me to request the firms to convert my current taxable account in to a Roth IRA? Because the money invested in the taxable account is already post-tax, i thought it might fit the Roth requirement. There is a maximum contribution level of $5500 per year ($6500 after age 50) into...
by samsoes
Fri Jun 01, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Umbrella Insurance Policy
Replies: 18
Views: 2035

Re: Value of Umbrella Insurance Policy

Be aware that an Umbrella policy does not protect assets. That's a misconception.

If you have $1M in assets and a $1M Umbrella policy, that just puts $2M up for grabs in a lawsuit.
by samsoes
Thu May 31, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help, Huge Decision
Replies: 26
Views: 4355

Re: Please Help, Huge Decision

Is the $10k Money Market in a tax-advantaged account (IRA, 401k, 403b, etc.), or is it in a regular taxable account?
by samsoes
Thu May 31, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

We are moving in a few weeks. At my new place I will replace my tplink with google mesh for further security "Google security" is an oxymoron. They already know more about you than anyone else. Don't give them control of your network as well. I'm trying g to de-googlize myself the best I can. I dis...
by samsoes
Wed May 30, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

Many devices fail the POST (Power On Self Test) when powering on. We had this problem at Megacorp whenever a piece of networking equipment had to be powered-down for whatever reason. Oftentimes one of them just wouldn't come back up. Having designed and written a good many POST: if the system fails...
by samsoes
Wed May 30, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

They already know more about you than anyone else. That is more of a privacy issue. Do you have any reason to believe Google hardware is less secure? Yes. Google monetizes us anyway they can. Allowing them to control one's home network is just gives them more opportunity to collect data to increase...
by samsoes
Wed May 30, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

Many devices fail the POST (Power On Self Test) when powering on. We had this problem at Megacorp whenever a piece of networking equipment had to be powered-down for whatever reason. Oftentimes one of them just wouldn't come back up. Having designed and written a good many POST: if the system fails...
by samsoes
Wed May 30, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

They already know more about you than anyone else. That is more of a privacy issue. Do you have any reason to believe Google hardware is less secure? Yes. Google monetizes us anyway they can. Allowing them to control one's home network is just gives them more opportunity to collect data to increase...
by samsoes
Wed May 30, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

jayk238 wrote:
Wed May 30, 2018 9:28 am
We are moving in a few weeks. At my new place I will replace my tplink with google mesh for further security
"Google security" is an oxymoron. They already know more about you than anyone else. Don't give them control of your network as well. I'm trying g to de-googlize myself the best I can.
by samsoes
Wed May 30, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9245

Re: Router hack, have you acted?

We turn ours off every night before going to bed. Hopefully, that provides us with some protection... Why would folks leave it on if you are sleeping? Many devices fail the POST (Power On Self Test) when powering on. We had this problem at Megacorp whenever a piece of networking equipment had to be...
by samsoes
Wed May 30, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 18
Views: 2006

Re: Reverse Mortgages

ow is it different than a HELOC? For one thing, the origination fees. For HECMs HUD permits fees up to 4% of the market value of the property. Generally, for conventional mortgages/HELOCs origination fees (often much less than 4%) are calculated on the loan amount only. Quite a racket. Also the cos...
by samsoes
Wed May 30, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7230

Re: get sued for posting nagative online review?

NoHeat wrote:
Tue May 29, 2018 9:49 pm
Alexa9 wrote:
Tue May 29, 2018 9:34 pm
Make sure your reviews are anonymous just in case.
You are not truly anonymous. A subpoena will reveal your identity.
Not if you use a VPN and an anonymous email.
by samsoes
Tue May 29, 2018 2:41 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2550

Re: Solid Raw wood from South Africa infestation?

Throw it on a campfire and be done with it.
by samsoes
Mon May 28, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3456

Re: Cruise ships for multi-generational family

There's no way I'd ever agree to spend time on a floating Petri dish called a cruise ship (and I am in no means a germophobe). Spending time with Mickey the Rat on a Disney cruise would just add to the awfulness.
by samsoes
Mon May 28, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Mom's LTC policy renewal
Replies: 9
Views: 830

Re: Advice for Mom's LTC policy renewal

$963 per year? That's a steal. Pay that premium today before they change their minds.
by samsoes
Mon May 28, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 18
Views: 2006

Re: Reverse Mortgages

Lump sum distributions from reverse mortgages should be illegal. My brother's in-laws -- sweet elderly couple in their 90's -- were convinced by their youngest son that he needed the money (from their house - maximum reverse mortgage lump sum) for some get rich quick scheme. Well, he never got rich....
by samsoes
Sun May 27, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12657

Re: done with Gmail

+1 for Protonmail. PM can be configured to be used with an email client like Outlook or Thunderbird (IMAP or SMTP) using a background program called Protonmail Bridge which does all the encryption and decryption between the email client and PM service seamlessly. https://protonmail.com/bridge/ For t...
by samsoes
Fri May 25, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2932

Re: Quicken - Do you use it?

Question: Can you use an old version without paying Quicken? I use the 2017 version but do not download from the securities prices You can import security prices into an expired subscription version of Quicken using a simple CSV (comma separated values) file. File -> File Import -> Import security ...
by samsoes
Tue May 22, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2932

Re: Quicken - Do you use it?

Received my first Quicken program for Christmas in 1993. I've been using it ever since, upgrading along the way. My entire financial life is in it, in gory detail. I manually enter and categorize every transaction: credit card, bank accounts, and all investment accounts, including 401ks over the yea...
by samsoes
Sun May 20, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2586

Re: When to and when not to “reinvest dividend and capital gains”

Automatic reinvesting of divs/cg can cause problems if you would like to Tax Loss Harvest (TLH) in your taxable account. All the small lots purchased by automatic reinvesting (especially monthly) -- even if the small lots are in the tax-advantaged accounts -- can trigger a wash sale with regard to t...
by samsoes
Wed May 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13083

Re: how do you tip on wine at a restaurant

$5 per person reminds me of my grandfather. He tipped 25 cents per person, regardless of the bill or venue. Coffee shop donuts? 25c/pp. Steak dinner? 25c/pp. That was his rule and it saved him a lot of money. You're grandfather sounds like my kind of guy! :sharebeer With a 25c/pp tip - if you retur...
by samsoes
Wed May 16, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13083

Re: how do you tip on wine at a restaurant

snackdog wrote:
Wed May 16, 2018 3:00 pm
$5 per person reminds me of my grandfather. He tipped 25 cents per person, regardless of the bill or venue. Coffee shop donuts? 25c/pp. Steak dinner? 25c/pp. That was his rule and it saved him a lot of money.
You're grandfather sounds like my kind of guy! :sharebeer
by samsoes
Tue May 15, 2018 7:32 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 3357

Re: How did you fall in love with investing?

wander wrote:
Tue May 15, 2018 5:58 am
I consider investing is part of life, not too much about love.
Agreed. Just like colonoscopies. No love, just something ya gotta do.
by samsoes
Mon May 14, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 96
Views: 11202

Re: Warning: avoid Windows 10 update 1803

Just saw this today in my inbox, thought it was relevant to the thread. Charles Lewis from Florida, USA sent us the following alert which he also posted as a comment on one of Brien Posey's articles on our techgenix.com site: Installed the Windows 10 (Pro) 1803 upgrade on one system April 30 and on...
by samsoes
Sat May 12, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Mutual fund v. ETF
Replies: 7
Views: 821

Re: Mutual fund v. ETF

Try to think of it this way: if you buy or sell an ETF, you're buying from or selling to another person who is selling or buying. This is just like stock trading; trades are among buyers and sellers. With mutual fund transactions, you are buying from the MF company or selling to the MF company. (MF ...
by samsoes
Fri May 11, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5262

Re: Anyone buy carbon offsets when flying?

SuperGrafx wrote:
Fri May 11, 2018 10:06 am
DanMahowny wrote:
Fri May 11, 2018 9:28 am
No moral dilemma here. In my view it's a complete waste of money. Sorry man.
100% agreed.
It's guilt money. Total waste.
by samsoes
Fri May 11, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24209

Re: most compelling TV character ever

Mark Lenard as Ambassador Sarek (Spock's father).

I quoted him recently in a conversation about a very argumentative person:

"Tellrites do not argue for reason. They simply argue."
by samsoes
Thu May 10, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2367

Re: how to figure that shoes need replacing

When the bottoms of your feet get wet when you walk through wet grass or on wet pavement.
by samsoes
Thu May 10, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 96
Views: 11202

Re: Warning: avoid Windows 10 update 1803

Updated my laptop today, Windows deleted Dolby Home Theater software from my laptop without permission. I don't think this was Microsoft software. Why gives them the right to delete software from my machine? (yea, I know, some EULA that I likely signed on OS install) That's really unconscionable an...