Search found 1072 matches

by YttriumNitrate
Sun May 05, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 54
Views: 4077

Re: bare root trees - best place or website to purchase from?

The trees they sell are usually small (pencil diameter), but my favorite place for bare root non-fruit trees is my state nursery. At least for the Indiana state nursery, orders for the spring need to be put in before Thanksgiving if you want a decent selection. They sell trees in bundles of 100 or 5...
by YttriumNitrate
Sat May 04, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage or No Marriage? (Home, children, HSA, IRA, etc.)
Replies: 62
Views: 5464

Re: Marriage or No Marriage? (Home, children, HSA, IRA, etc.)

My fiancée and I are “new age” I suppose in that we were are considering living together as two high income people (both physicians) instead of marrying to avoid the marriage tax penalty. Are you sure there would be much marriage tax penalty? Under the new laws, it looks like two people, each makin...
by YttriumNitrate
Sat May 04, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to increase deductions on a rental property (HELOC?)
Replies: 15
Views: 914

Re: How to increase deductions on a rental property (HELOC?)

The de minimis safe harbor election threshold for what can be expensed is pretty high. ~$2500 from what I recall. Consider doing some improvements under this threshold so you can raise the rent. Of course, that will make showing a loss in the future even harder. :twisted:
by YttriumNitrate
Fri May 03, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Rotational Program at MegaCorp for college grad hires
Replies: 40
Views: 2691

Re: Rotational Program at MegaCorp for college grad hires

Isn't a main point of those rotational programs to groom people for management who have an understanding a several distinct portions of the business? From HR's perspective, allowing him to stay in one spot would likely "artificially hold[] my son back from being successful."
by YttriumNitrate
Tue Apr 30, 2019 1:16 pm
Forum: Personal Investments
Topic: IRS tax penalty 2018 - we paid more than 80% thro' paycheck withholding
Replies: 19
Views: 1516

Re: IRS tax penalty 2018 - we paid more than 80% thro' paycheck withholding

It looks like your withholdings were under the threshold set in January 16th guidance, but above threshold set in the March 22, 2019 guidance. Given the time periods involved, it would not surprise me if the IRS sent out some letters based on the January 16th guidance. https://www.irs.gov/newsroom/i...
by YttriumNitrate
Sat Apr 27, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Metal roof- anyone switch from asphalt to metal?
Replies: 12
Views: 1567

Re: Metal roof- anyone switch from asphalt to metal?

2 yrs ago I was seriously thinking about metal roof, then my insurance agent talked me out of it due to the higher premiums for ins. Apparently firefighters have a much harder time putting out a fire with a metal roof. So I roofed with asphalt shingle again. For my house in the Midwest, my insuranc...
by YttriumNitrate
Sat Apr 27, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: Uber IPO
Replies: 38
Views: 3254

Re: Uber IPO

My main concern with Uber is their lack of a moat. Following the various Uber scandals it seemed too easy for people to just switch to another service.
by YttriumNitrate
Fri Apr 26, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: General spending credit card
Replies: 17
Views: 1491

Re: General spending credit card

My wife and I use the Fidelity Rewards Visa Signature Credit Card. I get 2% cash back, which is automatically transferred into my Fidelity account. I can then withdraw it, or invest it. Thinking about retirement has become more important to us as we enter our mid 30's, so I am investing it. It's a ...
by YttriumNitrate
Wed Apr 24, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Computer shopping
Replies: 20
Views: 1357

Re: Computer shopping

My last two computers have been 2-3 year old gaming computers bought off Craigslist in the $300-$500 range. They tend to be good for everything but playing the absolute latest and greatest games at max settings. I'm not sure why I need a water-cooled CPU and monster GPU to do word processing and int...
by YttriumNitrate
Fri Apr 19, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6068

Re: At what point would you hire someone vs. cut down a tree yourself?

Spend $10-20 on a rope saw and you can safely cut down the dead branches yourself (have two people stand on opposite sides of branches). Something like this is what I used to take down some rather large limbs. https://www.ebay.com/itm/Professional-High-Cutting-Tree-Limb-Rope-Chain-Saw-2-Way-Action-C...
by YttriumNitrate
Tue Apr 16, 2019 12:01 pm
Forum: Personal Investments
Topic: Zapped by a genie
Replies: 10
Views: 1024

Re: Zapped by a genie

I'd tell my 28 year old self to invest in Enron, sell in July 2000. :D
by YttriumNitrate
Mon Apr 15, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 2152

Re: Do You Give Money to Panhandlers?

I never give money to people who are flat out begging, but I always give $2 bills to those that are making an effort to be street performers ... even the homeless trumpet guy who only knows the first 10 chords of the Star Wars theme. :happy
by YttriumNitrate
Fri Apr 12, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7435

Re: Soon to be dad, how to prepare

My advice would be to get your fill of in-theater movies and nice restaurants now. Also, if you haven't gotten a rocker, I'd suggest one like this: https://chicago.craigslist.org/nwi/bab/d/portage-fisher-price-bunny-infant-to/6860796145.html For the first few months my son would only sleep on someon...
by YttriumNitrate
Thu Apr 11, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Appraised vs Market Value of Home
Replies: 23
Views: 1660

Re: Appraised vs Market Value of Home

In Indiana, properties are assessed using this manual: https://www.in.gov/dlgf/4711.htm In general, assessed value is based off lot size and square footage of the house, so a house that has high end finishes will be assessed about the same as one that needs a major overhaul. Also, assessments are at...
by YttriumNitrate
Wed Apr 10, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should we build a new house?
Replies: 13
Views: 1422

Re: Can/Should we build a new house?

Trying to decide if we can or should build a new house. .... We have 3 small kids ... I also love the idea of a custom build but don't want to lose tons of $$$ should we end up selling in say 5 years. Even if you were certain you are going to stay in the area, building a custom house with three sma...
by YttriumNitrate
Tue Apr 09, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3838

Re: Is a work-at-home job have the same expectations as the office job?

I keep reading on Bogleheads about how people with work-at-home jobs are able to get a lot done during the day that is not work related. Things like care for infants, do appointments, or take care of household chores like laundry, making dinner, and the like. I did the work-at-home thing while also...
by YttriumNitrate
Mon Apr 08, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 for older sibling
Replies: 9
Views: 1115

Re: Using 529 for older sibling

For those living in states that allow a tax deduction for 529 contributions but plan on paying direct, here is a tax hack that will save you money.Before you need to pay for an allowed education expense, Put up to your state's limit in a 529 plan and keep it in a money market type option. Then, as ...
by YttriumNitrate
Sun Apr 07, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: How Much Term Life Insurance?
Replies: 56
Views: 3841

Re: How Much Term Life Insurance?

Age: 33 2 Children. 5 year old and 1 year old. Both have a little over $20K each in 529 plan. My income : $140K Wife income: $48K Net worth: $1.8M **** We spend around $40K a year. Biggest expense right now is daycare for both kids that runs around $1,400 a month. Well, my opinion would be that A) ...
by YttriumNitrate
Sat Apr 06, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1544

Re: Mtg pre-approval: 7 day turnaround, good for 120 days

mortfree wrote:
Sat Apr 06, 2019 7:16 pm
Pre- qualification letter versus pre-approval letter.
I could get a pre-qual letter with a quick online application.
Pre-approval carries more weight than pre-qual.
I guess the real question then becomes whether or not need403bhelp is in an area where pre-qual vs. pre-approval makes a difference.
by YttriumNitrate
Sat Apr 06, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Definite roof leak - roof inspector or roofing company?
Replies: 16
Views: 1418

Re: Definite roof leak - roof inspector or roofing company?

14 years seems young to replace a roof, but if your attic ventilation is bad maybe not. Also, the pitch of the roof, the quality of the shingles used, and the number of layers on the roof have an impact as well. If it's a second layer on a pitch you can easily walk with low quality (thin) shingles,...
by YttriumNitrate
Sat Apr 06, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Which lenders give mortgage pre-approval good for >4 months?
Replies: 23
Views: 1544

Re: Mtg pre-approval: 7 day turnaround, good for 120 days

I bought my last house back in 2016, so things may have changed but a per-approval letter was basically just something to let the buyer know you're serious and probably have the funds to go through with the transaction. From what I recall, getting "per-approved" takes about half an hour, with most o...
by YttriumNitrate
Fri Apr 05, 2019 2:00 pm
Forum: Personal Investments
Topic: Disastrous amount of brokerage transfer fee slapped by Trade Station?
Replies: 18
Views: 1330

Re: Disastrous amount of brokerage transfer fee slapped by Trade Station?

It's an amazing world we live in when a $99 fee for transferring money between brokerages is considered disastrous. For those of you that remember the 80s:
https://www.businessinsider.com/histori ... ons-2014-3
by YttriumNitrate
Fri Apr 05, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2752

Re: cost analysis on buying vs. renting skis?

Rule of thumb: If you’re not skiing enough to warrant buying a season pass, you should rent your equipment. So that's what, 3 days a year? :D I'm only slightly kidding as that's about how long it took me to break even on a Tahoe Value pass five years ago. Edit: 3 days may have been an overestimate....
by YttriumNitrate
Mon Apr 01, 2019 8:25 am
Forum: Personal Investments
Topic: Invest in cryptocurrency?
Replies: 19
Views: 1716

Re: Invest in cryptocurrency?

View ads for money? Ah, I remember doing that 20 years ago in college with AllAdvantage and other similar companies. The most interesting part was the ongoing arms race between the companies and the users trying to game the system. From what I recall, one of the later iterations involved my computer...
by YttriumNitrate
Wed Mar 27, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: What Texas college savings plan?
Replies: 5
Views: 419

Re: What Texas college savings plan?

Since Texas has no income tax, why limit yourself to plans offered by Texas?
by YttriumNitrate
Wed Mar 27, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Move 529 plan to new state?
Replies: 2
Views: 293

Re: Move 529 plan to new state?

California doesn't provide a deduction for the 529 plan, and Texas doesn't have a state income tax. It looks like the fees for California are a lower, so I'd suggest either A) keeping the funds in California, or B) moving them to another state. I believe the Nevada and Utah plans are quite popular.
by YttriumNitrate
Tue Mar 26, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
Replies: 101
Views: 14203

Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K

Question. I'm following up on some research I did a few years ago, and I came across something strange. Via the above link, I can still search for Dave's 401k, but recent years don't make sense. For example, in 2017, the report shows total holdings at $25 million. If this was just for Dave, it migh...
by YttriumNitrate
Tue Mar 26, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 3209

Re: Lock Strategy for New House

Medecos on a residential building, having spent some time in college try to learn how to pick locks I'm impressed. Medeco's are great for commercial properties since they are difficult to copy and provide much better control over how many people have access to their properties. On a residential prop...
by YttriumNitrate
Sun Mar 24, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Inspection Negotiations for New Home Purchase
Replies: 25
Views: 1758

Re: Inspection Negotiations for New Home Purchase

As the seller, I would have said no to all of those items either. I'm not renovating a home I am selling during contingencies; asking for a lot to be graded and catwalks to be built is just beyond the pale. I agree. My general rule is that only things that should be asked for/given after an inspect...
by YttriumNitrate
Sat Mar 23, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: Why past performance does not predict future?
Replies: 70
Views: 3225

Re: Why past performance does not predict future?

get_g0ing wrote:
Fri Mar 22, 2019 11:02 pm
When it comes to stocks or stock market, why is it said that past performance does not predict future performance?

That's not the standard saying. The saying is that "past performance does not guarantee future results."
by YttriumNitrate
Fri Mar 11, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Grocery budget too high? Are there threads here on this? I tried searching
Replies: 62
Views: 6682

Re: Grocery budget too high? Are there threads here on this? I tried searching

As a purveyor of pricey produce* my suggestion would be to eat what is in season. It is truly amazing how much influence timing has on the prices. If I can get a half-decent peach out a week or two before my competitors, I can easily charge 50% to 100% more than during the peak of the production sea...
by YttriumNitrate
Fri Mar 11, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: How much car to buy $$
Replies: 57
Views: 7847

Re: How much car to buy $$

deleted.
by YttriumNitrate
Thu Mar 10, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: How much car to buy $$
Replies: 57
Views: 7847

Re: How much car to buy $$

deleted.
by YttriumNitrate
Wed Mar 09, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 13155

Re: Life Insurance for person with false "Alcoholic" diagnosis

I certainly wouldn't offer to provide a death benefit to someone who ended up the hospital from binge drinking. I'm not sure why a life insurance company would think differently. From an insurance perspective, my guess would be that the problem is not that he engaged in a certain activity, but that...
by YttriumNitrate
Tue Mar 08, 2016 7:07 pm
Forum: Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 6989

Re: Buying a house with cash

deleted.
by YttriumNitrate
Tue Mar 08, 2016 2:26 pm
Forum: Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 6989

Re: Buying a house with cash

deleted.
by YttriumNitrate
Sat Mar 05, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Treadmill Accessories
Replies: 3
Views: 639

Re: Treadmill Accessories

deleted.
by YttriumNitrate
Fri Feb 26, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 8823

Re: Comcast negotiations

deleted.