Search found 116 matches

by fund
Tue Mar 13, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 1956

Re: Need Advice - Electric Hot Water Heater

You can get a mixing valve installed on the water heater itself which will allow you to use a smaller water heater. With the mixing valve installed, you turn up the heating elements to max temperature. The mixing valve is adjustable. It operates by mixing the max heated hot water in the tank with co...
by fund
Sun Feb 18, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5692

Re: Chillin' in the BH Lounge

If Taylor is in, it must be repeated, this thread is not likely deleted. Bogleheads is sometimes so darn serious, but I am smiling reading nisiprius. I've learned something here about balance and money, it's important to save but to also enjoy the ride, honey. [None of my rhyming is very witty, but ...
by fund
Thu Feb 15, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: I think I filed my back door roth incorrectly in Turbo tax
Replies: 8
Views: 752

Re: I think I filed my back door roth incorrectly in Turbo tax

I noticed that even after you get the federal entered correctly, you then need to go to state and tell TurboTax the basis again Sincerest apologies. Is this accurate? I've handled the backdoor roth in TT for the past few years. I initially ran into some difficulty my first time through, but eventua...
by fund
Wed Apr 19, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Selling classic car via consignment
Replies: 10
Views: 1259

Re: Selling classic car via consignment

Have a look at bringatrailer.com. I've neither bought nor sold via their service, but I do enjoy looking at their offerings. They've evolved into a lot more of an auction style format from their more humble beginnings. They conduct auctions of cars, so it's similar to eBay in that sense, but there's...
by fund
Mon Mar 27, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 9919

Re: Massive Student Loan Debt - Girlfriend

I've found this thread intensely fascinating. Count me in the camp of those who have argued that a person's personality and character are much more important - and yes, much more valuable - than the dollar value of student loan debt. If she's "wonderful" as you say, then I'm mystified about what the...
by fund
Sat Mar 25, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America bogus late payment fee.[temporary software glitch, gone now]
Replies: 52
Views: 9995

Re: Bank of America bogus late payment fee.

Simply don't cut it too close. This type of automatic payment is supposed to have a guaranteed crediting date. This totally takes the whole timing issue out of the picture. There's no such thing as cutting it close in this kind of setup. Assuming the money is in the bank that I have permitted them ...
by fund
Thu Feb 16, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 395

Re: Help with ROTH conversion

Also, you can preview your 1040 and see what's on lines 15a and 15b.
by fund
Thu Feb 16, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 395

Re: Help with ROTH conversion

I had this issue a couple of years ago - assistance from folks on this board helped me to figure out where I went wrong and I eventually got TT to treat everything correctly. I'm in a rocking chair at the moment on my iPhone trying to get our little one to go to sleep, so I'm not much help beyond as...
by fund
Sat Feb 11, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 48
Views: 11371

Re: Do I really need Turbotax premier?

Thanks, Choy. I didn't realize to click there. I saw the little green dots signifying the features. That must be why they phrase it as "additional help": Additional Help for investment sales such as stocks, bonds, royalties, mutual funds and employee stock plans. I read it entirely differently! As i...
by fund
Sat Feb 11, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 48
Views: 11371

Re: Do I really need Turbotax premier?

Maybe I'm mistaken about the download/CD version?

I apologize if so.
by fund
Sat Feb 11, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 48
Views: 11371

Re: Do I really need Turbotax premier?

No matter whether it's the online or the download/CD version of TurboTax, if you sold stock, it appears you do need the Premier version. See here for the comparisons: https://turbotax.intuit.com/personal-taxes/compare/online/ https://turbotax.intuit.com/personal-taxes/compare/desktop/ I can't speak ...
by fund
Thu Jan 26, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 5604

Re: 75 gallon hot water heaters

Another option you could look into is to have a mixing valve installed. Or if it can't be retroactively installed, to purchase a water heater that features a mixing valve. A plumber told us that this is an effective way to have a 50 gallon tank produce the equivalent hot water volume of a larger cap...
by fund
Thu Jan 12, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 2035

Re: Dishwasher Maintenance

abuss368 wrote:
BrandonBogle wrote:
abuss368 wrote:I am curious how many people run baking soda and vinegar in their dishwasher to keep it clean.
I never have, but I'm now thinking maybe I should?
Indeed. Now I want to find my instruction book!
Hah! I literally just had the exact same thought! :sharebeer
by fund
Mon Jan 09, 2017 8:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23479

Re: Sad News About a Respected Forum Member

I am very saddened to hear this. Wishing the greatest comfort to you and your family. Thank you for your selfless contributions and assistance to others.
by fund
Mon Jan 02, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Dividend Distribution
Replies: 28
Views: 4559

Re: USAA Dividend Distribution

Ours was also a quite a bit lower compared to past years.
by fund
Wed Nov 30, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 9164

Re: Should I buy a new car for safety's sake?

Really interesting thread, and a topic I often think about. I agree with several posters that the driver is the single most important safety "feature". If you're an aware and attentive driver, you're going to be a safer driver. And you'll avoid many accidents. Until you don't. No matter how good and...
by fund
Fri Sep 23, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Aeropress: cappuccino?
Replies: 11
Views: 2626

Re: Aeropress: cappuccino?

I'm also curious to hear what others may have to say. I use an Aeropress every morning. I drink my coffee black and without any sugar, but my wife loves cappuccinos and lattes, so this would be good to learn so I could make one for her. The only "trick" I can offer regarding the making of the actual...
by fund
Wed Aug 10, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 2751

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Edited: I scanned the thread pretty quickly and obviously missed jhfenton's post regarding using an 11sp sprocket on a 10sp cassette. I'm sorry for that. I looked again just now for that post but I'm clearly still missing where that is (or maybe I'm just not following what was explained). In any eve...
by fund
Wed Aug 10, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 2751

Re: Should I get a different cassette for my road bicycle? Currently 11-23

that's why i said replace the 11 and the 12. with this: http://www.ebay.com/itm/381725020052 Sorry if I missed that. Only thing is, isn't OP's cassette a 10sp? The ebay product is for 11sp. My cycling days are long behind me, but will an 11sp locking ring work properly on a 10sp cassette? I honestl...
by fund
Wed Aug 10, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 2751

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Couple of further thoughts: in addition to what Epsilon Delta pointed out, the final sprocket on a cassette is the locking sprocket. So replacing an 11 with a 12 will (could) work if you get a 12 locking (or final) sprocket. The 12 that sits behind the 11 that originally came with the cassette will ...
by fund
Mon Aug 01, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

I only suggested SSA use their established verification method for their extra security, not that they use your cell provider to do that for them. There is no reason to trust your cell phone provider for that. Presently to log in to your SSA account you provide any cell number of your choosing. Thi...
by fund
Mon Aug 01, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

I was thinking just now of some friends of mine who are still after many years on family plans of their parents'. But the same problem could arise between partners/spouses. One person is the account holder and the other is on the family plan. That second person would or could be impacted or affected...
by fund
Mon Aug 01, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

Being a Verizon customer, I now understand why I'm not getting the SAA text message. As someone else pointed out, only the government would not think of testing with the largest cell service provider. But, I'm confused about another aspect of this new 2FA. It's supposed to provide one more layer of...
by fund
Sat Jul 30, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Fiat 124 - good/bad/indifferent ??
Replies: 12
Views: 1460

Re: Fiat 124 - good/bad/indifferent ??

^^ Agree with what Jack said.
by fund
Sat Jul 30, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 51
Views: 5509

Re: anyone own a stingray corvette? how do you like it?

Don't own one, but have followed it on Car & Driver. I believe they had or have one on long term test. Performance is incredible, even in the base form. The Z06 package turns up the wick even more. Reliability, however, isn't perhaps quite where it should be. IIRC, C&D had a problem with the engine ...
by fund
Sat Jul 30, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

I tried logging into my account a short while ago. As others have reported, the website asks for a cell phone number to which a one-time security code is sent. The text message came in nearly instantaneously. (My wife, however, wasn't nearly as fortunate: as with others, the text message never arriv...
by fund
Sat Jul 30, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

SSA uses Equifax according to a link off the How We Verify and Protect Your Identity page. Identity Services Provider The U.S. Social Security Administration uses an external data source, or what we refer to as an “Identity Services Provider,” to help us verify the identity of our online customers ...
by fund
Sat Jul 30, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

HueyLD wrote:That's what I was told by an SSA employee over the phone.
Thank you again - really appreciate the help.
by fund
Sat Jul 30, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

Yes, you do need to unfreeze credit in order for the SSA website to access your credit file. Alternatively, you can go to a SSA office and do that in person. Thank you. Follow-up question: How does going in person remove the need to unfreeze the accounts? I'm guessing because one could prove one's ...
by fund
Sat Jul 30, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 17977

Re: SSA MANDATORY cell phone based multifactor authentication

Apologies for my confusion: things weren't entirely clear to me up-thread. My wife and I each have "my SSA" accounts, and, in fact, just recently updated our passwords within the past few days. Neither of us received the security email referenced by some other posters, nor had I seen this thread pri...
by fund
Tue Mar 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 41
Views: 4842

Re: Duct cleaning

I have never had the ducts in my homes cleaned. I do change the filters every 30 days. :happy I don't understand where the ducts would need cleaning. The intake filter traps gets dirty and needs to be changed regularly, but otherwise, air just flows through the ducts. My filters don't get that dirt...
by fund
Thu Mar 10, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 27968

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

My feeling is that Roth conversions are explicitly permitted and therefore lawful. I don't think the ability to do a Roth Conversion for those who can't contribute directly has ever really been in doubt after the 2010 income limit elimination. Where there is some doubt is the practice of making the...
by fund
Thu Mar 10, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 27968

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

Form 5329 is considered an independent tax return. Since excess contributions have no statute of limitations, some tax attorneys have recommended filing a 5329 every year to start a 3 year statute running. This might be interesting for those with "back door" paranoia. However, there are some techni...
by fund
Thu Mar 10, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 27968

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

The statute of limitations for the IRS to object is 3yrs, unless it's fraud. The statute of limitations remains open if a tax return is not filed. Why in this context would we assume somebody didn't file a tax return? They file a tax return, but do not file form 5329. The statute remains open with ...
by fund
Wed Mar 09, 2016 6:52 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 27968

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

For a government $19 trillion in debt, we seem very confident that the IRS will never change its mind about going after this. In 30 years, there is going to be hundreds of millions, if not billions of dollars in questionable ROTH earnings. What do you think the cost of IRS audits will be in 30 year...
by fund
Wed Mar 09, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 27968

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

I've been following this thread very closely, and have a question. If someone does as an earlier poster suggested and contributes to their tIRA and invests in, say, the S&P 500 mutual fund (rather than the typically recommended MM fund) prior to conversion to Roth (and both the contribution and conv...
by fund
Fri Feb 05, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 1099-R, 5498, 8606 and BD Roth Timing
Replies: 4
Views: 497

Re: 1099-R, 5498, 8606 and RD Roth Timing

1) Yes, you are correct, but rather than "this year" or "next year" refer to the actual year as it eliminates confusion. The Roth conversions will be reported on your 2016 joint return, on a separate Form 8606 for each spouse. That same form will show the 6500 2016 TIRA non deductible contribution....
by fund
Fri Feb 05, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: 1099-R, 5498, 8606 and BD Roth Timing
Replies: 4
Views: 497

Re: 1099-R, 5498, 8606 and RD Roth Timing

Hi jepalan, others are far more knowledgeable than I for this subject matter, but I think I may be able to lend a hand for at least one of your questions: I believe you still need to file an 8606 with your tax return this year. Form 8606 tracks your contributions, and you did make contributions for ...
by fund
Wed Feb 03, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What do you pay per year for daycare?
Replies: 33
Views: 2561

Re: What do you pay per year for daycare?

We have one child, a toddler now, currently in daycare two days per week - that was all we were able to get (we're still on years-long waitlists). The grandparents take care of the other three days per week. The cost is $1,000/mo for those two days at the center, so $12K/yr. Beginning in the autumn ...
by fund
Sun Jan 10, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: "Roth conversions are not eligible for cross platform transactions."
Replies: 17
Views: 2765

Re: "Roth conversions are not eligible for cross platform transactions."

Agree with whatistiaa. You contributed the max (assuming you're under age 50). What you converted may be less, equal to, or more than what you contributed.
by fund
Sun Jan 10, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: "Roth conversions are not eligible for cross platform transactions."
Replies: 17
Views: 2765

Re: "Roth conversions are not eligible for cross platform transactions."

This happened to me a couple of weeks ago when I tried to do my wife's backdoor Roth IRA. It was my first year doing the backdoor Roth and so for my account I called Vanguard and had them walk me through it for mine. They set up a traditional IRA and I converted it the next day. I thought that I co...
by fund
Wed Dec 16, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 14233

Re: I would like to play the Boglehead car game too

No worries, bubbadog! I hear you. I just really love this stuff, and it was hard to resist! :D

It looks as if I was editing my post to mention some further changes to the AP2 from the AP1 while you were also posting. :sharebeer
by fund
Wed Dec 16, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 14233

Re: I would like to play the Boglehead car game too

If you want a newer sports car and also want to satisfy your Boglehead brain, I would suggest two excellent sports cars that do not depreciate if garaged and maintained reasonably well. 1) 1991- 2005 Acura NSX 2) 2000-2009 Honda S2000. Both are very reliable cars and a blast to drive. I bought an 0...
by fund
Fri Nov 06, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: In a Housing Bind...
Replies: 60
Views: 7415

Re: In a Housing Bind...

Lots of great advice here. One thing that caught my attention: we're now nearly through with the first week of November. The holiday season is fast approaching. I'm not a realtor, but my understanding is that spring and autumn (and to a lesser extent, summer) are the prime seasons for buying and sel...
by fund
Thu Sep 24, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on adding extra to mortgage
Replies: 26
Views: 2362

Re: Thoughts on adding extra to mortgage

Is there any reason why it has to be an either/or situation? Say you have $1,000 extra per month; could you put $500 towards the mortgage and the other $500 towards the taxable account (or emergency fund, or whatever)?
by fund
Sun Sep 13, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 15935

Re: What are your best time-savers?

I, too, want to support this. It's frightening how much distracted driving has increased since the advent of cell phones, and especially smart phones. And those studies that assert it's the talking, not the hands-free nature of the device, that is the danger are spot-on. black jack is correct: it's ...
by fund
Sun May 31, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 14490

Re: Perpetual Travelling

The Practical Nomad. It's the most thorough book I've seen. I read the first edition back in the 90s which launched me on my journey which I haven't really looked much back from. Perhaps you can share something about your journey? I'd also be really interested in hearing more, if you're willing to ...
by fund
Sun May 31, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 14490

Re: Perpetual Travelling

A couple of quick notes: .... And, unfortunately, on that note all the good travel forums all dried up about 5 years ago or so. .... I'm curious: what's your opinion of Lonely Planet's online travel forum? I've been extremely fortunate to have had the opportunity to have traveled a lot when I was y...
by fund
Mon May 11, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 2516

Re: New car, lease or buy?

Is anyone able to speak to the legal justification for a state charging sales tax on the full purchase price of a vehicle that is leased, rather than charging tax on only the portion (value) of the vehicle that you are leasing? Maybe it's a bad analogy, but if I stay in a hotel, I'll pay the rate fo...
by fund
Wed May 06, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: French press recommendation?
Replies: 32
Views: 6099

Re: French press recommendation?

Been using an Aeropress for a couple of years now. I switched from a French press prior. A friend at work showed me some research that French press coffee contains a chemical that can have a detrimental effect on a drinker's cholesterol. The Aeropress utilizes a filter, thus removing that chemical. ...