Search found 497 matches

by Globalviewer58
Tue Jan 15, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2373

Re: School staff threatened to call social worker

The school administration is rewarded by your child attending so they receive maximum funding. You can get the lesson plan from the Kindergarten teacher and cover these topics with your child. I confess that at adult age, the only thing I recall from Kindergarten was whether I had the rhythm sticks ...
by Globalviewer58
Fri Jan 11, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3587

Re: Stay in private practice medical or take VA job offer?

What would it cost to have a car service pick you up at home for the drive and return you after work? Even if you did this 2 of the 4 work days it may make the commute less of a drag. I am going to guess that you could schedule a regular drive for $100 per day round trip. 100 of these is $10,000. No...
by Globalviewer58
Wed Jan 09, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for retiring parents: converting 401k to Roth IRA
Replies: 19
Views: 1638

Re: Advice for retiring parents: converting 401k to Roth IRA

Your question is a good one and fortunately the Wiki has a page devoted to the topic. You can search the Boglehead Wiki by clicking on the Wiki at the top of the page. In the search bar enter the term Roth IRA Conversion.
by Globalviewer58
Mon Jan 07, 2019 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Heard of this Company? Fiduciary Wealth Management
Replies: 6
Views: 745

Re: Anyone Heard of this Company? Fiduciary Wealth Management

You might compare their costs to Employee Fiduciary. Our company is in the process of making the transition of 401K plan after our long-time provider asked for a 50% price increase. They thought we would pass along the price hike to employees. Employee Fiduciary has a stated goal of being a low cost...
by Globalviewer58
Sun Dec 30, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions sought $3.5 M Net Worth
Replies: 76
Views: 8883

Re: Opinions sought $3.5 M Net Worth

Have you considered how you might reduce the stress in your work life? This may be a better challenge to address if you enjoy the work. It seems you believe part time in the same career is a less stressful position. Why? What do you eliminate by going part time?
by Globalviewer58
Tue Dec 25, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct all of this donation ?
Replies: 6
Views: 838

Re: Can I deduct all of this donation ?

Was the 70k donation made in cash or through contribution of securities? Looks like your AGI x 0.6 is the deductible amount limit for cash and AGI x 0.3 for appreciated securities.

Amounts not eligible for current year deduction can be carried forward to future years.
by Globalviewer58
Fri Dec 14, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 49
Views: 2326

Re: Receiver for klipsch bookcase speakers

Dottie: The Klipsch specs you copied show Max input power 75 watts. This means each speaker can operate with a Maximum power input of 75 watts. I suggest you search for "100 watt stereo receiver with Bluetooth". This will provide all the power you need to listen to music at home. You could search fo...
by Globalviewer58
Thu Dec 13, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 62
Views: 7675

Re: New job, sales at Subaru

My favorite sales training video is Glengarry Glen Ross. You will find it on Amazon Prime Video. Here's a synopsis of the story: https://en.wikipedia.org/wiki/Glengarry_Glen_Ross_(film) For sales staff selling a want versus need, I ask if they have ever killed anything to eat - fish, chicken, deer, ...
by Globalviewer58
Sat Dec 08, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3247

Re: Attic insulation-R30 to R60 worth it?

“Option 2: $1075 from same contractor from #1 to add r19 to entire attic (no air sealing but would seal off baffles and soffits to keep wind out while allowing airflow).” The quote above is of concern. The reason you ventilate the soffit and install baffles is to allow the attic vent system to funct...
by Globalviewer58
Thu Dec 06, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Configuring withholdings with a large raise and new job
Replies: 2
Views: 242

Re: Configuring withholdings with a large raise and new job

When you begin the new job ask for Form W-4 (2018) and complete. This should give your employer the info to withhold an appropriate level for the balance of 2018 and 2019.
by Globalviewer58
Thu Nov 29, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k isn't making any money
Replies: 35
Views: 4346

Re: My 401k isn't making any money

Your biggest lever at this point is consistent contributions to capture the employer match and allow your savings to grow tax free over the next 23 years. Equities can go up and down in value so you have to be able to accept this fact. If you want to ensure your capital is preserved you may want to ...
by Globalviewer58
Wed Nov 28, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3985

Re: Electricity bill should be 7% per month of home sq footage.

Home Energy Saver is a series of web pages published by US Department of Energy to help homeowners and professionals assess energy use and possible low, moderate and high cost steps to reduce energy use. There is also a guide that allows you to enter your zip code to see typical energy use in your a...
by Globalviewer58
Wed Nov 21, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Ownership in family business
Replies: 13
Views: 1527

Re: Ownership in family business

Look in the trade publication, Insurance Journal, for past articles on transitioning your business. They cover many of the issues you need to address. Once you have those issues handled you should work with an attorney to establish a Buy/ Sell Agreement so you and your son have explicit documentatio...
by Globalviewer58
Tue Nov 20, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15197

Re: Black Friday 2018

Black Friday is a perfect day to make a donation to your favorite charities. I like the local food bank this time of year.
by Globalviewer58
Thu Nov 15, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1962

Re: What convenience fees does your city charge for credit card use?

Our city uses ACH for water/ sewer bills and no service fee is added.

For online property tax payments made via Central Processing Corporation, a fee of 2.95% is charged with a minimum fee of $1.95 per transaction. For ACH/ e-check transactions, a $0.95 service fee is charged.
by Globalviewer58
Sun Nov 11, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6327

Re: Should we drop our manager, for 4-fund portfolio?

If you feel comfortable managing your own 4 fund portfolio then thank the advisor for her help and wish her well. The Bogleheads forum can serve as the steady hand when you feel angst over a market drop or have questions about your plans. You have better things to do with the $4700 you were handing ...
by Globalviewer58
Sun Nov 11, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1232

Re: Help Me Buy A New Front Door

Reubin Watch a YouTube video for the topic, install door jamb weatherstripping. You can decide if you have the tools and skills to perform the task. Compare the existing weatherstripping to the material available at the Home Depot store. Over time the weatherstripping may have deteriorated and just ...
by Globalviewer58
Sun Nov 11, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investments
Replies: 6
Views: 325

Re: Help with 401K investments

You might check the date for your YTD calculation as current Fidelity 500 Index shows +2.98% return through 11/10/18 and your figures show -4.76%. The market was a bit volatile around the election time so performance YTD varied more than typical. You might ask yourself what benefit you hope to reali...
by Globalviewer58
Wed Nov 07, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: year-end capital gains distributions
Replies: 7
Views: 1161

Re: year-end capital gains distributions

If your search, “Fund Name year-end distributions”, you may find the answer. When running this search on the Vanguard website it shows the actual 2017 distribution amounts and dates. The 2018 distribution is likely to be done on similar dates but you’ll need to wait a few more days to get the planne...
by Globalviewer58
Tue Nov 06, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Intermediate Tax Exempt and Wash Sale
Replies: 3
Views: 262

Re: Question on Vanguard Intermediate Tax Exempt and Wash Sale

Sell the fund at ML and transfer the cash to your Vanguard settlement fund. Use the proceeds to purchase VWLTX, Limited Term Tax Exempt Fund. Hold the VWITX shares for at least thirty days and then buy VWITX if you want to switch back. Be aware that you risk a wash sale on the reinvested dividends i...
by Globalviewer58
Tue Nov 06, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to remove collision coverage?
Replies: 13
Views: 1060

Re: Ok to remove collision coverage?

I dropped collision coverage on an older car and hit a deer early one morning a few months later. It would have been cheaper to keep the insurance coverage.
by Globalviewer58
Fri Nov 02, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Is "recharacterizing" the correct method/term?
Replies: 14
Views: 639

Re: Is "recharacterizing" the correct method/term?

Deleted to remove erroneous reply.

The recharacterization of a Roth contribution is allowed in 2018, it is the converted Roth that may no longer be recharacterized.
by Globalviewer58
Thu Oct 25, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: When is moonlighting not moonlighting?
Replies: 22
Views: 1815

Re: When is moonlighting not moonlighting?

Of course it is moonlighting. Had a sales rep do this while on my payroll. Then I attended a trade show unannounced and found the booth I paid for was used to display our products and several others he represented as well. The explanation he gave was that customers prefer to buy from sales reps offe...
by Globalviewer58
Tue Oct 16, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 3023

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

A winning ticket is likely so go for it. Don't be surprised if you don't match a single number on either drawing.
by Globalviewer58
Tue Oct 09, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Office Computers
Replies: 5
Views: 829

Re: Office Computers

Have you considered a network server with thin clients at the workstations instead of PCs? You could also have a mix of thin clients and PCs on the network. Dell offers both products.

The benefit of a thin client approach is longer hardware life, fewer system maintenance issues.
by Globalviewer58
Mon Oct 08, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Postponing the bonus to next year. Is it a good idea?
Replies: 30
Views: 2013

Re: Postponing the bonus to next year. Is it a good idea?

I have worked at companies that offered a deferral on bonus payments from December to January. The company used the Accrual Method to account for expenses so it made no difference to them. Your situation is that you use the Cash Method of accounting so you can benefit by shifting from one tax year t...
by Globalviewer58
Mon Oct 08, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3358

Re: Formula for when to buy in bulk

Economic Order Quantity is a calculated value. see the link for details. https://www.dummies.com/business/accoun ... y-formula/
by Globalviewer58
Sun Sep 30, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6228

Re: How to tell contractor you don't plan to pay him.

Contact the manufacturer to have their Tech Rep review the installation process steps that were performed. She can tell you whether the installation voids the warranty.
by Globalviewer58
Thu Sep 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1899

Re: Yellowstone and Grand Teton must see and do

Enter your dates and see the list of Ranger Lead Hikes in the following link: https://www.nps.gov/yell/planyourvisit/ ... F16%2F2018#

The National Park Service Rangers have a wealth of knowledge to share as you see the natural beauty.
by Globalviewer58
Sun Aug 19, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3408

Re: Composite Decking Material

I used Lowe’s ChoiceDeck composite about 10 years ago and had great results. Be aware that joist spacing is 16 inches max. The posts must be boxed inside the rim joist and then the ChoiceDeck cover slides over the post. This is important to know because you will lose about 6” of dimension on each en...
by Globalviewer58
Thu Aug 16, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6264

Re: Terminating an employee with company car

Let the employee use the car to drive home, clean out personal stuff and then arrange a convenient time to pick the car up tomorrow. Build a bridge to a good relationship for the future.
by Globalviewer58
Wed Aug 08, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1277

Re: Career Transition after Military

Another tool to improve your future prospects is furthering your education while still on active duty. When I served there were courses available on post after typical working hours. I did a lot of homework under the lantern in my tent on the nights I was not taking a class. Today you may have more ...
by Globalviewer58
Wed Aug 08, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1277

Re: Career Transition after Military

I transitioned from active duty to civilian work after my initial Army ROTC commitment was satisfied in the 1980s. My wife is a career finance professional who worked her way up from analyst to executive. Your BS Finance degree is perfect for an entry level analyst role and you will stand out with c...
by Globalviewer58
Wed Aug 01, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7272

Re: DW job in dangerous area

Here are the YTD stats from Chicago homicide deaths: Cause Homicides % Gunshot 263 83.5% Stabbing 23 7.3% Trauma 14 4.4% Strangulation 5 1.6% Auto 4 1.3% Arson 3 1.0% Child Abuse 1 0.3% Unknown/TBD 2 0.6% As of 7/25/18 While not shown above, the number of children and innocents caught in the shootin...
by Globalviewer58
Wed Aug 01, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7272

Re: DW job in dangerous area

My vote would be to keep interviewing. Are you concerned about the gun violence in parts of Chicago? That problem has no solutions identified so my expectation is this will not be resolved in the next few years. I would opt not to take the job.
by Globalviewer58
Fri Jul 27, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: soccer practice next to highway during rush hour
Replies: 8
Views: 985

Re: soccer practice next to highway during rush hour

Yes, it is reasonable to find a less polluted exercise environment. Study results are mixed but find that adults still have a net cognitive improvement from exercise even if the air is somewhat polluted. Youths exercising frequently in polluted air are more likely to develop asthma than those with s...
by Globalviewer58
Tue Jul 10, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3670

Re: Dad asked for my help on pension decision that I do not understand

Using your figure of $63,021 as the offered lump sum and comparing to the quote for a SPIA (Single Premium Immediate Annuity) at www.immediateannuities.com, he could receive a monthly payment of $387. So in that case it would be preferred to roll the lump sum over to a Rollover IRA or a 401K account...
by Globalviewer58
Tue Jul 03, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4215

Re: Neighbor's drainage issue causing problems

OP: The drain photo shows an obvious first step will be to properly maintain the drain so it is clear of any resistance to the flow of water. Removing the vegetation periodically is going to be an on-going need. I would see how this changes the ponding problem before investing in other remedies.
by Globalviewer58
Mon Jun 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 6493

Re: Severance Package Question

File your claim in the state where you worked.
by Globalviewer58
Wed Jun 13, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 78
Views: 8454

Re: Living Abroad - Who's done it?

Yes, lived in Germany, for about 3 years. One of the best times of my life. Learned to speak casual German while living there but strongly suggest having some fluency in the local language and it seems you have Spanish so that should guide your search. If you and your spouse are in agreement then ma...
by Globalviewer58
Thu Jun 07, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Carseat required in East Asian countries?
Replies: 2
Views: 404

Re: Carseat required in East Asian countries?

I have not traveled to either country but here's what I found: Korean law requires that children under six (6) years of age be secured in a child car seat. The fine for not using a car seat as required by law is 30,000 won. Unlike many other countries, this law does not specify which type of car sea...
by Globalviewer58
Wed Jun 06, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3607

Re: Social Security crossover point has arrived

Both SS and Medicare funding will be solved in short order by implementing Dr. Ezekiel Emmanuel's personal plan to stop medical intervention after age 75. No medical testing, no hospital stays, no prescription medications.
by Globalviewer58
Mon Jun 04, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 5012

Re: Travel advice for an engineer

The Jain Temple in Ranakpur, Rajasthan, India. Off the beaten path but a marvel of carved columns from the 15th century. Here's the Wikipedia link: https://en.wikipedia.org/wiki/Ranakpur_ ... _India.jpg
by Globalviewer58
Mon Jun 04, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4842

Re: Pending Layoff / Can I retire?

There are so many startup failures that you stand a better than even chance of working for free if you accept employment for stock only. My friend showed me a resume with > 20 startup employers over about that same # of years. They all had a promising story and RSUs but eventually faded due to a var...
by Globalviewer58
Thu May 31, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 978

Re: belize with kids -- advice?

I suggest you look at TripAdvisor website to see the most popular activities and determine whether these are of interest for you and your family. Water activities are the top things on the list. Do you want to earn SCUBA Certification? We stayed on Ambergris Caye 10 years ago to enjoy SCUBA diving. ...
by Globalviewer58
Tue May 22, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Bird Nest in bathroom exhaust fan vent
Replies: 10
Views: 1344

Re: Bird Nest in bathroom exhaust fan vent

To keep the birds out permanently you can install a backdraft damper like this one: https://www.build.com/continental-fan-manufacturing-bdd100/s432039?uid=1471536&source=gg-gba-pla_1471536!c214950439!a14563473199!dc!ng&gclid=EAIaIQobChMIh-qQ_ZGa2wIVXLXACh0JRwNXEAQYASABEgI6q_D_BwE You might call a si...
by Globalviewer58
Tue May 15, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations for married couple living in two states
Replies: 1
Views: 328

Re: Considerations for married couple living in two states

Tax Planning: For the years when you both live in separate states you will file one Federal MFJ return with the IRS. Then you can use a tool like TurboTax to prepare a Federal MFS return for each of you that allocates deductions and recognizes only your individual income to be taxed by your state. T...
by Globalviewer58
Wed May 09, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6669

Re: What's the view on dogs running free?

If the dogs are not aggressive to humans it is not a big deal. It seems the owner is making an effort to minimize your bother by retrieving his wandering hound. What would concern me is a when dog that is aggressive is allowed to run free. Still remember the 11-year old playing in the park one day i...
by Globalviewer58
Tue May 08, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1816

Re: Build a retaining wall ?

Another idea is to search for the condition, such as soil loss, and see solutions. Here's a set of solutions for Soil Loss due to Downspout drainage:

https://www.fairfaxcounty.gov/soil-wate ... rol-runoff
by Globalviewer58
Thu May 03, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 967

Re: A Clamp, My Kingdom for a Clamp

Menard's offers a Suspensulator to support pipes. https://www.menards.com/main/pipe-supports/pipe-hangers-accessories/cts-suspensulator-trade/558-e2pk2/p-1444442673668-c-9424.htm?tid=-1337907579724513502&ipos=2 You could use this under the deck on a couple of joists to support the pipe. Another prod...