Search found 1488 matches

by XtremeSki2001
Mon May 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 34
Views: 3462

Re: Hawaii vacation suggestions

If you're seeking hiking, while on Maui, wife and I hiked the following: Waihee Ridge Trail - https://www.alltrails.com/trail/us/hawaii/waihee-ridge-trail Pipiwai Trail (Waimoku Falls) - http://www.unrealhawaii.com/2013/04/pipiwai-trail-to-waimoku-falls/ Haleakalā Sliding Sands - https://www.hawaii-...
by XtremeSki2001
Thu May 10, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1819

Re: Reccommended Minivans

tech_arch wrote:
Thu May 10, 2018 2:00 pm
Love my 2016 Odyssey, but it was just a shade over $30k. We actually liked the new Pacifica better, but were worried about Chrysler's reliability so went with Honda.
+1

Have a 2012 Odyssey - it's been great and we hope to have it at least 5 more years.
by XtremeSki2001
Thu May 10, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 614

Re: Portfolio Question - Maxed 401k/ROTH - Now What?

Understood the rollover won't cause tax implications. I did some more reading and I think I've misunderstood the spousal IRA guidance. It seems, whether I rollover her 403b to an IRA or not (doesn't matter since she can't add to it and she has lots of options), I can open a spousal Roth IRA, which ...
by XtremeSki2001
Thu May 10, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 614

Re: Portfolio Question - Maxed 401k/ROTH - Now What?

One other question, unrelated to the above. Say I convert my wife's 403b to an IRA ... she has no earned income so any contributions we make will have already been taxed. How do we avoid being taxed twice? You can *rollover* her 403b to an IRA. A rollover is not a taxable event. The question is, wh...
by XtremeSki2001
Thu May 10, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 614

Re: Portfolio Question - Maxed 401k/ROTH - Now What?

Don't need star fund. You can open a rIRA for your wife as your income is her income. Otherwise taxable, save for car/vacation, spend some. Would you propose replacing the STAR fund with a Target 2055 like I have with my other investments? Right now we spend $21k a year on vacations and other 'want...
by XtremeSki2001
Wed May 09, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 614

Portfolio Question - Maxed 401k/ROTH - Now What?

Questions (refer to completed portfolio template below) 1.  Our 401k/403b/Roth are in Vanguard Target 2055 (90% stock / 10% bonds) and Star Fund (65% stocks / 25% bonds / 12% reserves). Should we allocate things differently? They're aligned with our risk appetite and we generally try not to be too ...
by XtremeSki2001
Tue May 08, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 34
Views: 3462

Re: Hawaii vacation suggestions

Went to Maui 3 years in a row before having children. We stayed in Kihei each time at the Hale Pau Hana ... we love it there. We rented a car, bought groceries, BBQ on the beach, etc.
by XtremeSki2001
Tue May 08, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3341

Re: Which heart rate monitor is the most accurate?

I use the Polar H7 heat rate monitor, but have also heard the Garmin monitors are very accurate. All are chest straps.
by XtremeSki2001
Tue May 08, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10380

Re: What non fiction book will you be reading in 2018?

So far in 2018 I've read:

Extreme Ownership - Jocko Willink
Influence - Robert Cialdini
Mere Christianity - CS Lewis
Devil in the White City - Erik Larson

Next up:

A Walk in the Woods - Bill Bryson
by XtremeSki2001
Tue May 08, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5914

Re: How much car to buy on $250K income, $200K NW, newborn on the way

10% of your gross annual income on the car. So based on your income you should try to keep it around $25k. Just my $.02
by XtremeSki2001
Tue Jun 13, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 1391

Re: Looking To Upgrade My Coffee Roaster

Thanks Nicolas and David for the info. David, I was happy to see your comment "... results are very consistent within a particular bean". That's one issue I'm struggling with right now. I roast a batch of beans and one pot of coffee tastes great while the next one seems to have bitter notes. Was cu...
by XtremeSki2001
Mon Apr 17, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 8789

Re: leaving early from work

Both of us work and we have kids(less than 3 yrs old). We need to drop off and pick up kids at day care. Both of us work in the financial space. How accommodating are bosses to this situation? Have there actually been instances where Bosses say "No...". I know we live in an "employment at will". Is...
by XtremeSki2001
Wed Apr 05, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

If you really feel the need to VPN all traffic, I'd favor a DIY OpenVPN gateway setup on a free tier of AWS ec2 that you are the, and the only, admin of. Even then, there's nothing stopping Amazon from capturing your traffic and providing it to the NSA/FBI/CIA/Google Ads. Thanks for adding this DIY...
by XtremeSki2001
Fri Mar 31, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

Also, there has been no independent authority which has opined on PIA's assertions that they don't log IP session information. Would the FBI count as in independent authority? https://torrentfreak.com/vpn-providers-no-logging-claims-tested-in-fbi-case-160312/ Touche - good find and thank you for sh...
by XtremeSki2001
Fri Mar 31, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8249

Re: How did graduating out of daycare impact your finances?

We have 3 now. Will probably have 4 someday. Always had plans to have both my wife and I working. After considering costs of daycare we opted for my wife to be a SAHM. Haven't looked back. Not to question your decision for your wife to be SAHM (which I'm sure is not just financial), but with 3-4 ki...
by XtremeSki2001
Sun Mar 26, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: 10 days in Berlin and Krakow
Replies: 9
Views: 868

Re: 10 days in Berlin and Krakow

Really enjoyed Berlin.

- The Wall
- Pergamon Museum
- Topography of Terror
- Explore all the German beers
- Eat a Döner Kebab
by XtremeSki2001
Sun Mar 26, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

It's clever that PIA lets you pay with gift cards so you can use it anonymously. Guys, I'm not trying to be Debbie Downer here - just keeping it real. Just because you can pay with Bitcoin or a visa gift card doesn't mean that PIA doesn't have the means to figure out who you are, fairly trivially, ...
by XtremeSki2001
Sat Mar 25, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8249

Re: How did graduating out of daycare impact your finances?

We have 3 now. Will probably have 4 someday. Always had plans to have both my wife and I working. After considering costs of daycare we opted for my wife to be a SAHM. Haven't looked back.
by XtremeSki2001
Sat Mar 25, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

pondering wrote:Is there anyone here who thinks the 3 letter agencies can't monitor your traffic?
Of course they can monitor your traffic. Burglars can get into my home even though I lock the doors, doesn't mean I should keep them unlocked :D
by XtremeSki2001
Sat Mar 25, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

If you really feel the need to VPN all traffic, I'd favor a DIY OpenVPN gateway setup on a free tier of AWS ec2 that you are the, and the only, admin of. Even then, there's nothing stopping Amazon from capturing your traffic and providing it to the NSA/FBI/CIA/Google Ads. Thanks for adding this DIY...
by XtremeSki2001
Fri Mar 24, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

Conch55 wrote:Are those using PIA doing so for their entire home network by modifying their router or using the application on specific devices?
That's what I'm thinking. Would be easier for the family to just put it on the router via DD WRT.
by XtremeSki2001
Fri Mar 24, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 17944

Re: Virtual Private Networks (VPNs)

Curious if anyone uses a VPN to to tunnel their back-ups to say Carbonite? Anyone use VPN for their SMART TV internet connection?
by XtremeSki2001
Sat Mar 11, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Pennsylvania - Got a will. Now what?
Replies: 4
Views: 605

Pennsylvania - Got a will. Now what?

Morning All, My DW and I got a will as well as an advance directive. We've been struggling where to store the official copies. We'd also like somewhere safe to put our 'death book'. The beneficiaries of our estate are our children which are all under 4. - We don't have a safe and fire proof safe tha...
by XtremeSki2001
Sat Dec 31, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 52
Views: 75663

Re: Marvin vs. Andersen Windows: The Eternal Struggle

Glad to see my old thread is still kicking and people are getting some use out of it. To the guy in March asking about a $2800 window, absent extraordinary circumstances, that's crazy expensive. We paid about a $1000 per window as I recall. Renewal By Andersen is outrageously expensive in my experi...
by XtremeSki2001
Thu Dec 15, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

Finally, FINALLY managed to get my hands on a 4-pack of Heady Topper today. A colleague of mine, coming back from Vermont, was nice enough to grab me some. Really looking forward to trying it ... Had a Bruery Tart of Darkness and Founders Backwoods Bastard last night. Both A+ Backwoods Bastard was a...
by XtremeSki2001
Sat Nov 12, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Managing Thanksgiving Expectations (Grandparents)
Replies: 14
Views: 1677

Managing Thanksgiving Expectations (Grandparents)

All, Deep breath ... Coming here for input and advice as I respect the opinion of our members and many of you are also Grandparents so you may have a different perspective than I. Long story short. My wife and I are in are mid 30's with a 3 year old, 2 year old, and 3 week old. My extended family is...
by XtremeSki2001
Tue Nov 08, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

Finally got into my stash to celebrate the birth of my daughter ... and did it the right way. Enjoyed a Dogfish Head 120 Minute (Double IPA) bottled on July 22, 2015, just like I have with my two boys. Also enjoyed a 2015 Trappist Westvleteren 12 (XII) (Belgian Quad). Each were delicious. Would love...
by XtremeSki2001
Wed Jul 27, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

I tapped a sixtel of Great Lakes Brewing Company "Lake Erie Monster" last week. It's an imperial IPA and at 9.1% it packs a heavy punch. I drank 3 pints one night and decided the next day all future LEM's would be enjoyed in a 12 oz glass. It's good though. A little heavy in the mouth and doesn't c...
by XtremeSki2001
Sun May 15, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

packet wrote: It's perhaps the furthest from a Boglehead beer at $44 a four pack.
... and worth every penny.
by XtremeSki2001
Sat May 14, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 98371

Re: High Earners - What's Your Profession?

Thanks SQRT. Your advice is definitely against what most people tell me in this profession Really? What are they telling you? Maybe the typical advice is to put in the time and make partner. However if you want to make the huge money then you have to develop the right skills/leadership and find the...
by XtremeSki2001
Sat May 14, 2016 6:49 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

Dogfish Head 120 Minute IPA has a reputation for sitting on the shelves too long--to the point where I've been in a craft beer bar and heard industry people discussing a different beer that was 'priced to sit' and called it the "120 minutes problem". I knew exactly what they meant. Your bottle shop...
by XtremeSki2001
Mon Apr 25, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

...I have a six of their "Brown Shugga" for football tomorrow. It sounds like something I wouldn't like but it is great. I've been buying it since before Christmas. Getting hard to find. I usually like hoppy beers but this stuff is good and powerful! -9.8% alc. I'm making ribs to accompany the beer...
by XtremeSki2001
Wed Apr 06, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Philadelphia Suburb to Live?
Replies: 62
Views: 11839

Re: Best Philadelphia Suburb to Live?

Fieldsy1024 wrote:Right now I am 8-10 min away lol. Yes, I'd take 95/Blue Route. I think we can save more with a house in Montgomery County or Chester Counter.
I live in (and love) Bucks County, but you won't get more house up here :beer
by XtremeSki2001
Wed Apr 06, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best Philadelphia Suburb to Live?
Replies: 62
Views: 11839

Re: Best Philadelphia Suburb to Live?

Bumping this.... My wife and I bought a single ranch in Folsom (Ridley Township, Delaware County) I am seeking input of areas with more land (at least .35 acres, max 1 1.5), under 400k, a half hour or so to Philabundance (where she works, I work at Boeing, Philabundance is basically 2 blocks past C...
by XtremeSki2001
Fri Mar 25, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5096

Re: How to get rid of poison ivy

Here is info about it being a likely carcinogen by WHO http://www.scientificamerican.com/article/widely-used-herbicide-linked-to-cancer/ Interesting article. The word "probable" is used pretty pervasively and this quote was telling "The IARC review notes that there is limited evidence for a link to...
by XtremeSki2001
Thu Mar 24, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5096

Re: How to get rid of poison ivy

If you don't think spraying poisons around your yard is going to increase your chances of ending up with cancer, go to it. But you might be careful about quoting Monsanto-subsidized research to justify it. If you wouldn't mind sharing, I'd be interested in reading an independent study asserting rou...
by XtremeSki2001
Thu Mar 24, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5096

Re: How to get rid of poison ivy

Round Up. Roundup will kill the poison ivy - and more importantly, the roots. Wait until it completely dies, and then carefully pull up what remains. Where protective clothing - buy a disposable Tyvek suit. +1 I never had a reaction until last year and then I had a terrible reaction. Awful. Anyway,...
by XtremeSki2001
Fri Mar 11, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5710

Re: Finally - Maxed 401k - Now What

All, Thanks again for all the input. Wanted to recap to confirm my understanding given I am in the 25% tax bracket. My plan is to: 1) Max 401k contribution ($18k) 2) Max Roth IRA for me and wife ($11k) 3) taxable Note: We've evaluated HSAs and they are not a good fit for us at this time. We plan to ...
by XtremeSki2001
Sat Feb 27, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5710

Re: Finally - Maxed 401k - Now What

Thanks all for the input - I'll have to play with taxcaster. We live a pretty modest lifestyle. We purchased a home and two cars with a plan my wife returns to work, but due to various reasons, she did not. So we're in a bit in more than we planned, but still feel we're doing reasonably well. I also...
by XtremeSki2001
Fri Feb 26, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5710

Re: Finally - Maxed 401k - Now What

At 25% Marginal tax rate, you should max up the trad. 401K and put the tax savings into Roth IRAs. Thanks! 2) Is your house paid off? No. Purchased it 3 years ago and have a 30-yr mortgage. We did put down 20%. 3) We do not care about effective tax rate for this kind of calculation. We are looking ...
by XtremeSki2001
Fri Feb 26, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5710

Re: Finally - Maxed 401k - Now What

My apologies for being vague. Here are the details Emergency funds: 6 months Debt: Two cars with about $20,000k remaining @ <3%. Both will be paid off in October 2017. Tax Filing Status: Married Filing Jointly (wife is SAHM) Tax Rate: Effective ~15% Federal, 3.07% State State of Residence: PA Age: e...
by XtremeSki2001
Fri Feb 26, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5710

Re: Finally - Maxed 401k - Now What

Making sure we're on the same page, you're aware that the 18k limit applies to you alone, employer match is not included. Without more tax info hop on the rIRA train. This will allow account diversification. No difference between his or hers. I was not aware the 18k limit applies to me alone. So in...
by XtremeSki2001
Fri Feb 26, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5710

Finally - Maxed 401k - Now What

Morning! For the first time I'm on-track to max my 401k in 2016. I contribute 6%, but due to my employers match and a significant part of my bonus contributed directly to my 401k, I'm going to hit the max. We have some low interest debt for two cars (under 3%) and our home (under 4%), otherwise, fre...
by XtremeSki2001
Mon Feb 08, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 3103

Re: Huge Federal Tax Return

Instead of trying to get your withholdings just right you might want to look at how much you have to have withheld to qualify for the safe harbour rules so you would not have to pay an underwithholding penalty. As long as you have that much withheld you would be OK even if you had to write a large ...
by XtremeSki2001
Mon Feb 08, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 3103

Re: Huge Federal Tax Return

Just doing the math myself, in FY15 I paid 14500 in federal income taxes. I got back $7k so I overpaid by ~$7.5k. If you received a $7K refund then by definition you overpaid by $7K. Using FiveK's formula, I'd take my refund of $7,000 / ($4,000*25%), which equals 7. 7 is 4 more allowances than I cu...
by XtremeSki2001
Mon Feb 08, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 3103

Re: Huge Federal Tax Return

I tried both calculators and each has its pitfall, IMHO. Just doing the math myself, in FY15 I paid 14500 in federal income taxes. I got back $7k so I overpaid by ~$7.5k. Using FiveK's formula, I'd take my refund of $7,000 / ($4,000*25%), which equals 7. 7 is 4 more allowances than I currently take....
by XtremeSki2001
Sun Feb 07, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 3103

Re: Huge Federal Tax Return

Thanks all for the thoughtful replies. My bonus is categorized as supplementary, but I'll talk to HR nometheleas.

I will most certainly try the calculator.
by XtremeSki2001
Sun Feb 07, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Huge Federal Tax Return
Replies: 16
Views: 3103

Huge Federal Tax Return

Hi all, Did my taxes this morning and my federal return is $7k! State return is nearly $0. I have a very basic return. Married, two children, mortgage, student loans, one working parent so one W2, no other income and some immaterial donations. Is there any good software out there that can help me di...
by XtremeSki2001
Wed Jan 20, 2016 3:40 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144801

Re: Boglehead Beer

KBS is one beer that's alluded me - never had it despite my several attempts.