Search found 224 matches

by BeerTooth
Wed Mar 15, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2480

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

Find your basis at Vanguard and enter it. Where? I'm in "My accounts>Balances and holdings>Cost basis accounting>Unrealized Gains and Losses" ? or should I look in "Realized Gains and Losses"? I don't know. When you get the following error message from TaxAct does it at that point give you the opti...
by BeerTooth
Wed Mar 15, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2480

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

I have the same problem with VIPSX. I entered everything from the 1099-DIV they sent me into TaxAct, and it's giving me an error msg: "Error or Omission: Form 1099-DIV - Liquidation Distributions You entered nondividend distributions on Form 1099-DIV for Vanguard. Enter the adjusted basis of the st...
by BeerTooth
Wed Mar 15, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2480

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

Do a lot of people hold VIPSX in taxable? I think that would probably be about my last holding to move to a taxable account. If I really wanted inflation-protected bonds in taxable, I think I'd go with IBonds and individual TIPS. What a hassle! Sorry you guys are having to deal with this nonsense. ...
by BeerTooth
Tue Mar 14, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2480

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

I have the same problem with VIPSX. I entered everything from the 1099-DIV they sent me into TaxAct, and it's giving me an error msg: "Error or Omission: Form 1099-DIV - Liquidation Distributions You entered nondividend distributions on Form 1099-DIV for Vanguard. Enter the adjusted basis of the sto...
by BeerTooth
Tue Mar 07, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 10964

Re: How much do you spend on food in a year?

Just checked my YNAB report for the last year, $10,000 on groceries $2,000 on restaurants Family of five (kids 7/4/1 year old) My goal is to get it down closer to $9,000 next year. Big things to get right: meal planning for the week, cut out the mid-week "re-stock" trip The cheapest grocery store in...
by BeerTooth
Mon Feb 06, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Craigslist vehicle sale worth the risk?
Replies: 30
Views: 3463

Re: Craigslist vehicle sale worth the risk?

I've never understood the perceived risk of meeting a buyer / potential criminal in your driveway to sell a car. What is a crook going to learn that isn't publicly available information? Your address? That your house is a nice one, in a nice neighborhood? I'm assuming you're not planning on telling ...
by BeerTooth
Mon Jan 16, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 12780

Re: Why nobody understands importance of high-deductible insurance?

I tend to take a statistical view of insurance. I assume the actuary who calculated the deductibel and premium is smart enough to ensure that the policy has a positive expected value (http://coccweb.cocc.edu/srule/MTH105/homework/6expectation(text).pdf) for the insurance company (and a negative expe...
by BeerTooth
Wed Jan 11, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 1964

Re: looking for a cloud backup service that works with mapped network drives

thanks for all the suggestions

currently evaluating iDrive for my needs, and so far...so good
by BeerTooth
Tue Jan 10, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 1964

Re: looking for a cloud backup service that works with mapped network drives

hmmm...are you suggesting I use OneDrive as my cloud backup solution, rather than iDrive, CrashPlan, etc? I looked at OneDrive but I need more than 15 GB
by BeerTooth
Tue Jan 10, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 1964

looking for a cloud backup service that works with mapped network drives

I keep all my files on an external USB hard drive that is plugged into my router. I have a single laptop, plus an NVIDIA Shield for streaming media. I'm looking for an online cloud backup service that will backup the files on this drive (mapped to Z:\ on my laptop). Is have looked at CrashPlan, iDri...
by BeerTooth
Fri Jan 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 5263

Re: Tell me all about snowblowers

Search your local Craigstlist. I have had great luck with MTD Yard Machines. Yes, they are "lower end", but they work great and won't break your budget. I had a 5hp and moved up to the 10hp version for our big/wet snows. Both had/have electric start (plug in, push button, unplug) Your sweet spot wo...
by BeerTooth
Fri Jan 06, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 5263

Re: Tell me all about snowblowers

I have a two-stage 28" Troy-Bilt for the big storms, and a Snowcaster for the small storms (2" or less it's easier than shoveling or blowing)

https://www.amazon.com/Snowcaster-30SNC ... B008OHHVDA
by BeerTooth
Thu Jan 05, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime shipping to post office for pickup?
Replies: 18
Views: 15609

Re: Amazon Prime shipping to post office for pickup?

Similar experience in my neighborhood; lots of mis-delivered/lost packages. I think what we're all learning is that "free shipping" isn't really free, but we knew that already, didn't we?
by BeerTooth
Fri Dec 23, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2815

Re: Honda Odyssey Value point

Of course there is more variability in used cars than new cars. But for those of us who aren't picky about things like color or a minor door ding, I'm saving over $10K for a vehicle that suits my needs the same as a new one. Of course I'm not buying a salvage-title vehicle. FWIW, the regression coef...
by BeerTooth
Fri Dec 23, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2815

Re: Honda Odyssey Value point

I asked a similar question in my search for a used Odyssey. So I gathered data from 25 active listing for 2011 and newer Odyssey (EX-L trim) in my local area. Craigslist, Autotrader, dealerships, etc. I plotted a couple regression lines and found linear and exponential were nearly equal fit (R^2 ~ 0...
by BeerTooth
Thu Dec 22, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 5464

Re: Afraid of retirement??

As a full-time engineer and young father of three in my mid-30s, I can't imagine the mindset of "what will I do with my free time?" I am feverishly cramming my personal life, hobbies, and interests into nights and weekends. Are there really people out there whose lives are so empty of goals, interes...
by BeerTooth
Tue Dec 20, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Renovation - Cash or Loan?
Replies: 22
Views: 1902

Re: Kitchen Renovation - Cash or Loan?

I guess I am on the other end of the spectrum. I don't know how a whole kitchen can be remodeled for that much. My kitchen was more than 3x. I agree that $25k seems like a lot for a kitchen renovation. But, if it's a dream kitchen and would make you really happy... go for it. Pay cash and be done w...
by BeerTooth
Tue Dec 13, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Raspberry Pi Kano or Piper Computer Kit for Grandsons
Replies: 5
Views: 5237

Re: Raspberry Pi Kano or Piper Computer Kit for Grandsons

I'm not familiar with the other option, but I bought a Kano for my kids for Christmas. They're 4 and 7 years old so it looked simpler/fewer pieces to assemble. I want them to get some experience programming and interacting with a computer in a more active way; creating content rather than consuming ...
by BeerTooth
Mon Nov 21, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Bowling alley in the basement
Replies: 30
Views: 4774

Re: Bowling alley in the basement

bowling alleys are made of hard maple, not pine. Pine would get dented fairly quickly https://www.lowes.com/projects/images/buying-guides/Flooring/hardwood-janka1-inline.jpg Make sure you <really> love bowling before investing that sort of money. Makes me think of all the empty tennis courts and swi...
by BeerTooth
Fri Nov 11, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

I'm hearing from lenders that they can refinance me into an FHA loan 3 years after foreclosure, which will be June 2017. ~$4k closing costs. So that will enable me to shop around for rates. Hopefully rates don't rise significantly in the next 7 months. Since the simple payback of the ARM refi costs ...
by BeerTooth
Thu Nov 10, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

Comparing the refinance to a one-time extra payment of $20,000, this calculator indicates I would be shortening the payback time by about 4 years, initially saving $90/month in interest. That's not considering the opportunity cost of that $20k. So there is no risk to the extra-payment plan, but als...
by BeerTooth
Thu Nov 10, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

If you are happy with the closing costs, then lowering your interest rate is always a good thing. Is there any particular reason why you would want to lower your payment, though? If you are currently paying XX, why not continue that and pay the loan off sooner? Lots of interest saved that way (and ...
by BeerTooth
Wed Nov 09, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

Yes, I am thankful for getting a mortgage after the foreclosure, and told my current lender as much. However when it comes to finance I like to take an objective look at the numbers and leave emotion out as much as possible. If a refinance loan were to fall out at the underwriter stage, I would be o...
by BeerTooth
Tue Nov 08, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

Bumping this thread up as new information has come to light. So the refinance fell through with the above-referenced lender, due to only being 2.5 years after my foreclosure. I thought I had made that clear, but apparently there was some misunderstanding. No money lost, just time. After calling arou...
by BeerTooth
Thu Nov 03, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 18241

Re: Health Insurance rates went up

It seems ACA is designed to increase costs over time; the govt guarantees "paying" customers to private insurers, who are free to price plans as high as they want? This gets to the heart of why the law is so complex. The law counts on competition between insurers to prevent gaming and spiraling cos...
by BeerTooth
Thu Nov 03, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 18241

Re: Health Insurance rates went up

I have no idea how often this happens - but here, for us, twice. Our result for 2017 from this resulted in a 38% increase in net premium, when the gross premium was only up around 21%. Since I haven't heard others with this exception, perhaps its rare everywhere else. I think what's happening is th...
by BeerTooth
Thu Nov 03, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 18241

Re: Health Insurance rates went up

The insurance companies have made out like bandits in the last few years. I don't think this is true. Many insurance companies have had steep losses from ObamaCare and have exited the exchange(s). I think you're both right. The acasignups.net website built this great pie chart that puts the relativ...
by BeerTooth
Tue Nov 01, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: leaf blower, chainsaw, hedger or single tool
Replies: 26
Views: 3401

Re: leaf blower, chainsaw, hedger or single tool

you will get better advice from the forums at arboristsite.com than at bogleheads for lawn and garden equipment
by BeerTooth
Tue Nov 01, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: one-year switch away from HSA
Replies: 1
Views: 642

one-year switch away from HSA

I have an HSA with about $4000 balance. Reviewing open enrollment literature from my employer, I am thinking of switching from my HDHP & HSA to a "Health Plus" plan with HRA. The reason is that we are expecting a baby in February 2017 and the lower deductible and OOP max for the HRA plan counteracts...
by BeerTooth
Tue Nov 01, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: Your thoughts on implications of increasing automation of manufacturing.
Replies: 23
Views: 2650

Re: Your thoughts on implications of increasing automation of manufacturing.

As a consumer, I am looking forward to higher quality and less expensive items. Human labor adds much more variability and uncertainty into the manufacturing process, so as humans continue to be eliminated we will get better products overall. Have you purchased any kitchen appliances in the last 20...
by BeerTooth
Mon Oct 31, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Web advertising - who clicks on it?
Replies: 34
Views: 4423

Re: Web advertising - who clicks on it?

actionable book recommendation: Jaron Lanier's "Who Owns the Future?" covers many of these issues and why he thinks the ad-supported model for web content is not sustainable
http://www.nytimes.com/2013/05/06/books ... anier.html
by BeerTooth
Wed Oct 26, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 6115

Re: Chocolate Recommendations

another vote for Aldi

incredible value for the quality of dark chocolate you get
by BeerTooth
Mon Oct 17, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 8067

Re: How do you analyze your spending? (Where is my money going?)

I use YNAB for this purpose. It links to your bank accounts and pulls transactions for you. You tag them by category and it gives you a dashboard view of where your money is going. For Megastores that sell items from multiple categories, I just estimate a rough proportion for each visit/order: 20% "...
by BeerTooth
Fri Oct 14, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

any other input for me to consider?
by BeerTooth
Thu Oct 13, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

Re: refinance home or wait for foreclosure to clear?

Is there any reason for me NOT to refi into this offer, to lock in a low(er) 30 year rate? There is a risk that the appraisal might be lower than expected so you might need to pay more than expected to get to the 80% loan. If you can handle that then it seems like a good choice. Yes there is that r...
by BeerTooth
Thu Oct 13, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1377

refinance home or wait for foreclosure to clear?

I am looking for some advice on whether to refinance my mortgage. I closed the loan in August 2015 with a local credit union here in New Hampshire. It is a 30 year fixed loan at 4.75%. I was able to put 15% cash down from equity out of my previous property. The reason I went with the local credit un...
by BeerTooth
Thu Sep 29, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Chimney Help, Please
Replies: 28
Views: 2636

Re: Chimney Help, Please

The ease of cleaning is about the same - masonry or stainless. Yes you can reduce creosote buildup by cleaning more often which costs only, $150? per session? Only you can make the call based on the video inspection and your safety assessment, but I can say personally there are a lot of priorities i...
by BeerTooth
Thu Sep 29, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: HSA when expecting baby?
Replies: 20
Views: 1371

Re: HSA when expecting baby?

consider the ease or difficulty of fitting a carseat into that DeLorean :wink:

congratulations on the baby :sharebeer
by BeerTooth
Thu Sep 29, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Chimney Help, Please
Replies: 28
Views: 2636

Re: Chimney Help, Please

how often do you plan to use the fireplace? Significant home heating, or just occasional weekend ambiance? Once you experience the lousy efficiency of an open fireplace, you may decide to use it very infrequently, in which case the buildup of creosote would take many many years to become a problem. ...
by BeerTooth
Tue Sep 27, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 4480

Re: Where to spend January-March in Winter??

You could shift perspective and try desert country instead of beach country. Just as Southern California is not always so warm (and the water is cold) desert locations can be cold in the winter as well, so you have to choose appropriately. Then again Death Valley is best in the middle of the winter...
by BeerTooth
Fri Sep 16, 2016 7:29 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 12291

Re: Disappointing News Wells Fargo

Note: I don't bank at wells but I do at one of their competitors. Also own shares of both companies. Recently a shareholder of wells and have been disappointed. I'm usually a long term shareholder but I'm thinking to sell when it goes back up and place the. Obey into their competitor. And it's a ne...
by BeerTooth
Thu Sep 15, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 12291

Re: Disappointing News Wells Fargo

I wouldn't make the assumption that an online bank is any less prone to fraud than a brick and mortar MegaBank. The reason you hear about WF was the scale of the fraud, which is proportional to the scale of their footprint. Credit Unions may be less prone to shenanigans but there have been plenty ex...
by BeerTooth
Thu Sep 15, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Fireplace Inserts
Replies: 17
Views: 2628

Re: Fireplace Inserts

^^ ditto everything jharkin just told you

poke around on hearth.com forums, then go buy a Blaze King insert :twisted:
by BeerTooth
Wed Sep 14, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Does buying a new vehicle make sense when...
Replies: 26
Views: 3362

Re: Does buying a new vehicle make sense when...

TOJ wrote:Who wants to have to store a trailer?

I "store" my trailer in the woods right off my driveway. I guess if you live on a tight urban lot that might not be an option
by BeerTooth
Wed Sep 14, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Does buying a new vehicle make sense when...
Replies: 26
Views: 3362

Re: Does buying a new vehicle make sense when...

I don't understand pickup trucks. They're not useful to pickup much of anything. The cabs keep getting bigger, the beds keep getting smaller. You can't fit a sheet of plywood or an 8-foot 2x4, or a canoe, barely half a cord of firewood, or...I guess you could fit appliances, but loading them from t...
by BeerTooth
Wed Sep 14, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Does buying a new vehicle make sense when...
Replies: 26
Views: 3362

Re: Does buying a new vehicle make sense when...

I don't understand pickup trucks. They're not useful to pickup much of anything. The cabs keep getting bigger, the beds keep getting smaller. You can't fit a sheet of plywood or an 8-foot 2x4, or a canoe, barely half a cord of firewood, or...I guess you could fit appliances, but loading them from th...
by BeerTooth
Mon Sep 12, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Career Advancement
Replies: 10
Views: 2047

Re: Career Advancement

Can you get a security clearance? Lot of defense contractors in Southern California still. Look on the Raytheon and Lockheed job posting sites. Keywords "radar" or "RF" A defense company would be ideal. I think I was on a long list of hires for GA, but that has gone over 2 months now with the HR te...
by BeerTooth
Thu Sep 08, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advancement
Replies: 10
Views: 2047

Re: Career Advancement

Can you get a security clearance? Lot of defense contractors in Southern California still. Look on the Raytheon and Lockheed job posting sites. Keywords "radar" or "RF"

BAE Systems
General Atomics
Cobham
Applied Research
Northrup Grumman

Are all hiring RF engineers, hardware and/or software
by BeerTooth
Thu Sep 08, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 5483

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

Saying that "Apple products are expensive" is a bit like saying "Honda products are expensive" Yes, if you wait in line to buy the newest iPhone, pay full $700 price tag, then trade it in two years later at the Verizon store for $100 credit, then yes iPhones are expensive. On the other hand, I just...
by BeerTooth
Thu Sep 08, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Career Advancement
Replies: 10
Views: 2047

Re: Career Advancement

What's your location? We're actively hiring RF Engineers in southern New Hampshire