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Search: Posts Made By: pb4uski
Forum: FIRE and Money Yesterday, 07:38 AM
Replies: 12
Views: 600
Posted By pb4uski
One thing that I found out when we bought our...

One thing that I found out when we bought our umbrella was that it was cheaper to increase our base coverages and buy a smaller umbrella than to leave our base coverages as they were and buy a bigger...
Forum: FIRE and Money Yesterday, 07:32 AM
Replies: 50
Views: 1,388
Posted By pb4uski
Return of - 0.13% (per annum) YTD but it is...

Return of - 0.13% (per annum) YTD but it is really silly to evaluate anything based on a month (or even a year). No changes planned. Stay the course.
Forum: Other topics 01-29-2015, 09:23 AM
Replies: 4
Views: 179
Posted By pb4uski
Assuming that this is not his first year, look at...

Assuming that this is not his first year, look at what last year's tax return looks like as a guide to the forms needed and how they work. I'm sure TT or H&R Block will cover this.

Also see...
Forum: Other topics 01-29-2015, 09:19 AM
Replies: 56
Views: 1,229
Posted By pb4uski
Surely, an NFL referee who handles the football...

Surely, an NFL referee who handles the football on every down would notice that football is overinflated. ;D
Forum: Other topics 01-29-2015, 09:12 AM
Replies: 12
Views: 498
Posted By pb4uski
You're on the right track. He needs to have some...

You're on the right track. He needs to have some structure such as a trust where she can't have ready access to the assets but she is the beneficiary of the assets. The way my Dad's trust was set...
Forum: Hi, I am... 01-28-2015, 07:55 PM
Replies: 29
Views: 1,726
Posted By pb4uski
+1 that you have enough. Even if you figure...

+1 that you have enough. Even if you figure $50k a year for each kid's college, you'll still have $2.85 million left and at a 4% WR it would be $114k a year to spend.
Forum: FIRE and Money 01-28-2015, 07:38 PM
Replies: 33
Views: 1,897
Posted By pb4uski
16% cash @ .9% (Discover Bank online account) +...

16% cash @ .9% (Discover Bank online account) + 16% BND @ 5.95% + 68% VTI @ 12.56% = 9.63%

Fire him.
Forum: Other topics 01-28-2015, 07:10 PM
Replies: 14
Views: 351
Posted By pb4uski
In our pantry we used coated wire shelving that...

In our pantry we used coated wire shelving that we purchased from Lowe's. Rubbermaid I think. It has a nice clean look that we like. Easy to work with and an easy DIY project.
Forum: FIRE and Money 01-28-2015, 07:03 PM
Replies: 34
Views: 1,458
Posted By pb4uski
My thought is that you are too fixated on being...

My thought is that you are too fixated on being mortgage free. I would not bother to pay a 2.89% loan quickly. Rather than throwing more money at a 2.89% mortgage, build a taxable account with your...
Forum: FIRE and Money 01-27-2015, 07:48 PM
Replies: 50
Views: 3,601
Posted By pb4uski
I agree the cliff is stupid but I suspect if the...

I agree the cliff is stupid but I suspect if the subsidies had been graded out more sensibly that the subsidies would have broken the budget more than it already did.
Forum: Other topics 01-21-2015, 07:42 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
Yeah, don't get your hopes up on that happening. ...

Yeah, don't get your hopes up on that happening. To me there is a huge difference between offering bounties for players to injure other players and taking a couple pounds of air out of some...
Forum: Other topics 01-21-2015, 04:35 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
^^^^^^[mod edit] BS^^^^^

^^^^^^[mod edit] BS^^^^^
Forum: FIRE and Money 01-21-2015, 03:54 PM
Replies: 11
Views: 723
Posted By pb4uski
State income taxes will be based on what state...

State income taxes will be based on what state you are resident in when you receive the deferred compensation. Since Florida does not have an income tax, your pension income will not be subject to...
Forum: FIRE and Money 01-21-2015, 03:42 PM
Replies: 20
Views: 827
Posted By pb4uski
Do any of these 401ks that you have have a stable...

Do any of these 401ks that you have have a stable value fund? A good stable value fund might be a good reason to stick with the 401k but not all 401ks offer a stable value fund.
Forum: Stock Picking (Individual Security Analysis) 01-21-2015, 10:04 AM
Replies: 14
Views: 822
Posted By pb4uski
I don't agree that his contrived example is a...

I don't agree that his contrived example is a wash sale.

If he had Google in his taxable account, then bought Google in his IRA and then sold the Google in his taxable account you would be...
Forum: Other topics 01-18-2015, 08:44 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
Given how the Seahawks played today and luckily...

Given how the Seahawks played today and luckily squeaked by GB and how the Pats are totally dominating a solid Colts team, I find it hard to believe that the Seahawks would be favored.
Forum: Other topics 01-18-2015, 08:21 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
You mean New England! Patriots offense is...

You mean New England! Patriots offense is looking like a well oiled machine today and the defense is playing stout.
Forum: Other topics 01-18-2015, 06:37 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
My sympathies. They are horrible. ;D

My sympathies. They are horrible. ;D
Forum: Other topics 01-18-2015, 05:45 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
I corrected it. What a monumental collapse. ...

I corrected it. What a monumental collapse.

I didn't understand/thought it strange that the GB defender just slid to the ground rather than trying to gain yardage after that last interception and...
Forum: Other topics 01-18-2015, 05:25 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
Unbelievable. The Pack snatched a [-]tie[/-]...

Unbelievable. The Pack snatched a [-]tie[/-] defeat from the jaws of victory.
Forum: FIRE and Money 01-18-2015, 04:22 PM
Replies: 229
Views: 17,493
Posted By pb4uski
Math is hard.

Math is hard.
Forum: Other topics 01-18-2015, 03:47 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
I stand corrected, and am happy to be wrong. GB...

I stand corrected, and am happy to be wrong. GB has played well. Rogers seems much better than last week. Hawks are going down.

Should be 24-0 rather than 16-0.
Forum: Other topics 01-18-2015, 01:59 PM
Replies: 1,222
Views: 28,217
Posted By pb4uski
Yeah, that is how I will feel when Seattle wins.

Yeah, that is how I will feel when Seattle wins.
Forum: Other topics 01-18-2015, 01:48 PM
Replies: 31
Views: 1,077
Posted By pb4uski
Al, so what did you end up doing?

Al, so what did you end up doing?
Forum: FIRE and Money 01-18-2015, 01:45 PM
Replies: 229
Views: 17,493
Posted By pb4uski
I have a good friend who is a really great guy...

I have a good friend who is a really great guy but isn't financially sophisticated. Years ago, he got a brand new truck as well. He was thrilled in that he was able to trade-in his old truck (which...
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