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Re: How To Encourage A Young (Sensitive) Child In Sports

I'm one of those dad's who helps coach my son's baseball team. Single A level, ages 6-8 going on 9. I got involved because of my son wanting to play not because I wanted my son to play. I can relate to your experience in some ways and offer several thoughts: 1) Have you taken a walk with your son to...
by dekecarver
Sun Jun 08, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5571

Re: "Spinning Off" my 20 Year Old Son

+1. I didn't have no stinking 18th birthday party either :happy Kids these days.... Did you get a Quinceañera or a Sweet 16? How about a Bat Mitzvah? Anything to recognize you as an adult? It doesn't have to be at 18, just at some point in your life. What about a 40th birthday party? I was handed a...
by dekecarver
Sat Mar 29, 2014 5:30 am
 
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 6357

Re: 1099r form

Code 7 is in box 7. The adjacent box in box 7 which has IRA/SEP/Simple is blank. So what I have here is a box: 1:gross distribution 2a: Taxable amount 2b: Total Distribution 3: Capital Gain=0 4: empty 5: Difference between box 1 and 2a 6:empty 7: Code 7 and IRA/SEP/Simple unchecked All other boxes e...
by dekecarver
Thu Mar 20, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099r form
Replies: 3
Views: 219

1099r form

Good evening folks I have a simple question regarding a 1099r form on turbo tax and I'm quite satisfied with the self help answer. I surrendered/cashed out a NYL universal whole life ins policy and had a taxable gain in box 2a of the 1099r form received. When I plug that into Turbo tax the screen po...
by dekecarver
Thu Mar 20, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099r form
Replies: 3
Views: 219

Re: Is 529 plans that bad? [White Coat Investor article]

Quote:(2) Signaling effects to the child. Knowing that people cared about you to put the money aside in your name has value.

What?
by dekecarver
Tue Mar 11, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Is 529 plans that bad? [White Coat Investor article]
Replies: 35
Views: 2453

Re: How did you get through the market crash in 08-09

I was in Saskatchewan and happened to stop by a farm to ask permission to hunt. While talking with the farmer I noticed the TV on and the headlines were streaming. We had a cup of coffee, said "oh chit" and talked a few minutes about the market. I was a long ways from home, no phone and fi...
by dekecarver
Sun Mar 09, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5901

Re: HUGE retirement decision.

If you are both the same age, good health and savers with the same retirement plan I'd consider taking the 100% option and enjoy. Additionally I can not remember exactly what a finance rep once told me about the survivorship option in a case like yours but it was different than I had expected so you...
by dekecarver
Sun Mar 09, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 6639

Re: HUGE retirement decision.

May I ask what state gov you work for?

Those are very good benefits specifically the health care benefit.
by dekecarver
Sun Mar 09, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 6639

Re: Will this affect your Tipping?

I find tip threads interesting. Why would you tip a take out joint? If you do; is it out of guilt; just to be nice; or do you believe the item is under priced? IMO a take out order is placed because 1) the food is good; 2) it is worth the time and expense to drive/walk over; & 3) it is already p...
by dekecarver
Wed Mar 05, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 8965

Re: The Estate lawyer cost us big

Ok here goes with all due respect to you and your situation: Either poop or get off the pot. With the advice that has been given to you from this board based on the info you have provided it sounds to me like you've been given multiple options of which really don't take that much time. You have prob...
by dekecarver
Mon Feb 24, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 9222

Re: Should I become sole provider for fiance?

On the other hand you could go through with it based on the trust you have built during your current relationship. If it works out great; if it doesn't work out you could chalk it up as learned experience. If it did not work out hopefully it would be cheaper than getting a divorce later down the roa...
by dekecarver
Sun Feb 16, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6335

Re: Time to buy a new/used car? When to call it quits on a c

Aside from normal maintenance IMOP you dump your old car when monthly expenses equal or exceed the monthly payments of the new car. And sometimes you have to factor in the perceived pucker value in regards to the probability of unreliability and inconvenience.
by dekecarver
Mon Jan 20, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a new/used car? When to call it quits on a car..
Replies: 22
Views: 1753

Re: Making $175k/year. What do I do with it all?

Can you set up and run a charitable foundation and pay yourself an administrative salary to offset the tax situation? That way you can choose who to benefit and pay yourself while doing so. Seems like a win win if legally doable.
by dekecarver
Sun Jan 19, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 6518

Re: Low Income, High Net Worth - Stories Of

Good stuff in the preceding posts. When I'm asked I tell folks about 1-4: 1. Get expenses under control and savings will follow. 2. With savings begins wealth accumulation. 3. Invest smart and start early. 4. With time and discipline you can end up with a high net worth relative to your situation. A...
by dekecarver
Sat Jan 18, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 12445

Re: Anyone familiar with this? Bank asking for info...

I would ask them to send me a copy of the document that is directing their request for said personal information including verification of due date.
by dekecarver
Fri Jan 17, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 7393

Re: High Earners - What's Your Profession?

I know college professors at a small private school: one in journalism, the other music. Neither are high paying university positions. Together they might make over $100K. One is retired the other retiring next year. They've always lived like graduate students, own a home plus two second homes in t...
by dekecarver
Thu Jan 16, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28431

Re: High Earners - What's Your Profession?

I find this thread very interesting. No problem with folks sharing edu and salary. Gives you somewhat of a sense of what it might take to get ahead or reach goals in respect to other variables.' High earner' really is relative to where you live but so are a lot of other things life life, big deal. ...
by dekecarver
Thu Jan 16, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28431

Re: High Earners - What's Your Profession?

I find this thread very interesting. No problem with folks sharing edu and salary. Gives you somewhat of a sense of what it might take to get ahead or reach goals in respect to other variables.' High earner' really is relative to where you live but so are a lot of other things life life, big deal. M...
by dekecarver
Thu Jan 16, 2014 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28431

TIPS vs Total Bond

Morning all. Just a couple quick basic questions I hope. My wife and I are both state gov employees with 20+ years each on the books and we are in our 40s. Early retirement is in the cards to some degree as I can go out early at 54 (early out with reduced defined pension) or wait till 59 and go out ...
by dekecarver
Sun Dec 15, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Total Bond
Replies: 4
Views: 953

Re: Wine for daily consumption?

Sebastiani Cab ~$12/bottle
by dekecarver
Tue Dec 03, 2013 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5549

Re: college fund: 529 or more in 403b/457,/Roth? (In CA)

Why not work and max out all retirement options including throwing something in to a taxable account until some age that you have predetermined as your retirement/other goal then worry about paying for edu. Example: Parents: ~36yrs old. Predetermined years (18) to save for retirement. Your age goal:...
by dekecarver
Sun Nov 17, 2013 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: college fund: 529 or more in 403b/457,/Roth? (In CA)
Replies: 9
Views: 1016

Re: Frugal vs. do it yourself

I do what I can and actually started paying myself the going rate (cash) if I had to fork it over to the next guy. You would be amazed at how much you can earn doing part-time work on your own terms :D The key is actually putting the cash in your pocket.
by dekecarver
Mon Aug 12, 2013 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3722

Re: Green Egg BBQ/Smoker

Going 4 years with the BGE. Low and slow to searing hot, like 700 F. Once you smoke a prime rib roast in a BGE that is the only way you will cook them IMOP. Fantastic pizza and breads, 16 hour pulled pork, incredible for smoking wild turkey,venison and fish...Worth the initial outlay of $$. You are ...
by dekecarver
Fri Aug 02, 2013 8:17 am
 
Forum: Personal Consumer Issues
Topic: Green Egg BBQ/Smoker
Replies: 48
Views: 3357

Re: Lake condo expenses

From experience: If you have to travel over an hour to get to your weekend home it becomes a drain and drag. Boats are a pain in the arse after they lose their curb appeal. But a pontoon boat is the way to go if you get one. Boats are not cheap to maintain in time and money. By the time you buy a pl...
by dekecarver
Sun Jul 21, 2013 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Lake condo expenses
Replies: 15
Views: 2013

Re: Adjustable Target Life Ins

Thanks for the replies. I apologize for the formatting but could not figure out how to get it right. My inclination is to surrender and invest the cash value.
by dekecarver
Tue Jul 02, 2013 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 601

Re: Adjustable Target Life Ins

Sorry about the format of the spreadsheet. Can someone tell me how to post so that it is readable? Thanks
by dekecarver
Tue Jul 02, 2013 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 601

Re: Adjustable Target Life Ins

Hello all, I final met with the NYL agent who turned out to be smooth fast talking agent who wanted to be my financial advisor. The bottom line was that his primary pitch was to convert the policy to something different as he said NYL no longer offers the current policy and that he had better option...
by dekecarver
Tue Jul 02, 2013 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 601

Re: First stock for a twelve year old

Why not buy him say 1 share of an index fund and one share of an individual stock as an annual gift (same index fund/same individual stock) and let him track the performance over time?
by dekecarver
Sat Jun 29, 2013 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: First stock for a twelve year old
Replies: 46
Views: 3012

Re: Adjustable Target Life Ins

Thanks for the responses. When I contacted NYL the rep said it really wasn't a whole life or term but different?? Also indicated the policy was in force until I was 95 yrs of age. I can't figure out why an agent couldn't just run the numbers and give me a ball park range over the phone of what the c...
by dekecarver
Thu Jun 06, 2013 6:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 601

Adjustable Target Life Ins

Hello all, I am hoping to receive some feedback regarding my current situation. In 1985 my father purchased an adjustable target life insurance policy for me at a cost of $40/mo for $100k policy which is what I also currently pay. I called NYL life today and was informed they no longer offer Adjusta...
by dekecarver
Wed Jun 05, 2013 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 601

Re: $200,000 windfall

Speaking from experience I would give a lot of consideration to not co-mingle your inheritance. It is not a matter for today but later on down the road for various reasons, $200000 is enough to worry about and it doesn't have to be if managed properly. Seriously gives this some thought. In the end i...
by dekecarver
Sun May 26, 2013 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: $200,000 windfall
Replies: 41
Views: 3563

Re: One of the toughest decisions of my life

What's the problem with getting your nursing degree while you are enlisted? I went through the program with several enlisted army folks who never missed a beat. Is it more of you just flat out wanting out? If so then ... Regardless of your decision sounds like you have solid grounding and I wish you...
by dekecarver
Mon Oct 22, 2012 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 4844

Re: One of the toughest decisions of my life

Your decision but the free health care at the end of 20 in the military you will not find anywhere else. Ask a lot of folks who could retire why they don't and you will find out that one of the main reasons is having to pay for their own health insurance. As an RN I can tell you your military health...
by dekecarver
Mon Oct 22, 2012 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 4844

Re: What does it feel like to have $1M+ liquid?

Depends on where you live and what your needs are.

In the end you will feel like you have enough or need to generate more.
by dekecarver
Sun Oct 21, 2012 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What does it feel like to have $1M+ liquid?
Replies: 126
Views: 13455

Re: Gold Standard

The email proposed buying Gold and riding the wave to new highs. The email had been forwarded to me from my elder father who received it from, you guessed it, a financial advisor. Course being the son I am trying to give him objective sources to kill the rumor and need to act other than run run.... ...
by dekecarver
Thu Oct 18, 2012 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold Standard
Replies: 12
Views: 1053

Gold Standard

I received an email stating" On January 1, 2013, the world will return to a gold standard. This isn't guesswork. Banks in major economies across the globe have already adopted the rules. In anticipation, central banks have been buying gold in large quantities. Turkey added 3.9 million ounces in...
by dekecarver
Thu Oct 18, 2012 4:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold Standard
Replies: 12
Views: 1053

Re: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep

Don't really know of anything better legally :) which is sad. Guess I'd just as soon keep the cash in my pocket so to speak and look for something else. Nothing really lost short or long term. It is a sad state of affairs.
by dekecarver
Wed Sep 19, 2012 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep 23
Replies: 30
Views: 3585

Re: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep

Honestly unless I 'm missing something 4% on $4K just isn't something worth getting excited about. Not meant to sound mean spirited etc... Just sayin.
by dekecarver
Wed Sep 19, 2012 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep 23
Replies: 30
Views: 3585

Having worn many no-iron shirts, IMOP there is no such thing. I now refer to no-irons as no starch needed. Brooks Brothers is no longer the best shirt IMOP. I've moved on to Costco no-irons. Excellent shirts. Only problem is very limited selection. Lands End right there with Costco but with much bet...
by dekecarver
Wed Aug 10, 2011 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mens Dress Shirts for those who are Frugal?
Replies: 128
Views: 44315

Also crate trained dogs are safer in the car. Really pisses me off seeing folks driving down the with their dog's head hanging out the window, sitting on the drivers lap pretending to drive, or roaming around the back. Talk about cruel. Ever see what happens to a dog when the breaks are slammed on, ...
by dekecarver
Sun Aug 07, 2011 5:54 pm
 
Forum: Personal Consumer Issues
Topic: How to train a puppy
Replies: 31
Views: 2430

Crate train. Repeat crate train.

And get a few books one being the Monks of New Skete.
by dekecarver
Sun Aug 07, 2011 5:47 pm
 
Forum: Personal Consumer Issues
Topic: How to train a puppy
Replies: 31
Views: 2430

10% on total or 15% pretax. Starting to go back to flat 10% and be done with it.

I'm getting kinda tired of the tipping BS. Mgmt just needs to figure in the tip into the cost of the meal then let the customer decide if it is worth it. Yes I've worked for tips and would not do it again.
by dekecarver
Sat Jun 25, 2011 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping Etiquette at Restaurants
Replies: 79
Views: 6742

All's well until 90 per my grandmother. After that each year gets a little more challenging. God bless her.
by dekecarver
Sun Jun 12, 2011 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age does it go downhill
Replies: 140
Views: 15913

seriously, i gotta ask what business model/product/service are you involved with making that kind of dough? I assume it is legit.

Thanks in advance for your reply and continued good fortune.
by dekecarver
Fri Jun 03, 2011 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: advice needed - tricky situation
Replies: 23
Views: 1894

very safe. enjoy your visit.
by dekecarver
Fri Jun 03, 2011 6:09 am
 
Forum: Personal Consumer Issues
Topic: How safe is it around the national mall in DC?
Replies: 26
Views: 2778

Problem for oil changes at 10K miles is that the oil filter is only good for about 6-7K miles per an independent mechanic. Anybody know if this is true?
by dekecarver
Wed Jun 01, 2011 6:13 am
 
Forum: Personal Consumer Issues
Topic: dealership service worth paying extra for? (60,000 miles)
Replies: 47
Views: 6306

Problem for oil changes at 10K miles is that the oil filter is only good for about 6-7K miles per an independent mechanic. Anybody know if this is true?
by dekecarver
Wed Jun 01, 2011 6:13 am
 
Forum: Personal Consumer Issues
Topic: dealership service worth paying extra for? (60,000 miles)
Replies: 47
Views: 6306

Write a check, payoff the loans and move on.
by dekecarver
Tue May 31, 2011 6:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Massive student loans + trust fund
Replies: 28
Views: 3002

I take right at 8 weeks off per year. Typically a (1) 2 week vacation, a few one weekers and a few 4-5 day weekend jaunts off. Not bad, keeps me interested.
by dekecarver
Wed May 25, 2011 5:06 pm
 
Forum: Personal Consumer Issues
Topic: In total, how many days do you spend on vacation?
Replies: 19
Views: 2274

yes. i didn't want to start out in love, with child and broke. i set a figure that i was happy with, made it and then got on with the family. no regrets.
by dekecarver
Sun May 22, 2011 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you consider the financial aspects of having children?
Replies: 151
Views: 11512
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