Search found 140 matches

by dekecarver
Tue Jun 23, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 1977

Re: Canoe recommendations

I might add even though you did not ask; Whiskeyjack paddles are awesome, unbelievable feel.
by dekecarver
Tue Jun 23, 2015 6:00 am
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 1977

Re: Canoe recommendations

Mad River Duck Hunter 16 ft canoe.

I use it specifically for lake touring. Fast, easy paddling, very stable etc.. You won't look back unless you go with something in the 40-50 pound range in a 16 footer.
by dekecarver
Wed May 27, 2015 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2624

Re: Net Worth

Thanks for the replies.
by dekecarver
Tue May 26, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2624

Net Worth

Just a question regarding net worth. Do you count your defined benefit retirement pension as part of your net worth. Ex: If you plan on retiring at 55 and your retirement from State Gov retirement plan is $45K/yr and lets say you plan on living another 35 years :D would you count that as roughly $1,...
by dekecarver
Tue Apr 07, 2015 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 15160

Re: Family member asking for money

Tough situation because of the family relationship. There comes a time when you gift the $ unconditionally or step out of the gifting business with an objective reason.
by dekecarver
Mon Apr 06, 2015 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Best way for grandparent to give to grandchild
Replies: 4
Views: 932

Best way for grandparent to give to grandchild

Good morning all, I recently had a discussion with my father who informed that he has established a fund for my 9 year old(his only grandchild) and also has a KEOUGH account that he no longer funds that he will probably leave for for him. I did not get into details with how this was being establishe...
by dekecarver
Fri Mar 06, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 22712

Re: Wife tired of saving...

After re-reading the thread and picking up on your wife's daily 80 mile drive, she should be the one defining what comfortable is. Hell look at what you guys have accumulated at a young age. Finances is not all always about the numbers, open honest communication is priceless, maybe you guys have tha...
by dekecarver
Wed Mar 04, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 22712

Re: Wife tired of saving...

Sit down talk with DW. Late thirties, two children, life changes. DW could be experiencing premenapausal changes, just a thought. A lot cheaper talking, figuring out things, making some changes so that all are comfortable rather than waking up too late, regardless of the driving contributor/s. Again...
by dekecarver
Fri Feb 27, 2015 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 10256

Re: Is the first 100k really the hardest?

Is it hard: It really depends on how much you make and how much you spend.
by dekecarver
Tue Feb 24, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 9661

Re: Guns for hunting/defense

Fox and Merkel for upland
Sako for big game
Remington and Merkel for waterfowl
by dekecarver
Wed Feb 18, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: How best to use gifted 25k. . .
Replies: 25
Views: 2193

Re: How best to use gifted 25k. . .

Personally I'd invest the money to maximize the compounding principal and time. Once you break the $100K principal milestone, gear up for another. Amazing how money can work for you if you put it to work. On the other hand, if DW wants to buy a few things or take a trip, you'll get more out of that ...
by dekecarver
Sat Jan 24, 2015 3:55 am
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 3566

Re: Grandfather wanting to transfer portfolio to kids. Ques

It's his money. Go along for the ride, learn as much as possible and stay the course or divert when the funds are in your mom's hands. I'd venture to say that getting the old man to a lawyer/tax account would be a futile attempt as most his age and background have no trust or little at most with tho...
by dekecarver
Wed Jan 21, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: One milestone achieved, 2 commas
Replies: 4
Views: 1226

Re: One milestone achieved, 2 commas

To answer the two questions: As far as getting here I kinda knew it would happen if my wife and I just stuck with it. We are not high earners compared to others but have always LBM. Never had a problem saving money, spending on the other hand takes me a while. I don't go without what I need. Next mi...
by dekecarver
Wed Jan 21, 2015 6:37 am
Forum: Investing - Help with Personal Investments
Topic: One milestone achieved, 2 commas
Replies: 4
Views: 1226

One milestone achieved, 2 commas

Hi all, Another poster recently acknowledged hitting a milestone with help from this board. I didn't want to jump on his thread but also wanted to say thanks to the posters on this board for helping me get there as well. I'm not one to run numbers often (maybe once a year) but did so the other night...
by dekecarver
Sat Jan 10, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Co-mingling Investments with Partner
Replies: 13
Views: 1537

Re: Co-mingling Investments with Partner

I am a firm believer in keeping some things separate. Now that you have an assumed need to commingle additional assets, I'd suggest that you don't, but rather increase what you both put in your joint account with new money and continue keeping premarital assets separate. Considering both your backgr...
by dekecarver
Fri Jan 09, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Married - Want advice merging Portfolio & Taxes
Replies: 24
Views: 2290

Re: Getting Married - Want advice merging Portfolio & Taxes

I would not co-mingle current assets. If you want to co-mingle, do that with what you earn together after married. Or continue to hold finances separate and establish a joint account for household stuff by each putting in a set percentage each month while maintaining you own accounts. That has worke...
by dekecarver
Sun Jan 04, 2015 7:15 am
Forum: Investing - Help with Personal Investments
Topic: College Funding: Roth TSP vs 529 (Older Military Couple)
Replies: 23
Views: 1643

Re: College Funding: Roth TSP vs 529 (Older Military Couple)

Just a thought regarding funding edu: Why not max out all retirement funds first and invest excess in taxable accounts that you own so that you control, that way there is a retirement foundation laid for say 20-30 years. Then when kiddos are ready for college (it is an assumption that all kids will ...
by dekecarver
Sat Jan 03, 2015 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3654

Re: job advice: move to Florida Keys??

My quick thought based clearly on assumptions: You aren't happy with the current situation. Job wise, take the jump now, you are young with no long term tenure. Relationship wise, 6.5 years and no formal commitment; well it works for some and not for others. Long distance can make the heart grow str...
by dekecarver
Sat Jan 03, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 62
Views: 11917

Re: Nice couches are pricey, where I can get them for less?

Don't skimp on cheap furniture if you plan to keep it a long time. We just got rid of leather chairs we've had for 25 years, literally wore them out. Expensive at the time but cheap in the long run. I order Bradington Young from Black Lion out of NC for leather furniture. No problems and very good p...
by dekecarver
Sun Nov 23, 2014 9:24 am
Forum: Personal Consumer Issues
Topic: Dominican Republic: Punta Cana
Replies: 6
Views: 935

Dominican Republic: Punta Cana

Hello folks,
My wife and I are planning a long weekend trip to Punta Cana this coming March. I'd appreciate any suggestions/experience if you have vacationed in PC. We are looking into an all inclusive package.

Thanks in advance.
by dekecarver
Sun Jun 08, 2014 9:23 am
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 6319

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
Sat Mar 29, 2014 4:30 am
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 7112

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 Quincea├▒era 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
Thu Mar 20, 2014 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r form
Replies: 3
Views: 246

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 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: 1099r form
Replies: 3
Views: 246

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
Tue Mar 11, 2014 7:55 am
Forum: Investing - Theory, News & General
Topic: Is 529 plans that bad? [White Coat Investor article]
Replies: 35
Views: 2793

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
Sun Mar 09, 2014 8:30 pm
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 6400

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 7:47 am
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 7136

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 7:41 am
Forum: Personal Finance (Not Investing)
Topic: HUGE retirement decision.
Replies: 71
Views: 7136

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
Wed Mar 05, 2014 8:43 pm
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 9317

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
Mon Feb 24, 2014 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 10399

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
Sun Feb 16, 2014 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6512

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
Mon Jan 20, 2014 3:04 pm
Forum: Personal Consumer Issues
Topic: Time to buy a new/used car? When to call it quits on a car..
Replies: 22
Views: 1905

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
Sun Jan 19, 2014 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 7123

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
Sat Jan 18, 2014 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 13085

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
Fri Jan 17, 2014 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 8350

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
Thu Jan 16, 2014 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 30076

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 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 30076

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 6:34 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 30076

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
Sun Dec 15, 2013 11:14 am
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Total Bond
Replies: 4
Views: 969

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
Tue Dec 03, 2013 9:11 pm
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 6165

Re: Wine for daily consumption?

Sebastiani Cab ~$12/bottle
by dekecarver
Sun Nov 17, 2013 7:59 am
Forum: Investing - Help with Personal Investments
Topic: college fund: 529 or more in 403b/457,/Roth? (In CA)
Replies: 9
Views: 1332

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
Mon Aug 12, 2013 5:15 pm
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 4051

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
Fri Aug 02, 2013 7:17 am
Forum: Personal Consumer Issues
Topic: Green Egg BBQ/Smoker
Replies: 48
Views: 3885

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
Sun Jul 21, 2013 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Lake condo expenses
Replies: 15
Views: 2119

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
Tue Jul 02, 2013 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 789

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 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 789

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 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 789

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
Sat Jun 29, 2013 8:04 am
Forum: Investing - Help with Personal Investments
Topic: First stock for a twelve year old
Replies: 46
Views: 3392

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
Thu Jun 06, 2013 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Adjustable Target Life Ins
Replies: 9
Views: 789

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...

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