Search found 502 matches

by Carson
Mon Dec 11, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 46
Views: 3140

Re: Year end review with less nerdy spouse

The financial analyst in me wants to prepare a year end summmary, yet my #1 stakeholder does not require nor want any manner of financial reporting. :happy So we mainly manage this in an agile fashion, talking about needs/wants from the phase of just kicking around an idea, setting it as a goal, and...
by Carson
Thu Dec 07, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 34
Views: 1967

Re: 4WD necessary/recommended on Big Island, HI

DH is an experienced Wrangler driver. We rented a 2-door wrangler when we spent a week on the big island. We primarily rented it so we could go to Mauna Kea - 4WD wasn't needed because of the road conditions on the way up, it's because you would just burn brakes on a regular vehicle on the way down....
by Carson
Thu Nov 23, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Filing Illinois Income Taxes Online
Replies: 11
Views: 912

Re: Filing Illinois Income Taxes Online

We have a pretty straightforward, tax return. Filing online through the state is so incredibly easy - honestly the most painful part is entering the W2 details. Does anyone know how the new tax rate that went in effect 7/1 will work in practice? Are they just going to do an average/blended rate? Or ...
by Carson
Wed Nov 22, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2716

Re: Christmas gifts for lots of kids (experiences or stock)?

My well-meaning dad just gave my boys named envelopes with the promise that it was something exciting, and it was a check to be deposited in their UTMA accounts. I am not knocking his generosity, and my oldest (8yo) took the lesson that money is set aside for saving, not spending, but... :) it was a...
by Carson
Thu Nov 09, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: FSA Worth the Hassle?
Replies: 11
Views: 1344

Re: FSA Worth the Hassle?

I just want to clarify that you are talking about Daycare Flexible spending, specifically. I'm not sure if this is a rule across the board, but unlike Healthcare FSA, you can't get the money right away at the beginning of the year, you can only get what you have put in. And then each period that mor...
by Carson
Mon Oct 16, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6453

Re: Trash dumped on curb (need advice)

We have this issue with a multi-family building nearby and I cannot figure out why.

Every time the garbage is there longer than a week, I put in a service request with our city sanitation department. It's disgusting the amount of stuff they leave out and harbors vermin.
by Carson
Wed Oct 04, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1518

Re: Where/when to get good deals on athletic shoes

I generally the kids' from 6pm.com. However, I am ridiculously picky when it comes to my athletic shoes. It has to be a good price/deal, as well as a perfect fit. This last time around, I bought a couple pairs from Dick's tent sale, tried them around the house and took back what didn't work. IIRC, I...
by Carson
Mon Oct 02, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2166

Re: On the video games path - how to set it up with younger kids

We have a 7.75 yo. Last year we allowed him 30 (okay, 45) mins on Saturday nights, IF he had a solid week of school - completing his work, taking showers :shock: , and at least putting in the recommended amount of studying for his spelling. It's not an option on weeknights - there's just too much go...
by Carson
Sun Oct 01, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Budgets: how do you track irregular income and expenses
Replies: 35
Views: 2587

Re: Budgets: how do you track irregular income and expenses

I escrow to myself for a batch of irregular expenditures: prop tax, water bill, car repair, etc... it's probably 7 items? Each month I transfer a fixed amount over. Then when those bills come in, I pay from that account. I like to keep cash flow for our 'needs' pretty smooth and predictable, because...
by Carson
Thu Sep 28, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4776

Re: $700 to install a dishwasher seem by a plumber?!

You're Chicagoland so go to Abt in person or online and order your dishwasher, they'll do white glove delivery and install. Make sure to haggle with them on price, helps if you're buying more stuff. I am going to second ABT. They are a first-class company, based here in Chicago. Buy your DW from th...
by Carson
Wed Sep 20, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3133

Re: Should I even bother with buying a school picture?

Nope. I have taken my kids to a department store studio each year for headshot style photos. I like that I can review before purchase, it takes 15 mins and costs $4 per sheet that I want. I can get exactly the sheets I need for family. ETA, my oldest was super cute up till about 4 years but it is ve...
by Carson
Mon Sep 18, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Comforter: Down Filling with Cotton Covering
Replies: 12
Views: 1532

Re: Comforter: Down Filling with Cotton Covering

You may have better luck searching for organic cotton down comforter. Here is one from the company store:

http://www.thecompanystore.com/bedding- ... ml#start=1
by Carson
Thu Sep 14, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Are Cotton Blankets Good For Winter?
Replies: 21
Views: 1753

Re: Are Cotton Blankets Good For Winter?

The super soft fleece is called cuddle fleece or minky fabric, I have never seen it made into pajamas that has the texture it on the inside. A seamstress could probably make a pj set pretty easily. One thing to note if you find the fabric is it will say that it is not suitable for children's sleepwe...
by Carson
Thu Sep 14, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Home Project - Front door, porch and walkway
Replies: 11
Views: 1325

Re: Home Project - Front door, porch and walkway

You can likely get an exterior door and its sidelite (that's the half window thingy) as one unit to install, depending on the dimensions. The storm door (outermost door with screen/glass) is separate. We have some 90-year old doors, and we installed spring bronze weatherstripping on the sides and a ...
by Carson
Mon Aug 28, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: My experience with buying from Hertz
Replies: 15
Views: 2468

Re: My experience with buying from Hertz

First off, glad that you had an overall good experience. But second, I have a question - what was the fix for this? I just discovered (thanks to my son :annoyed ) that my seat has been un-clipped. I haven't even had time to look for a solution yet so just thought I'd ask. - Someone has sewn the plas...
by Carson
Thu Aug 10, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 1961

Re: Leather couch, dog scratches -- help?

You describe the leather as 'flaking' off which to me implies it is not solid leather but laminated/bonded? In that case there is nothing you can do to repair it, short of preventing more wear - either keep the dog off the couch or try a surefit furniture protector specifically designed for pets. We...
by Carson
Mon Aug 07, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing (psychologically) with variable income
Replies: 15
Views: 1243

Re: Dealing (psychologically) with variable income

Have you thought of having a 'spendings' account where you put a bit each month to be able to draw from? If you average out your monthly expenses and then compare that to an estimated cash flow each month, you would be able to see the gap that you would want to put in this account. Our income is fix...
by Carson
Mon Jul 24, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Teenager taking out loans to establish good credit
Replies: 24
Views: 1660

Re: Teenager taking out loans to establish good credit

The joke part being, apparently that in some cases the teenager charges stuff to the card, but Mom&Dad pay the entire monthly bill, right? In DH's case the joke part is that his 'oldest account' on his credit report was opened before he was born. It was a huge debacle to get that removed from his c...
by Carson
Fri Jul 21, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Allowed expenses for charity?
Replies: 5
Views: 389

Re: Allowed expenses for charity?

I helped my brother with this because he was doing a lot of travelling to do church builds. The IRS Publications are actually pretty clear and helpful.

EDIT, just cross posted with above, giving the same IRS guide. Can you go through each of those points and see how it applies to your situation?
by Carson
Mon Jul 17, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 3174

Re: Teeth Whitening

I use trays. My dentist made them for me for around $100, came with 4 tubes of gel, and I get about 6 nights of application out of a tube. I ripped through the first three in about 5 or 6 weeks, then waited about 6 months. I'm on day 5 of my 4th tube today, will finish it this weekend, and probably...
by Carson
Wed Jul 12, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2822

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

+5 or more for looking at other car seats before you look at vehicles. You can take your car to BuyBuyBaby or Babies R'Us and see how the seat fits in your car. There are valid safety reasons for your grandchild to be rearfacing as long as possible, so it makes sense to look with that in mind. We lo...
by Carson
Sun Jul 09, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How does fixed pension affect your target net worth?
Replies: 8
Views: 1255

Re: How does fixed pension affect your target net worth?

[color=#000000 I didn't use any rules of thumb or multiples in our retirement financial planning - as retirement approached I estimated a reasonable monthly budget based on our expenses and then netted out anticipated SS and pension(cola'd) to arrive at a monthly asset draw - I put this all on a sp...
by Carson
Wed Jul 05, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6188

Re: What are your health insurance stats?

OP, our plan stats are remarkably similar. However, one caveat - ours is a grandfathered plan that does not cover preventative or routine wellness care. Premium: $241/month for family of four Deductible: $250 per individual/$750 family maximum Co-insurance after deductible: 10% paid by me / 90% paid...
by Carson
Mon Jul 03, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: First six months savings review
Replies: 8
Views: 1118

Re: First six months savings review

If it's mine I will really get depressed. Well, not necessarily. I think savings % is very personal and depends on a variety of factors and in this case we have no idea how the OP got to that savings rate, what he considers 'savings' and what his expenses are. To make this actionable, maybe the OP ...
by Carson
Mon Jun 26, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 39
Views: 3942

Re: Won an ATV in a raffle...now what?

Any chance you are in IL? DH is aboard member our local little league (registered 501c3), and they are shopping for a new ATV. I'm sure they'd gladly accept your charitable contribution. :beer
by Carson
Mon Jun 19, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage and Low-Income
Replies: 26
Views: 2944

Re: Mortgage and Low-Income

* Does a $180k mortgage sound too high? Is there a mortgage-calculator-of-choice on this forum? When I got a promotion and DH got a job, we were looking at getting a new house. The best mortgage calculator was making a list of our monthly savings needs , actual expenses, and new house expenses, and...
by Carson
Tue Jun 06, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 18
Views: 3017

Re: EZPass not read, rental car, high fee

As long as the line isn't brutal we go through the manual toll line if it is an option. That way we know we are in the clear.
by Carson
Tue Jun 06, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Tupperware Set / Systems
Replies: 13
Views: 1110

Re: Tupperware Set / Systems

I think the containers my wife picked out are called Rubbermaid Premier. They're hard plastic with rubber-edged lids. +1 for these as well. I only use 4 different sizes of these ones and banish everything off size or off brand to a 'give away' drawer. I clean this out after thanksgiving when I have...
by Carson
Mon Jun 05, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Power percentage: A more effective metric of financial performance than savings rate?
Replies: 47
Views: 4064

Re: Power percentage: A more effective metric of financial performance than savings rate?

Although paying down debt is a very healthy financial activity, having the debt in the first place generally isn't! Any financial health score should tend to penalize those with high debt and reward those with little debt. I strongly agree with this point. Also, I have seen from peers that the firs...
by Carson
Tue May 30, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 4478

Re: Multiple seat belt tickets- options?

Were they not wearing seatbelts at all or were they not in car seats or booster seats? I can understand not knowing that an 8 year old must be in a booster seat, but its hard to see not knowing that seatbelts are required? I assume this is the case as well, and hopefully the OP can come back to cla...
by Carson
Mon May 29, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?
Replies: 22
Views: 2262

Re: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?

Just because some doors are tight you're assuming a foundation issue and others are suggesting a quick pass? Seems to me to be jumping to conclusions prematurely. Maybe because I live in a 100 year old house and am in a historic neighborhood, but most of the homes have some floors that are slightly...
by Carson
Thu May 11, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: LVP flooring installation DIY - your experience?
Replies: 10
Views: 1099

Re: LVP flooring installation DIY - your experience?

If it were a glue down method, I would have said you need to include in your DIY cost the adhesive and renting a floor roller. But considering it is click and lock, it should be pretty easy, especially if you've already installed laminate. DH installed LVT wood look planks in our basement and I love...
by Carson
Thu May 11, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 5650

Re: Can you suggest a mortgage lender who does not resell

I would recommend doing your own escrow. That has been a pain point for me when I borrowed money. Yes x1000. It was such a hassle. I am a responsible person and very capable of managing my cashflow, and much rather do this myself. Especially in this house we had a ton of issues with the property ta...
by Carson
Mon May 08, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Buying New Car With Trade In Options
Replies: 15
Views: 1126

Re: Buying New Car With Trade In Options

You are trading in or buying a TDI?
by Carson
Wed May 03, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: best way to get a handle on expenses?
Replies: 16
Views: 1449

Re: best way to get a handle on expenses?

I pay everything via credit card, and at the end of the month download the transactions to excel. I categorize each expense by pre-determined budget categories. It takes about a half-hour per month. This is my method as well, except I do it once a week, and it's about 15 minutes. The things I can't...
by Carson
Thu Apr 20, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicating your bonus to something
Replies: 30
Views: 3402

Re: Dedicating your bonus to something

We don't consider our bonuses in our regular annual budget. DH's is fairly small; mine swings wildly based on company performance. It was always fairly 'immaterial' to me, except last year when it was significantly higher than I would have expected. :shock: We run a pretty tight ship and meet our sa...
by Carson
Mon Apr 10, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 2216

Re: Help me decide what to do with my cars

I understand the backseat thing. Now it's recommended for kids to rearface longer, and that can make longer drives more difficult because of the attention they need. I do have a suggestion - have you looked at getting narrower carseats? We have a radian (now diono) in the back and I love it. It supp...
by Carson
Fri Apr 07, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 4098

Re: Budgeting vs Tracking Expenses?

Why do you need to allocate $175 to car repairs? Will you spend the money otherwise? Do you not have enough in your savings account to cover the car repairs? I do the same as the original poster, but in Excel. I do it mainly to smooth the cash flow and not give a false impression of where we have a...
by Carson
Fri Apr 07, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 4193

Re: Switching Jobs for less...Has anyone done this....

I switched to part-time at 50% 'work' and 50% pay. I was working as a financial analyst at the time and the job was very demanding, I had 1 small child and we were working on the second. So I proposed it to my manager with the intention of quitting altogether if PT didn't work out. I ended up fundin...
by Carson
Thu Apr 06, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2931

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

We have a 2016v2 Mazda 3 in he grand touring trim and have been really happy with the integration of our iPhones into the car environment. Mazda was where we needed to be both with price point, performance and economy when we were looking. Maybe I am missing the exact advantage of CarPlay but music ...
by Carson
Thu Apr 06, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 6407

Re: How many financial secrets?

No secrets, we're definitely a team and on the same page, philosophically, about finances and our goals. That said, my spouse is definitely not interested in the day to day management of said finances. He leaves bill paying entirely to me and I also make smallish investment decisions without his di...
by Carson
Wed Apr 05, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 8468

Re: Career advice in IT

I have worked at Megacorp business support functions for IT for awhile. Finance, supplier management, now project management. For me, I found Supplier management enjoyable, and there was a lot of analysis, a lot of high-profile deals and deadlines. But it was not a great role with a family. For you,...
by Carson
Mon Apr 03, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 28290

Re: Low-earners- What is your profession?

DH is in public service, is very well paid for his town compared BLS medians. But overall income is low compared to BH medians :) I work for a Megacorp in a program mgmt role, part-time. He is planning to retire at 50. At that point, he will have a pension equal to 50% of his salary. To afford this,...
by Carson
Thu Mar 30, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is Ally Bank's Overdraft Transfer Service unlimited?
Replies: 7
Views: 1116

Re: Is Ally Bank's Overdraft Transfer Service unlimited?

I would dig a little further. There may be a limited number of withdraws you can do each month without penalty.
by Carson
Tue Mar 28, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 6178

Re: Daughter maxed out credit cards, needs help from me

The good thing is it is not *that* bad, but I know it's all relative. We helped out my SIL (DH's sister) in a similar manner. It was a little different because she was not our daughter, but we started small, and paid off her highest loan, then she paid us back. Once that one went well, we did a larg...
by Carson
Mon Mar 27, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable items
Replies: 13
Views: 1067

Re: Charitable items

I just reviewed the rules myself. Our dog passed away last year and I donated a bunch of supplies to a local rescue that is a registered NFP in the IRS databse.. I'm planning on deducting their FMV of goods in used condition and I have a receipt from the rescue stating as such.
by Carson
Thu Mar 23, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 95
Views: 5872

Re: How did you do your income taxes?

Through the year, I keep a running tally in our budget file, based on details in our paychecks. That gives me a general idea. When I got the actual docs, I loaded my stuff into HR Block Online , as I have for the past several years, somehow the price they were offering me was $50-ish? :shock: With t...
by Carson
Sat Mar 18, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 5728

Re: Looking for a snazzy car

I would take a look at the Mazda 3 5-door Touring. I think it is the most beautiful car in or near its price range and supposedly is very fun to drive. I can say that I test drove all the small crossovers last year and the Mazda CX5 was more fun to drive than the Honda or Toyota offerings. m This i...
by Carson
Fri Mar 17, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Pension closing analysis
Replies: 5
Views: 639

Re: Pension closing analysis

Thanks all. I mainly wanted to check the assumptions for accuracy. I'm not super worried about remarriage/spousal income scenarios (DH is set without me ) I do understand the loss of purchasing power.I understand the approach to keep it simple, and while I suppose it is a slippery slope, we have a p...
by Carson
Thu Mar 16, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pension closing analysis
Replies: 5
Views: 639

Pension closing analysis

Megacorp is shutting down their pension of which I am a young vested member (35 yo). This is a very small amount (would argue it is negligible) of my retirement plan, and I am not concerned about survivor benefits as my loss in preparing their dinner would be much greater However, I feel compelled t...