Search found 237 matches

by Devil's Advocate
Mon Jul 09, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5458

Re: Going solar?

I have been contemplating going solar as well on a new construction. The property we are going to build on is remote and it will cost $30,000 to have electricity access from local electric company. So basically I see that I can go off grid for around $30,000 after tax incentives and after that hopef...
by Devil's Advocate
Sat Jun 30, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 11
Views: 1499

Re: Vacation- home precautions?

1. turn off water main 2. turn off hot water heater 3. turn off AC in summer ; lower heater temperature in winter 4. have at least one light on a timer 5. stop mail from post office 6. cut grass the day before you leave ; in the Fall, pick up leaves the day before you leave 7. tell your most truste...
by Devil's Advocate
Fri Jun 29, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 6987

Re: What are you learning or studying?

Learning about off grid living, radiant heating systems, and energy efficiency home designs. YouTube, internet, medium of choice.

DA
by Devil's Advocate
Wed May 30, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5076

Re: Fitting three young kids in the car...

how about a SUV with captains chairs in middle row to allow easy access to third row seats? What's decent in that category? I have three little ones very similar to you. Test drove a Buick Enclave and while I did not buy it it was very nice and I would probably have bought that as a second choice. ...
by Devil's Advocate
Sat May 26, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Purchase agreement signed for 300k. 25k off asking price which was recently reduced from 350k. Told realtor I made the offer low to compensate for electricity access. First offer at 25k and they countered at 300k. Called courthouse prior and property may be built on with single family home. Property...
by Devil's Advocate
Sat May 26, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Not financially related, but my perspective someone who spent their childhood in a very rural setting, it felt as though I missed out on a lot of typical childhood experiences that my peers were having, which affected how I felt I fit in socially. Things that seem minor now as an adult, but felt al...
by Devil's Advocate
Sat May 26, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

That's a really long driveway and it sounds like you're in snow country. Are you prepared for dealing with that? As others have said, it sounds like a great lifestyle choice -- if you're the sort of person/family that wants that lifestyle! For others (like me) it sounds like hell on earth (or maybe...
by Devil's Advocate
Thu May 24, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Exciting plans! Quite out of the ordinary. Thinking of my wife, I would keep the current house or set up a trailer or something temporary on the lot to begin with. Stoneage tech is very timeconsuming. We had talked about an RV. As avid RV'ERS (rent them for 7-10 days in Alaska) she would be comfort...
by Devil's Advocate
Thu May 24, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Yukon, Thanks for the thoughtful reply. I did research solar and I don't think I can have an off the did system less than the 30k. In the Midwest we would need a boatload of panels. I know of a guy who did go off grid last year. He has a 15kw system. He can't leave in the winter b/c he has to sweep ...
by Devil's Advocate
Thu May 24, 2018 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Yeah I think that's probably a good idea veindoc. I emailed the listing agent asking to write written offer for 10% off asking price. The electric company charges 12/foot for overhead lines. The proposed building site is 2600 ft off grid. First 250 ft free. 29k,! I'm offering 30 k off listed price. ...
by Devil's Advocate
Sun May 20, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Why not stay put while you build the new house, then move once it’s habitable? I guess that's an option. Only thing is timing of selling our house. I would rather not put it on the market in the winter. Since kid is in school plan is to finish her kindergarten year here. If I put house on market th...
by Devil's Advocate
Sun May 20, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Be sure to find out if you can get the permits for a septic system or a sewer hookup and find out how much that will cost. Also check on the quality of the schools in that area. To me there are way too many moving parts and it would be a lot simpler if you just bought the property and built at the ...
by Devil's Advocate
Sun May 20, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

We have talked about doing something like this. Just caution this will either be the best thing ever for the family or very destructive. Wife needs to be 100% on board and excited about it. She is going to be stuck in a small cabin with 2 toddlers for a while and a drive to take them anywhere. Thin...
by Devil's Advocate
Sun May 20, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Re: Life Changes

Thanks for the replies! I will verify the ability to build on the land. I have a few calls to make including the farm service agency. I will have to buy out one acre of CRP from the government. I believe it cost the amount of money the previous land owner has received from that one acre. So if the c...
by Devil's Advocate
Sun May 20, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3564

Life Changes

Bogleheads, Wanted to run my situation by the group. I am looking to buy a timbered property one hour away from my current home/work. My plan is to morph out of my current role at work (healthcare) and start picking up work in a few other hospitals closer to my proposed land. I have already been hir...
by Devil's Advocate
Sat Apr 14, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Used Ford Explorer: Limited vs. Sport trim
Replies: 4
Views: 506

Used Ford Explorer: Limited vs. Sport trim

Bogleheads, I'm in the market for a new to me used car. Am looking at 2016/17 Ford Explorers. Want all wheel drive/4 wheel drive. Wife set on leather seats. Am not sure if getting sport package is worth it. Looks like it adds an additional three or four thousand dollars compared to Limited edition. ...
by Devil's Advocate
Tue Mar 20, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best 401k for small companies?
Replies: 12
Views: 1294

Re: Best 401k for small companies?

Does Employee Fiduciary act as both custodian and trustee?

DA
by Devil's Advocate
Tue Mar 20, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: guideline.com for small business 401K?
Replies: 25
Views: 3548

Re: guideline.com for small business 401K?

Does guideline.com act as both custodian and trustee?

DA
by Devil's Advocate
Tue Mar 13, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9426

Re: Dave Ramsey on Bonds

DanMahowny wrote:
Tue Mar 13, 2018 11:46 am
There was a time when Dave's advice made sense to me. Back then, I was paid by the hour, had mullet haircut, and drank Mountain Dew all day long.

Glad that version of myself is long gone.
That's hilarious Dan
Love it!

DA
:P
:sharebeer
by Devil's Advocate
Thu Feb 08, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell gold krugerrands?
Replies: 12
Views: 1602

Re: Best way to sell gold krugerrands?

I inherited six a year or two ago. I looked locally but they were all a pain in the rear end. Wanted to x-ray them and all that. Also were not competitive with the spot price. I looked online and sold it to the dealer in Arizona I believe. Very easily sold and paid appropriately. My brother sold som...
by Devil's Advocate
Sun Feb 04, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1240

Re: Is VPN needed on a home desktop PC?

I have been looking at dedicated VPN router/modem instead of software based vpn. Any opinions on this?

DA
by Devil's Advocate
Sat Jan 13, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12425

Re: IRS announces new withholding tables for 2018

An option for some to cut through the unknowns is to calculate their tax burden under the new law, set exemptions ridiculously high to make withholding 0 and enter in the additional amount to withhold per pay period on the next line based upon total due / pay periods in the year after accounting fo...
by Devil's Advocate
Mon Jan 01, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1802

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

In a little different situation I sent my favorite charity a donation to be charged to my credit card. Sent the form on the 23rd. It has not been processed by my credit card company yet. If it is not processed in 2017 can I deduct for my 2017 taxes? I am thinking I may chance it either way since ch...
by Devil's Advocate
Sun Dec 31, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1802

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

In a little different situation I sent my favorite charity a donation to be charged to my credit card. Sent the form on the 23rd. It has not been processed by my credit card company yet. If it is not processed in 2017 can I deduct for my 2017 taxes? I am thinking I may chance it either way since cha...
by Devil's Advocate
Sun Dec 31, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 5190

Re: Two-comma club just in time for the New Year, and thank you

Congratulations! Very impressive. Keep up the good work.

DA
by Devil's Advocate
Tue Dec 26, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3377

Re: Should we downsize?

I would keep your home. I'm mortgage free so I understand your preference to be debt free. That being said your income is good and you obviously love the house. You are plenty young enough to sock away enough retirement cash.

IMO keep the house you love.

DA
by Devil's Advocate
Mon Dec 25, 2017 3:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 9344

Re: My Christmas Present to You

Thank you for your service Taylor. Love your insights and wisdom.

DA
by Devil's Advocate
Sun Dec 24, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 6325

Re: Not investing through your 30's

Delaying gratification has paid off well for me.

DA
by Devil's Advocate
Fri Dec 22, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 23671

Re: Do you see a meaningful change in your income with new Tax Bill?

I believe I will save approximately ~20% on my federal taxes. Which isn't life changing. But that additional money will allow me to pick up less shifts and this increases my standard of living.

DA
by Devil's Advocate
Tue Dec 19, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7532

Re: Can I afford it: Dodge Challenger

My view is if you don't pay cash then you can't afford it. You seem to think that I am advocating you to not put in as much to your retirement funds. I disagree. You should be paying as much into your retirement AND saving for a cash only car. I would advocate this if you were buying a vanilla used ...
by Devil's Advocate
Thu Dec 14, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 9425

Re: Ameriprise :(

I'm sorry to hear about your situation. I am not sure how you can get out of the complex products.

Are these in 401ks/traditional IRAs? Roths? Taxable?

DA
by Devil's Advocate
Wed Dec 13, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind" That's exactly what is in the purchase agreement signed by landowner. Thanks Sandtrap. DA I'm not sure what force suc...
by Devil's Advocate
Wed Dec 13, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

I spoke to the landowner and he stated that the person leasing the hunting ground did not want my vehicle on the north side of the timber because it affected the way the deer traveled. In situations like this, where there is no compromise (old father and pregnant wife), all you can do it fight fire...
by Devil's Advocate
Tue Dec 12, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind"

That's exactly what is in the purchase agreement signed by landowner.

Thanks Sandtrap.

DA
by Devil's Advocate
Tue Dec 12, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

Curious - are any of the responses here by attorneys that specialize in this kind of law? I know real estate can be different, but OP has a signed agreement from the current land owner that he can access the land from the north, and precedent has been set for 5 years in regards to what access from ...
by Devil's Advocate
Tue Dec 12, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

I may be way off on this, but it sounds like deer hunting is the primary focus and not hiking. It also sounds like you've probably set up a nice blind on the North because the deer bed in the South and you're waiting for them to come in. You don't want to stir them up on your way to the blind (if y...
by Devil's Advocate
Tue Dec 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

A square 40 acre parcel would be about 1/4 mile on a side. Is it feasible to create a path, rather than a road, from the south side, with a crude bridge over the stream? The creek floods often so creating a bridge across could prove problematic. Plus pushing the deer away by driving thru the timber...
by Devil's Advocate
Tue Dec 12, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

I guess we had his written agreement to allow us access to the north. My father naively assumed he didn't need the easement.

I agree with all of you that this debacle could have been avoided at the purchase.

Seems like selling may be the best bet.

DA
by Devil's Advocate
Tue Dec 12, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

If it were me, and I wasn't too emotionally invested in the land, I'd sell it and walk away (if you don't get good news from your lawyer). Landlocked land is usually bad news, particularly if you don't have hard and fast legal access. Even if you get this sorted out and everything goes back to norm...
by Devil's Advocate
Tue Dec 12, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

Not sure given the agreement, but should have had an easement designated and in the title. I actually own a similar piece of land, except I’m the one that you have to access through to get to a 20 acre parcel. There is no easement and it’s not on the title work. When I bought the land I politely to...
by Devil's Advocate
Tue Dec 12, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Re: Access to landlocked timber blocked by landowner

I should add that the only decent way to get to this north side of the property is through his field. There is a fairly large Creek that divides the property. Also most of the deer that we would be hunting bed on the south side of the property and we would have to drive by them and then walk all the...
by Devil's Advocate
Tue Dec 12, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3558

Access to landlocked timber blocked by landowner

Bogleheads, My father purchased a landlocked 40 acre timber a few years ago to sell timber and for recreational activities ie. hunting, hiking, etc. The seller of the timber owns all the adjacent property. There is a deed which grants access to the south side of the timber. In the final purchase agr...
by Devil's Advocate
Sat Dec 09, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Trying to nail down asset allocation for second bucket
Replies: 43
Views: 1996

Re: Trying to nail down asset allocation for second bucket

I don't know how your asset allocation should change over time in the period from retirement to the onset of significant income. I have an intuition that it shouldn't change by very much. The issue would be strongly affected by what fraction of your assets you need to consume to get through the ini...
by Devil's Advocate
Wed Nov 29, 2017 3:23 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 18176

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Granted, he “saw the light” nearly 4 years ago, when BTC was $114. He bought $10K worth. I’m thinking it might be time to take some profits. He is a working stiff, but also a business man and a smart one at that. His opinion is that if if it goes to zero, $10K won’t break him, but if he sells, he m...
by Devil's Advocate
Wed Nov 29, 2017 1:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 10321

Re: Can I afford a $1,400,000 house

Yes, you are both Doctors. The rules you live by are different than the rest of us. It is very unlikely that either of you will ever be out of work for long or ever take a pay cut. Sorry, Being a physician does not change the math. If anything the situation is worse since physician burnout is a fai...
by Devil's Advocate
Tue Nov 28, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 10321

Re: Can I afford a $1,400,000 house

Yes, you are both Doctors. The rules you live by are different than the rest of us. It is very unlikely that either of you will ever be out of work for long or ever take a pay cut. Sorry, Being a physician does not change the math. If anything the situation is worse since physician burnout is a fai...
by Devil's Advocate
Sat Nov 25, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: the psychology of a taxable account
Replies: 29
Views: 3911

Re: the psychology of a taxable account

I max out tax all deferred accounts every year available to me. I am thinking of starting a taxable account. I am also thinking of paying down some low interest mortgage debt in lieu of the taxable account (forced savings). Tax deferred accounts are easy for me to mentally categorize as 'untouchabl...
by Devil's Advocate
Wed Nov 22, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3387

Re: HELOC to Maximize Retirement Contribution

I don't disagree Klang. Good analysis as usual.

DA
by Devil's Advocate
Wed Nov 22, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3387

Re: HELOC to Maximize Retirement Contribution

1) If you use those tax-advantaged space, you will pay more tax in the future. Plus, paying interest on the HELOC now. So, why do you want to do this? KlangFool, Thank you. I thought that I will accumulate wealth if I pay a lower rate for HELOC than the rate of return of my investments. Is this tru...