Search found 2726 matches

by Twins Fan
Sat Feb 13, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Allocating Personal Defense dollars...
Replies: 17
Views: 1515

Re: Allocating Personal Defense dollars...

OnFire - If I were you I'd spring for the C2. Pepper spray is unpredictable and doesn't disable a shooter from firing, just from aiming. What?? Shooter like a gun? The OP should not be using either if someone is aiming or shooting a gun at them! They should be running and hiding!! This is a topic w...
by Twins Fan
Sat Feb 13, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: How best to transfer vehicle to son who is moving to WA
Replies: 13
Views: 772

Re: How best to transfer vehicle to son who is moving to WA

I just did this in 2014. Dad's truck was in MN and he wanted me to have it after he passed away. Mom had it put in her name in MN after he passed. When I had a chance, I flew out and drove it back to WA. Mom signed title over to me and where it said sale amount she wrote gift from parent. I register...
by Twins Fan
Sat Feb 13, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance mortgage or nah?
Replies: 6
Views: 373

Re: Refinance mortgage or nah?

I say, yes. Taking over half a point off, giving yourself about an extra $100/month, barely into the current mortgage so not resetting that much, and you plan to stay put for a good while sounds like all pluses to me. I wouldn't sit and wait to see what rates do. They could go down more... they coul...
by Twins Fan
Sat Feb 13, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Very short term investment with Betterment
Replies: 5
Views: 246

Re: Very short term investment with Betterment

It seems like even with 100% bond fund, the yield is slightly better than 1% APY saving account. I've never done I BOND or TIPS and I don't know how good they are in comparison to the 100% bond fund. How much would "slightly better" even get you in 16 months on $64k?? I BONDs have a $10k/...
by Twins Fan
Sat Feb 13, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Allocating Personal Defense dollars...
Replies: 17
Views: 1515

Re: Allocating Personal Defense dollars...

See this recent thread about the possibilities of the OP leaving the job or station...

viewtopic.php?f=2&t=179689&p=2721158#p2721158

He prefers it... and prefers to worry about it a lot. :confused
by Twins Fan
Sat Feb 13, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bizarre lease problem
Replies: 28
Views: 1725

Re: Bizarre lease problem

I'd like to help my friends, but I don't even know where to start. They have an attorney, the lesees have court appointed representation. Sounds like it's already started. What do you think you will be able to come up with that the lawyers and courts don't know of? Well, this is a troubling problem...
by Twins Fan
Sat Feb 13, 2016 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Bizarre lease problem
Replies: 28
Views: 1725

Re: Bizarre lease problem

pkcrafter wrote:I'd like to help my friends, but I don't even know where to start. They have an attorney, the lesees have court appointed representation.


Sounds like it's already started.

What do you think you will be able to come up with that the lawyers and courts don't know of?
by Twins Fan
Sat Feb 13, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: Allocating Personal Defense dollars...
Replies: 17
Views: 1515

Re: Allocating Personal Defense dollars...

That's a nice long post, On Fire. But, one that we can't really answer for you as to what to prioritize. That's going to be up to you. Why aren't the police there on the harrowing calls like an agg. assault at a party, car chases, and shootings? They should be. Where I work, fire would NOT go into t...
by Twins Fan
Fri Feb 12, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: To Sell or Keep my Investment Property??
Replies: 14
Views: 706

Re: To Sell or Keep my Investment Property??

I believe with a 1031 exchange you could also to that to get into two rentals, or a duplex/fourplex, or.... If you are looking for get more into owning rentals/landlording.

Otherwise, if you don't mind being away from the Boston condo and being a far away landlord, it sounds like a good one to keep.
by Twins Fan
Fri Feb 12, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Time to halt mortgage prepayments and invest in taxable?
Replies: 19
Views: 1724

Re: Time to halt mortgage prepayments and invest in taxable?

... until last year when I started favoring becoming debt free. Emotionally I'd prefer to become debt free and keep things simple... I think you answered your question within your own post. :happy But if you can't decide, split 50/50 between the mortgage and taxable. A little of both that way.
by Twins Fan
Fri Feb 12, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1951

Re: What to do with $13 of hobby money?

Seriously though, put it in an envelope and mail it to me. I'd like payment for the last 5 minutes of my life. Haha... Yes. Actually, divide it up evenly between the 600 plus folks that unfortunately opened up this thread thinking a "k" was missing after the 13 and send it to them. :happy
by Twins Fan
Fri Feb 12, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1951

Re: What to do with $13 of hobby money?

Explanation 1 applies to me also, so I like the entertainment value of the second scenario also. :D
by Twins Fan
Fri Feb 12, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: To Sell or Keep my Investment Property??
Replies: 14
Views: 706

Re: To Sell or Keep my Investment Property??

How long has it been a rental? The whole time since 2011, or just the last year or two? You may still be in the 2 out of 5 year window to avoid capital gains if it hasn't been a rental long. Either way, you're looking at a nice chunk of change it you sell. I probably would since your not in the area...
by Twins Fan
Fri Feb 12, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 1951

Re: What to do with $13 of hobby money?

Not to steal the thread, but.....

I have $6 in my wallet. What is the best way I can make use of this money? :wink:

Throw it in your wallet and use it as small cash needs come along.

What was the point of this thread???
by Twins Fan
Fri Feb 12, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you know about your extended families financial picture?
Replies: 27
Views: 2235

Re: How much do you know about your extended families financial picture?

Do you know much about your family finances? Nope. Although, it's jut my sister and I now. I/we did know all about my mom's finances before she passed (dad passed before her), as her health was failing and she wanted us to know. I think that's different though and makes sense for a parent to make i...
by Twins Fan
Tue Feb 09, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Questions from a Novice Investor
Replies: 3
Views: 169

Re: Questions from a Novice Investor

If you feel the market is getting "killed" right now, that's actually the best time to buy. :happy
by Twins Fan
Tue Feb 09, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Fender bender on pretty new Civic
Replies: 27
Views: 1740

Re: Fender bender on pretty new Civic

Yes, stop handing out the legal and police advice in this one. It's getting out there... No one is put under oath before telling what happened to make an accident report. It's too late to file an actual police report, as in the police respond, investigate, and write a report. Most places have a self...
by Twins Fan
Tue Feb 09, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 4229

Re: What is your opinion on the Federal goverment retirement plan?

Why wouldn't it be a good deal? Basically, one saves 4.4% throughout their career to get an income stream the rest of their life after retiring. Not many places offer than anymore. No different from a person taking a portion from their 401(k) plan that they contributed to over many years and purcha...
by Twins Fan
Tue Feb 09, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell investment property
Replies: 15
Views: 997

Re: Should I sell investment property

Whoops, I did forget about state tax. 15% in CA for selling a home?? Yikes!! I sold my rental in CO last year and there was a 2% state tax. It was a sales tax of some kind though not an income tax, I believe. Maybe similar in CA? I'm hoping that can be deducted somehow? Haven't done 2015 taxes yet. ...
by Twins Fan
Tue Feb 09, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 50
Views: 2884

Re: Rental car for weekend trip to save on miles on new car?

And, filling up the gas tank. You're suppose to return the rental with a full tank, or they will charge more if you don't. Driving 250 miles probably isn't even a full tank of gas depending on the cars being talked about, of course. So, you can drive the rental 250 miles and fill up the gas tank bef...
by Twins Fan
Tue Feb 09, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 4229

Re: What is your opinion on the Federal goverment retirement plan?

... government provides a pension (paying 1% of highest three wage average) and 5% into 401k equivalent... and 4.4% of the salary is the employee contribution for the pension plan. Just to make sure you're looking at that correctly... It's not just 1% of the high 3, it's 1% of the high 3 x years of...
by Twins Fan
Tue Feb 09, 2016 8:20 am
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 4229

Re: What is your opinion on the Federal goverment retirement plan?

I understand the 401k equivalent and can compare that to private sector no problem. I am having a hard time wrapping my mind around the pension, since the employee has to contribute 4.4% to it. Is this still a good deal? Why wouldn't it be a good deal? Basically, one saves 4.4% throughout their car...
by Twins Fan
Tue Feb 09, 2016 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell investment property
Replies: 15
Views: 997

Re: Should I sell investment property

If you keep the current primary home as a hopeful/probable rental when you go to buy the million dollar home, it will likely count against you when you go to qualify for the new one without a long rental history on it. That combined with the tax exemption makes selling all three look more attractiv...
by Twins Fan
Mon Feb 08, 2016 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 50
Views: 2884

Re: Rental car for weekend trip to save on miles on new car?

You barely drive your car anyway. Drive it on the weekend trip and enjoy it. I guess we're all assuming you bought the car because you like it and wanted to use it?! :wink: :happy You can mental gymnastics it any way you want, but you're spending money to not use the car you own if you go the rental...
by Twins Fan
Mon Feb 08, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell investment property
Replies: 15
Views: 997

Re: Should I sell investment property

If you keep the current primary home as a hopeful/probable rental when you go to buy the million dollar home, it will likely count against you when you go to qualify for the new one without a long rental history on it. Assuming you go right from one to another, if you tried that route. Something els...
by Twins Fan
Mon Feb 08, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell investment property
Replies: 15
Views: 997

Re: Should I sell investment property

Sell them all and move to the house you want. :happy We would need some more info to say for sure. Without much in savings, and unknown to us income, it seems a million dollar home could be quite a stretch. Maybe not though depending.... I don't see any reason to keep the condos if you're barely bre...
by Twins Fan
Mon Feb 08, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1420

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

leonard wrote:Since this is a finance forum, no one will be offended if you name the other company.


OP is trying to keep it a secret so no one else can get in on that sweet action. :happy
by Twins Fan
Mon Feb 08, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Plan of Action for Rental Property?
Replies: 20
Views: 1793

Re: Plan of Action for Rental Property?

That's taking a chance on 2.5 years of housing market movement. It could also be worth $300-325k then... It sounds like you don't want to own this rental for the long term. I would sell now while the getting is good. I sold mine last August while the getting was good. :happy Sell it and get rid of t...
by Twins Fan
Mon Feb 08, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Heavy Lifting Job: $60/hr nights or $75/hr weekends?
Replies: 36
Views: 4408

Re: Heavy Lifting Job: $60/hr nights or $75/hr weekends?

So, you chimed in about a month later now. What shift did you take and how is it?
by Twins Fan
Mon Feb 08, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5233

Re: No guts to buy today!

I don't think anyone means that an IPS should be locked in from day one and should NEVER change. Of course changes can be made to it, but it probably shouldn't be a regular thing. The IPS is something to refer to when one starts talking about guts, emotions, and daily movements. Does the IPS say any...
by Twins Fan
Mon Feb 08, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5233

Re: No guts to buy today!

mpt follower wrote:In any rate, I am retired and i do not have the guts to buy, and this has nothing to do with my IPS.


So, you're just venting then? :happy :beer

Just call it Monday and move on.
by Twins Fan
Mon Feb 08, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5233

Re: No guts to buy today!

What does your IPS say you should do in times like these? Come on! Bogleheads is not a cult, use your judgement. Is that your answer to their question, your IPS says to use your judgement on days like this? Doesn't sound like that works too well for you most of the time. :wink: :happy It was not a ...
by Twins Fan
Mon Feb 08, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Where to turn for investment advice...
Replies: 11
Views: 693

Re: Where to turn for investment advice...

Of course based on this other thread... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=183155&p=2776960#p2776960 You may not be looking for boring like watching paint dry? No, we can't get you $500 a week returns on $15k. But, if you do go talk to someone about investing and they guara...
by Twins Fan
Mon Feb 08, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where to turn for investment advice...
Replies: 11
Views: 693

Re: Where to turn for investment advice...

Do it yourself... no need to speak to or see someone. IMO

You have a great option available to you in the TSP. Maybe look into opening a Roth IRA. Keep on saving and keep it simple.

Investing should be about as exciting as watching paint dry. :happy
by Twins Fan
Mon Feb 08, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5233

Re: No guts to buy today!

Were you supposed to buy today? Then.... :wink: The majority of the time over your 30 years you probably could have looked back a year prior from whatever day and thought what a fool you were to not buy more a year ago. Time in and not timing, and all... Is today even a major equity drop? I guess it...
by Twins Fan
Mon Feb 08, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3426

Re: Thank goodness for my precious metals

Couldn't the title of the thread just be reworded, thank goodness for Monday Feb. 8th? :happy How many other times have you felt like starting a thread like this? Just like I don't tilt to or add 5% to any other this or that "need" to have... I'll pass on PM. But, thanks for starting the i...
by Twins Fan
Mon Feb 08, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 72
Views: 8882

Re: The Gravy Train Departed?

caticind wrote:you certainly don't gain anything by throwing your lot in with the Gen Xers. :twisted:


As a Gen Xer, I could take offense to that. But, I thought the same thing when the OP threw a fit about being called a millennial.... would they rather be in Gen X? No one even cares about us. :happy
by Twins Fan
Mon Feb 08, 2016 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Quest for lower fees: Found lowest cost option yet. Go with it?
Replies: 23
Views: 1420

Re: Quest for lower fees: Found lowest cost option yet. Go with it?

They are all rock bottom fees. :happy

It wouldn't be enough of a difference for me to make the move.
by Twins Fan
Mon Feb 08, 2016 6:48 am
Forum: Personal Finance (Not Investing)
Topic: refinancing for high rate
Replies: 12
Views: 875

Re: refinancing for high rate

I have 10 years mortgage. Rate 2.625% after refinancing $100000 3 years ago. I have paid extra and now have 7 years left, $70000.0 , monthly payment $947. But as a result of personal circumstances cannot do it anymore. I need monthly payment around $500. I found a 10 years loan 2.875%, zero cost. D...
by Twins Fan
Sun Feb 07, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 2714

Re: Can a minor child sue former guardians for theft once they turn 18

Could be... she's trying a different angle to get advice?
by Twins Fan
Sun Feb 07, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2454

Re: How do you hire a lawyer to be "on retainer"?

Ok, thanks guys. So it looks like I'll just need to brief a lawyer on the situation, pay the hourly rate, and then get their name card and put it in my wallet. I've been updating my knowledge on how lawyers are paid and another interesting option is the retainer fee (not "on retainer"). I...
by Twins Fan
Sun Feb 07, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 2714

Re: Can a minor child sue former guardians for theft once they turn 18

From the link LG posted, it seems meg is the mom and made that post a few years ago and now one of her 4 children found this forum and account somehow to make this new post?? My best guess anyway. From reading the posts, mom turning everything over to grandfather, and grandfather becoming guardian o...
by Twins Fan
Sat Feb 06, 2016 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Transfer
Replies: 2
Views: 149

Re: Roth IRA Transfer

The answer is likely... no. Assuming you have the Roth invested wherever the account is now and would invest it similarly where you transfer it to, there's likely little to no difference as to when to make the move. You may possibly miss out on a day or two of market movements while the transfer is ...
by Twins Fan
Sat Feb 06, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2413

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

I am along the same lines as those hinting at keep it. Why not? It kind of sounds like it is a car you really like and you would have been paying for it anyway. There's no additional costs now and you can keep the miles low on a car you like. Keep it for the times you want the cool car. I doubt the ...
by Twins Fan
Sat Feb 06, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 72
Views: 8882

Re: The Gravy Train Departed?

What's that quote about the most expensive words being "this time it's different".... :wink: And OP, yes you're a millennial. That's your generation whether you relate to them or not. Accept it. :happy The link posted about them is good information for anyone though. Don't just ignore it b...
by Twins Fan
Sat Feb 06, 2016 12:57 am
Forum: Investing - Help with Personal Investments
Topic: when is the right time to do a planned shift in AA
Replies: 8
Views: 671

Re: when is the right time to do a planned shift in AA

Well, if it's a planned shift.... just do it as planned. :happy Call it a rebalance and get it done. Unless we're talking a large portfolio and taxable accounts are involved, it doesn't seem like it would be a big move. I would just get your AA to where you want it and go from there. As mentioned th...
by Twins Fan
Fri Feb 05, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: I should cancel this credit card, right?
Replies: 12
Views: 1004

Re: I should cancel this credit card, right?

I wouldn't want a card that charged an annual fee. So, I would close it just for that.

I doubt closing one card will make your credit score go from high to poor. I vote, close it.
by Twins Fan
Fri Feb 05, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off investment mortgage
Replies: 4
Views: 497

Re: Paying off investment mortgage

We need to know much more about your situation to give any kind of decent answer. Your overall financial picture would tend to dictate whether to pay it off or not. From the sounds of your post, I would say the emergency fund should not be used to pay off the rental. It's not an emergency is it? How...
by Twins Fan
Fri Feb 05, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2454

Re: How do you hire a lawyer to be "on retainer"?

So, you would rather pay a lawyer monthly or yearly or whatever knowing it's unlikely you will ever need them instead of take 2 hours to explain the situation IF it ever comes up??? Doesn't make much sense to me.
by Twins Fan
Fri Feb 05, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: keep or sell house after separation
Replies: 40
Views: 2419

Re: keep or sell house after separation

Gotcha... what about selling the house, giving her half, and you move back into the rental?

I'm assuming it's close by there. But, that could be a simple solution.

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