Search found 2741 matches

by Twins Fan
Mon Feb 15, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Carry Permit Issue When Traveling.
Replies: 19
Views: 2316

Re: Carry Permit Issue When Traveling.

I see this one is heading downhill in a hurry. :happy
by Twins Fan
Mon Feb 15, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Plan of Action for Rental Property?
Replies: 29
Views: 2893

Re: Plan of Action for Rental Property?

I'll most likely have a loss at the time of sale due to major repairs etc that are needing to be carried forward but I do understand about the recapture. If you would take a loss at $400k, you must be looking at quite a loss at $300k. That could be a good thing as far as tax and recapture goes. And...
by Twins Fan
Mon Feb 15, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Carry Permit Issue When Traveling.
Replies: 19
Views: 2316

Re: Carry Permit Issue When Traveling.

Some really good advice thus far. Here is one more thought per carry restrictions when traveling. :"If going via the Amtrak Autotrain, would it be advisable to just secret an unloaded piece somewhere hidden ,but secure, within the vehicle with Ammo in a separate, secure container?"Or bett...
by Twins Fan
Mon Feb 15, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Plan of Action for Rental Property?
Replies: 29
Views: 2893

Re: Plan of Action for Rental Property?

You said earlier that you get to keep about $900/month after PITI. I get $27k in rental income over that time and not $70k. Although you are paying down the mortgage balance along the way, so it could be looked at as more than $27k. But, the $70k is quite generous as a good bit of that goes out to i...
by Twins Fan
Sun Feb 14, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: How best to transfer vehicle to son who is moving to WA
Replies: 22
Views: 1967

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

The OP is talking gifting an old car to their kid and the kid registering it. Feel free to cite your "research" that shows it would be anything other than what's been mentioned. Whoa! I did my "research" with my situation in mind. It is not my business or intent to advise the OP...
by Twins Fan
Sun Feb 14, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are social security employer contributions worthwhile?
Replies: 20
Views: 1644

Re: Are social security employer contributions worthwhile?

Okay, I think I follow now. The SS income someday sounds like it will be based off your earnings since you are the higher earner. So, may as well have FSA taken out of her check then. Then you could up your 401k contributions. Is that what you meant? I was thinking of the paychecks separately instea...
by Twins Fan
Sun Feb 14, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are social security employer contributions worthwhile?
Replies: 20
Views: 1644

Re: Are social security employer contributions worthwhile?

Okay true, but that doesn't matter.

The money that then would go to the FSA isn't available to throw in a 401k. Her available income didn't grow by having the FSA taken out of her check
by Twins Fan
Sun Feb 14, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are social security employer contributions worthwhile?
Replies: 20
Views: 1644

Re: Are social security employer contributions worthwhile?

Let's assume that I take the $310 in reduced employee contributions to social security and put them into a 401k. I am many years from retirement and invest in a high risk portfolio, so I also assume a high rate of return on my investments. I'm projecting 8%. Is it better to sacrifice the employer m...
by Twins Fan
Sun Feb 14, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor needing help with optimizing extra cash
Replies: 10
Views: 1332

Re: Young investor needing help with optimizing extra cash

Up the contributions to the TSP accounts and Roth IRAs now that debt is gone. You guys should be able to max all those accounts out. Leave the cash as is for now. You have baby costs coming up soon anyway. Cash is good. My personal preference is just to never use the words short-term and investment ...
by Twins Fan
Sun Feb 14, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be reimbursed for cost incurred running errands for someone else?
Replies: 27
Views: 1572

Re: Should I be reimbursed for cost incurred running errands for someone else?

Again, it's not even a $1 or $2 a month going off your yearly numbers to this "issue". That should not be stressing your gas budget, yes? I remember early threads of yours saying how generous of a saver you are, yet you feel strapped for cash... You seem to stress about money to the point ...
by Twins Fan
Sun Feb 14, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: finally hit 800 [Credit score, How to remove name from card?]
Replies: 10
Views: 1372

Re: finally hit 800 [Credit score, How to remove name from card?]

lospecv wrote:I already have over 20 cc so i don't want them i just want to be off if possible.


Okay, next question.... WHY do you have over 20 cc's??? :shock:
by Twins Fan
Sun Feb 14, 2016 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be reimbursed for cost incurred running errands for someone else?
Replies: 27
Views: 1572

Re: Should I be reimbursed for cost incurred running errands for someone else?

.... My wife says no, it's only $10 or $20 a year and doesn't think it's fair to ask for chump change, plus she knows this person wouldn't want to provide that. .... What do you think? That you're being ridiculous and you should listen to your wife. So, $10 or $20 a year, or not even a $1 or $2 a m...
by Twins Fan
Sun Feb 14, 2016 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: finally hit 800 [Credit score, How to remove name from card?]
Replies: 10
Views: 1372

Re: finally hit 800 [Credit score, How to remove name from card?]

Having been through divorce and learning all about this sort of thing... :oops: It will depend on the type of account and who is who on the account... primary, authorized, etc. You may be able to just call up the card company and get your name off. Or, bro may have to call and get your name taken of...
by Twins Fan
Sun Feb 14, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: How best to transfer vehicle to son who is moving to WA
Replies: 22
Views: 1967

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

I'm sure that's why they came up with the use tax deal... the cross border, buy in OR, and register in WA situation. But, you're talking buying a new car and registering it a few months later. The OP is talking gifting an old car to their kid and the kid registering it. Not the same thing. There's a...
by Twins Fan
Sun Feb 14, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: How best to transfer vehicle to son who is moving to WA
Replies: 22
Views: 1967

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

Turns out I purchased this car new in NH (no sales tax state) in late 2008. So hopefully the 7-year rule will apply. Hopefully it will be obvious this was not an elaborate 8 year scheme to avoid paying WA sales tax :D Bogleheads are known for finding ways to lessen or avoid taxes. That would be a H...
by Twins Fan
Sat Feb 13, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Allocating Personal Defense dollars...
Replies: 19
Views: 2267

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: 22
Views: 1967

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: 7
Views: 719

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: 399

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: 19
Views: 2267

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: 33
Views: 3052

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: 33
Views: 3052

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: 19
Views: 2267

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: 34
Views: 3138

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: 20
Views: 2397

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: 2501

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: 2501

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: 34
Views: 3138

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: 2501

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: 2553

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: 210

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: 1924

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: 4983

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: 1140

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: 65
Views: 8084

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: 4983

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: 4983

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: 1140

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: 65
Views: 8084

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: 1140

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: 1140

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: 1591

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: 29
Views: 2893

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: 4750

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: 5833

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: 5833

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: 5833

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: 772

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: 772

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: 5833

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...

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