Search found 241 matches

by dekecarver
Mon Apr 02, 2018 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13313

Re: Healthy eaters -- is this grocery budget normal to you?

It's easy to eat healthy and cheap. You just have to make yourself do it. Breakfast - Oatmeal, Eggs Lunch - Salad or Soup Dinner - Protein of choice and vegetables Dessert - in season fruit and dark chocolate This is spot on IMOP. And so much variety available to not be boring and fit different tas...
by dekecarver
Mon Apr 02, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13313

Re: Healthy eaters -- is this grocery budget normal to you?

To the OP, okay you eat healthy foods but how much healthy food do you eat per meal? Also the labeling of organic etc doesn't necessarily mean that from start to finish, so be careful in what you think you are buying. If you consume alcohol, is that included in you monthly grocery bill? In regards t...
by dekecarver
Sat Mar 24, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 1585

Re: Recently Engaged, Considering Joint Account(s)

From experience: Keep your monies separate while you are engaged and if you do marry, do not co-mingle any monies that you accrued prior to marriage. Always have a fallback nest egg no matter the situation. While engaged think about setting up a separate account that the contribution is based on wha...
by dekecarver
Fri Mar 23, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Best Credit Card for airline tickets
Replies: 10
Views: 1173

Re: Best Credit Card for airline tickets

Thanks for your replys. We are not tied to any specific carrier and fly out of Dulles or Reagan, or Baltimore as a last resort.
by dekecarver
Fri Mar 23, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Best Credit Card for airline tickets
Replies: 10
Views: 1173

Best Credit Card for airline tickets

Hi, I anticipate future travel to Europe, the Caribbean and Hawaii from the US and I'd appreciate recommendations from your personal experience regarding the best credit card for airline travel that is not tied to a specific airline. The goal is max benefit toward purchase of airline tickets. Thanks...
by dekecarver
Mon Mar 19, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 609
Views: 69161

Re: Netflix, Your Current Favorite Show

dms1709 wrote:
Mon Mar 19, 2018 7:47 pm
Peaky blinders
+1;
by dekecarver
Thu Mar 15, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Myrtle Beach
Replies: 26
Views: 2815

Re: Thoughts on Myrtle Beach

Go about 20-30 minutes south and check out Pawleys Island.
by dekecarver
Wed Mar 14, 2018 4:45 am
Forum: Investing - Help with Personal Investments
Topic: "Renting" my house to a friend for 2 years while away for work - Questions on Tax Implications
Replies: 14
Views: 1444

Re: "Renting" my house to a friend for 2 years while away for work - Questions on Tax Implications

I'm in the keep it simple group. Friend stays at your house as a house sitter and makes a monthly donation to the mortgage. No rental agreement etc. In fact, some would say why not pay him for house sitting.
by dekecarver
Mon Mar 12, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 12734

Re: What is your favorite reasonably priced bourbon?

I like gifts and I especially like moonshine . For whatever reason I think it is purer and more worthwhile. I do not mind paying taxes, so that is not the attraction for moonshine. It is the pure and unadulterated alcohol I care for. There is something special about quality moonshine, the very best...
by dekecarver
Sat Feb 17, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 5342

Re: Best plants to grow to save money for food costs

Saving money, No. Better taste, Yes. IMOP there is no store bought tomato that can beat a vine ripe tomato freshly picked from you own plant. For veggies that are easy to plant, grow and harvest: cucumbers, green beans, peppers, carrots, leaf lettuce, and maybe tomatoes. Also canning is not cheap in...
by dekecarver
Wed Feb 07, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3729

Re: Jogging in the cold.

I walk ~3 miles just about every morning (5am) and eve (afterwork). No issues during winter when temp is 10-20 F. Its all about what you wear and the big factor for double digit cold, is wearing a throat gaiter and cap. No effect on joints etc.. My pace is a ~15 minutes/mile.
by dekecarver
Mon Feb 05, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you tell a 12 year old to park his money
Replies: 32
Views: 1977

Re: Where would you tell a 12 year old to park his money

Honestly at his age, a mid cap fund, walk away and keep adding to it. Why, just because. Of course if it's going to a taxable account, why not Total Stk Mkt and walk away, or 50% Mid Cap and 50% Total Stk Mkt and walk away.
by dekecarver
Sun Feb 04, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best rule of thumb for determining home affordability?
Replies: 54
Views: 2784

Re: Best rule of thumb for determining home affordability?

I was told years ago, 3x gross salary financed on a fixed 30 year mortgage assuming no debt prior to purchase.
by dekecarver
Sun Feb 04, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 8312

Re: What advice would you give yourself if you were 27 again?

This has been a really good thread IMOP. I'll just add from my experience; it's fine to plan and be in a planning mode but the bottom line is that just planning doesn't get it done, there is a point where you have to realize this and just start doing; a person only has so much time.
by dekecarver
Sun Feb 04, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 8312

Re: What advice would you give yourself if you were 27 again?

Cut back on the golf and goofing off and follow my dad's advise; make as much as you can, as fast as you can, so you can get out as soon as you can, if you choose to do so. Would you say there is an optimal age to get out? ie. is there an age where its too early to get out? Myself contemplating ear...
by dekecarver
Sat Feb 03, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3748

Re: Do you live on a budget?

No. My or my family needs and wants have never required a budget. I learned as a 12 year old delivering the morning paper, getting expenses in line with income always resulted in savings and wealth accumulation. For me I always figured if I had to worry about outflow, I then had a problem that I did...
by dekecarver
Fri Feb 02, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 8312

Re: What advice would you give yourself if you were 27 again?

Cut back on the golf and goofing off and follow my dad's advise; make as much as you can, as fast as you can, so you can get out as soon as you can, if you choose to do so.
by dekecarver
Mon Jan 29, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8846

Re: How much have kids added to your personal finance/expenses?

After re-thinking my response, I remember friend of mine telling me something along the lines of "don't". For example child care can be fairly straight forward and predictable, however calculating child care $$ per month x # years, will make you think WTH and drive you nuts; all that for feeding, ch...
by dekecarver
Sun Jan 28, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8846

Re: How much have kids added to your personal finance/expenses?

I didn't keep up with exact figures but I figured somewhere around $15-18K. Child care kills but that can ease up once the kid hits~6th grade. I read on this forum years ago a comment by a mom that went something like, children are children, you are the parent and you get to decide how much of this ...
by dekecarver
Sun Jan 28, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 609
Views: 69161

Re: Netflix, Your Current Favorite Show

srt7 wrote:
Tue Jan 02, 2018 1:46 pm
The Ranch.

It took me a couple episodes to warm up to it but now I am hooked. Sam Elliott's character is the best IMHO.
Agree, I wasn't too sure at first but the humor around the ugg boots got me rollin.
by dekecarver
Sun Jan 28, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Ira for kids
Replies: 41
Views: 3955

Re: ROTH Ira for kids

Thanks for the follow up reply, very helpful.
by dekecarver
Sat Jan 27, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH Ira for kids
Replies: 41
Views: 3955

Re: ROTH Ira for kids

Just a thought, why not take the kids money, let them pick a stock or fund to buy and you buy it in your IRA while keeping a record of the purchase as theirs and make them the beneficiary of the IRA? Or track and give them the equivalent $ of what was earned or lost while in your account to open th...
by dekecarver
Sat Jan 27, 2018 5:54 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Ira for kids
Replies: 41
Views: 3955

Re: ROTH Ira for kids

Just a thought, why not take the kids money, let them pick a stock or fund to buy and you buy it in your IRA while keeping a record of the purchase as theirs and make them the beneficiary of the IRA? Or track and give them the equivalent $ of what was earned or lost while in your account to open the...
by dekecarver
Mon Jan 22, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 6254

Re: Should I buy a business or suck it up at a job(s) with a pension.

My thoughts: I'd strategically use my leave to essentially pare back and work a modified work schedule if that is available and ride it out till 55 to pick up the big perk, health insurance, and then let ride. One question: Why do you not like your current role and ca you do a departmental move to c...
by dekecarver
Sun Jan 21, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 37
Views: 3816

Re: Keeping it in a shoe-box is a safer AA

This is a situation where selling securities with large capital-gains can result in large and unnecessary capital-gain taxes. Please seek the services of a qualified tax accountant. Can you explain this? I thought the basis would step up in this case, so selling around the time of receiving the inh...
by dekecarver
Fri Jan 19, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 14528

Re: Can We Retire in Hawaii? Please Critique

Good grief, folks, after reading the first dozen responses to this thread I wondered whether this is the Bogleheads forum or Mr. Money Mustache? Why so much negativity? Where’s the support on figuring out how to make it work? With a poster name like SurferLife, the question is not “if” or “when” th...
by dekecarver
Wed Jan 17, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1885

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Since your mom's suitor has his own house, why not have your mom sign the house back over to you with only you on the deed. Give her living rights to the house until she remarries and then she goes to live in his house. At some point you have to lose some some tax benefit to avoid the potential migr...
by dekecarver
Sat Jan 13, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: What journalism are you currently reading?
Replies: 12
Views: 909

Re: What journalism are you currently reading?

Great question. I have just about given up on mainstream media reporting due to articles/reporting being written by what appears to be 5th grade hacks spewing political agenda from all sides. My follow up question is, what source/publications do you find to be the most objective and simply fact repo...
by dekecarver
Thu Jan 11, 2018 6:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 311
Views: 30396

Re: Post your Financial Milestone Announcements Here

This post prompted me to take a look last night as I'm kinda a set it and forget it type of investor. 1) I had a smile on my face last night, 2) I realized I needed to do some re-balancing, 3) Portfolio growth exceeded what we contribute on a yearly basis and exceeded what are combined salaries are ...
by dekecarver
Mon Jan 01, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6331

Re: Long Term House—Any Regrets on things you didn’t do?

Our house is 18 years old. We updated the kitchen after about 10 years with custom cabinets, six burner premium gas stove, venting the exhaust to the outside, getting a slightly larger island. Love the new kitchen. So much easier to cook. If you are thinking of updating the kitchen and like to cook...
by dekecarver
Sun Dec 31, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2191

Re: Costa Rica

We did a big loops around the country. First stop was southwest down to a jungle resort called Rafiki Safari Lodge. Amazing experience although not for the faint of heart! Slept in a tent-cabin, then went white water rafting on the Savegre River. Went from there to Uvita for 3-4 days, a little beac...
by dekecarver
Sun Dec 31, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2191

Re: Costa Rica

We haven't decided on a rental car yet. My initial thinking is accommodations with everything nearby or shuttle if possible. DW wants a beach, son goes with the flow, so I'm thinking beach and zip lines.
by dekecarver
Sun Dec 31, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2191

Costa Rica

Hi, DW and I are thinking of taking our 12 year old son to Costa Rica in March. I'd appreciate any feedback from those of you who have vacationed in Costa Rica regarding things like nicest beach, best tours, vacation package..that you have found to be enjoyable and anything else that you learned alo...
by dekecarver
Sun Dec 31, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2608

Re: Checked bag to HI, worth cost and trouble?

I'd order on line through amazon and have shipped direct to where you are staying. Leave what you don't use.
by dekecarver
Sat Dec 30, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: NC or SC beach area summer rentals for big group
Replies: 19
Views: 1149

Re: NC or SC beach area summer rentals for big group

If coming from up north, I'd look into the Outerbanks from Killdevil Hills down to Hatteras. We vacation there every summer and typically secure our rental around Jan/Feb or July. There are a good number of large rentals that can accommodate large families.
by dekecarver
Thu Dec 21, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: cryptocurrencies
Replies: 2
Views: 533

Re: cryptocurrencies

Thanks for your response and the links provided.
by dekecarver
Thu Dec 21, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: cryptocurrencies
Replies: 2
Views: 533

cryptocurrencies

I know nothing about this financial play and have a question based on the longevity; how do cryptocurrencies play into the overall financial market in regards to the World Bank and Federal Reserve system, is the play a complete bypass of the established banking system and is there a point where cryp...
by dekecarver
Mon Dec 18, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 19271

Re: Buying Real Silver and Gold (Not Bitcoin)

That is a nice set to aim for, something about having such in hand.
by dekecarver
Mon Dec 18, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10102

Re: How much do you spend on food per month, per person?

Interesting thread, the census lady asked me this question today. I couldn't give her an honest answer and she was dumbfounded. I've never had or ran a food budget. We simply eat and drink what we want and give it no thought as it has no effect on any other needs or wants, this includes store bought...
by dekecarver
Mon Dec 18, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 19271

Re: Buying Real Silver and Gold (Not Bitcoin)

Basically now days you have stackers e.g. bullion or junk and those who collect for numismatic value. Problem with silver bullion stackers is that it takes considerable amount of space to store a considerable dollar amount of silver. With numismatic collecting you have to know what you are doing esp...
by dekecarver
Sun Dec 17, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18753

Re: Chromebooks- What is the lure?

In regards to Chromebooks, I am looking to replace my laptop with a Chromebook for browsing and streaming, email with a little Work and simple Excel work and would appreciate recommendations as the best value buy for large screen based on experience in the $150-$220 price range. Thanks
by dekecarver
Sat Dec 09, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 4309

Re: Please suggest a dry hands product

Bag Balm is awesome but it stains. Another option is Avon's heavy moisture therapy cream, awesome and no stains and not greasy.
by dekecarver
Fri Nov 24, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: universal whole life policy
Replies: 2
Views: 370

universal whole life policy

Hi, I'd appreciate some feedback for my dad who purchased a universal whole life some years ago for 50K that now has a cash out value of ~60K and a 100K benefit upon death. He is trying to decide whether to keep up with the annual service fee of ~$2300 or cash it out. He is 79. Thanks in advance and...
by dekecarver
Fri Nov 17, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 48
Views: 4518

Re: Favorite Holiday Recipes

Homemade cranberry sauce:
1 cup water
1 cup of sugar
1 cinnamon stick
orange zest to taste
a splash of bitters
Bring all to a boil
Add one bag of cranberries and slow boil for ~10 minutes.
Easy
by dekecarver
Fri Nov 17, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 6718

Re: My dad's army jacket

I don't understand or know about any issue that prohibits you from wearing the jacket as you like.
by dekecarver
Tue Nov 07, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 9825

Re: "I took all my money out of the stock market and it feels amazing"

Aren't Treasuries, TIPs and CDs part of the market only on a more conservative side, therefore not really out of the market?

To me out of the market is all cash under the mattress.
by dekecarver
Mon Nov 06, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3656

Re: Heavy duty cordless drill/hammerdrill recommendation

breaker bar or how about renting the tool you need?
by dekecarver
Sun Nov 05, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 3871

Re: PRIMECAP Fund

I've owned PrimeCap for about 20 years in a taxable account and being a buy, hold and forget it type, I just continue to eat the taxes vs selling off. Not the smartest thing to do but I am more aware of this now. Question: would this be a consideration for selling off in small bites and repurchasing...
by dekecarver
Sun Nov 05, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3656

Re: Heavy duty cordless drill/hammerdrill recommendation

Mikita 18v 3 amp. All you will need. Power and hold charge a long time.