Search found 200 matches

by dekecarver
Sat Dec 09, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3465

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: 281

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: 3996

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: 70
Views: 5141

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: 8990

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: 3247

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: 2894

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: 3247

Re: Heavy duty cordless drill/hammerdrill recommendation

Mikita 18v 3 amp. All you will need. Power and hold charge a long time.
by dekecarver
Sun Nov 05, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 2244

Re: Budgeting with significant other

We've found having a joint account (each contribute a percent of take home) that serves household needs e.g. mortgage, taxes etc and keeping separate individual accounts works well. If household needs bump up we do one time deposits as needed. Otherwise we don't question what the other spends from p...
by dekecarver
Sun Oct 22, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 162
Views: 44980

Re: Time to reach 1M and 2M milestones

I went from a net worth of $280k to 1.7mil in 8 years through RE, bought in 2009 at the bottom, snapping up houses for $80k that previously topped out at $350k. I did get help from an inheritance, around $200k 4 years ago and purchased more RE. When you sat snapped up houses, what did you do afterw...
by dekecarver
Fri Oct 13, 2017 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5921

Re: Anesthesiologist Advise [how to save money]

Just a simpleton's opinion. Once you have your expenses understood and in check, your savings will follow. Afterwards, from the knowledge I have received from this board, keep your investments simple (if you can) from the start and branch out as you gain an understanding of how asset buckets work wi...
by dekecarver
Sat Sep 16, 2017 4:46 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5375

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Watching a parent die is an emotional roller coaster which can lead to some reactionary decisions. It might be worthwhile to talk with your wife about getting your debt cleaned up first and then purchasing the "sweet ass Porsche". I went through something similar and spent a year researching Boxster...
by dekecarver
Wed Sep 13, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much should a part-time RN make in Denver?
Replies: 9
Views: 1304

Re: How much should a part-time RN make in Denver?

Not sure if this helps but I'm an RN in a HCOL, NOVA. Recent numbers for per diem in our area start at ~$35-$45/hr base with diffs thrown in on top that I am directly aware of. Travel/contract RNs are billed out between $35-$75/hr in the area. All rates listed are for clinical nurses not admin. Pers...
by dekecarver
Sat Sep 09, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 6185

Re: Purchasing Home With Girlfriend; Good or Bad?

Don't do it! Just show her that you love her and let her live with you for free:) If you get married then buy together.
by dekecarver
Wed Sep 06, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25989

Re: Name something you had to have and now you regret purchasing it?

House with a pool. Since I stink at maintaining it and turned the water green we hire out for $170/month ($2040/yr) plus incidentals ranging from $50-$200/yr. In the last 5 years we had to re-line the pool and replaced the motor costing about $10k plus the extra electricity I figure in these 5 year...
by dekecarver
Sun Aug 20, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10227

Re: Non-fiction bucket list

Simple Justice: The Board of Education vs Brown, very interesting read all be it long.
by dekecarver
Tue Aug 15, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Fed unloading bonds?
Replies: 19
Views: 2816

Re: Fed unloading bonds?

Thanks for response AJ.
by dekecarver
Tue Aug 15, 2017 4:47 am
Forum: Investing - Theory, News & General
Topic: Fed unloading bonds?
Replies: 19
Views: 2816

Re: Fed unloading bonds?

A friend recently mentioned Permanent Income, I had not heard of that and in response to Valuethinkers comment, why does PI Hypothesis fail? Thanks in advance.
by dekecarver
Sun Jul 30, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Again
Replies: 6
Views: 1057

Re: Retirement Again

Regarding moving, you may want to look at anything from the Outerbanks, NC south to Pawleys Island. Your interest will play a big part in terms of cultural activities, hunting/fishing, proximity to larger cities and airports, etc..The Outerbanks, IMOP is pretty slow living, we vacation there every s...
by dekecarver
Sun Jul 16, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to use retirement funds for college without penalities or taxes?
Replies: 31
Views: 2428

Re: How to use retirement funds for college without penalities or taxes?

Our approach has been to max all retirement accounts and when the kid hits college, to fund tuition with what would have been retirement contributions. Otherwise yea, pulling from taxable accounts would offer more flexibility. Other options: military, scholarships, loans, loan forgiveness programs e...
by dekecarver
Sun Feb 19, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 1579

Re: US debt approaching $20 Trillion

Guess we need to get the interest rates up so that debt can be paid back with cheaper dollars?
by dekecarver
Sun Feb 12, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 10495

Re: Saved too much? What do you splurge on?

I am currently watching my father and several elderly friends go through this phase of life. My observations and feedback from appreciative inquiry: -Life in general slows down, dreams and interests change, you can't run from Father Time and Mother Nature. -Spending habits haven't changed, all were ...
by dekecarver
Sun Feb 05, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 3201

Re: Inheritance in coins

To OP, you can also go over to the coinflation.com site and plug in some numbers to get an idea of what you have in terms of melt value.
by dekecarver
Sun Feb 05, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 3201

Re: Inheritance in coins

Don't rush selling your coins. Make sure you check your coins at a minimum for key dates. You can lose your fanny if you just walk in and say I'm here to sell. Just my thoughts.
by dekecarver
Sat Feb 04, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Stock gifted to me as a kid. Sell or hold?
Replies: 21
Views: 2277

Re: Stock gifted to me as a kid. Sell or hold?

You could give to charity. You could give some to charity and sell some. You could give some to charity, sell some now and some next year. You could give to your kid enough each year and have them sell enough to not pay any taxes. You could tax-loss harvest some of your other funds and then sell so...
by dekecarver
Fri Jan 27, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 54
Views: 4133

Re: Any Backyard Chefs out there? Do you have any specialties?

I highly recommend the Big Green Egg. Yes, it is an up front investment but it comes with a great warranty and it is an amazingly versatile outdoor cooking tool. As my family says, "everything tastes better on the egg". Just replaced my BGE that cracked on the bottom, great warranty. Bott...
by dekecarver
Tue Jan 24, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Roto-molded cooler suggestions, like Yeti
Replies: 20
Views: 2560

Re: Roto-molded cooler suggestions, like Yeti

WalMart's Ozark Trail store brand has some very nice and reasonably priced molded coolers as well as stainless steel vacuum insulated tumblers. They don't come with a sticker, though. Agree. I've set the Ozark tumblers up against Yeti tumblers and no difference in performance but at 1/3 the price. ...
by dekecarver
Sun Jan 22, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44137

Re: USAA 2.5% Cash Back Credit Card

I checked the website and do not see that it is available in Virginia, as noted above, am I missing something? I do see the 1.5% card.
by dekecarver
Tue Jan 17, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3247

Re: Heavy duty cordless drill/hammerdrill recommendation

Ive been satisfied with makita 18v. solid power and run time.
by dekecarver
Sat Jan 14, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 12235

Re: How much do you typically spend in a restaurant?

In Northern VA, its getting to the point that dinner and a glass of wine runs about $100 give or take. I'm getting to the point where staying in and grilling a prime filet and opening a good bottle of wine is gonna be date night. Wines are generally marked up 2-4x over purchasing price at Total Wine...
by dekecarver
Mon Jan 09, 2017 9:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 22228

Re: Sad News About a Respected Forum Member

Sorry to hear the news. I really appreciated you taking your time to answer my PMs and learned a lot from your posts.

I wish you and your family the best.
by dekecarver
Mon Jan 02, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: wife second job and retirement accout
Replies: 2
Views: 416

Re: wife second job and retirement accout

Thanks Boulderboy. I'll have her follow up and post additional info. From the info that she has on hand, the company is showing that she still has a 401k balance and then there is a rollover cash portion that was designated as a lump sum or mandatory cashout that was listed as a taxable gross paymen...
by dekecarver
Mon Jan 02, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: wife second job and retirement accout
Replies: 2
Views: 416

wife second job and retirement accout

I'm hoping I can get some advice here. My wife has a second job (per diem) and recently the employer switched their retirement program around and rolled over her retirement account to a new Fidelity IRA.I'm just learning this today. Her permanent job is a state govt job with a defined benefit retire...
by dekecarver
Mon Dec 19, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Omaha Steaks....Who else for mail-order steaks?
Replies: 26
Views: 3883

Re: Omaha Steaks....Who else for mail-order steaks?

go to costco and buy a prime boneless rib roast or prime tenderloin. open and let rest in frig for 2/3 days. cut into 2 to 3 inch steaks and vacuum pack better than any mail order imo.
by dekecarver
Mon Dec 19, 2016 6:40 am
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 11291

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

I live in NOVA. $400K isn't going to get you much, especially inside the beltway. I'd figure on starting at $500K on the bottom end for old. Just about everything new is starting at $800K and going north.
by dekecarver
Mon Nov 21, 2016 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Wealth advisory services
Replies: 68
Views: 6308

Re: Wealth advisory services

well put canon-shooter.
by dekecarver
Sun Nov 20, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Wealth advisory services
Replies: 68
Views: 6308

Re: Wealth advisory services

You may find that family/individual vacations (nice ones that you and your wife agree on) and a few extras for her, may get her attention and participation and be a lot cheaper than the: wealth advisory firm, marriage counselor, shrink, and potential legal fees. A wise friend of mine has always said...
by dekecarver
Sun Nov 13, 2016 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: when to stop contributing
Replies: 15
Views: 3334

Re: when to stop contributing

Thanks for all the replies. My wife and I are state employees (Virginia) with a defined benefit pension. No match on the 457 but we continue to max it out, she is younger than I and I'm over 50. We are both in a profession where employment is stable. Our debt is a few years remaining on a mortgage. ...
by dekecarver
Sun Nov 13, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: when to stop contributing
Replies: 15
Views: 3334

when to stop contributing

Morning all, I started thinking about our finances a little differently today, moving from contributions/accumulation driven (max roth and deferred comp 457) to see what would happen theoretical if we stopped all contributions now and rode out the current principal ($1.2 mill not counting any person...
by dekecarver
Sat Nov 12, 2016 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Would you work in Bermuda?
Replies: 27
Views: 4205

Re: Would you work in Bermuda?

I would if I could take the family for the various reasons already mentioned. Making alot of money and spending alot of time away can lead to wounds that may not heal or scars that can't fade away.
by dekecarver
Tue Nov 08, 2016 4:48 am
Forum: Personal Consumer Issues
Topic: Tipping Fedex/UPS guy?
Replies: 53
Views: 17982

Re: Tipping Fedex/UPS guy?

I've reached my end point with tipping.I'm gonna start showing up to work and say to the boss "Hey man, I gotta out bed this morning after a long day at work yesterday, no sleep last night due to the baby crying and my wife not feeling well, how about a tip for showing up today. Good lord, it s...
by dekecarver
Mon Nov 07, 2016 5:38 am
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 105
Views: 16871

Re: How much do you plan to save in your 529 plan?

We have taken a different direction and do not fund a 529, instead we max retirement accounts. We can retire the year our child graduates (retire early) and based on the direction he takes, one or both of us could continue to work those first fours years of college or come up with an alternative pla...
by dekecarver
Thu Oct 20, 2016 5:03 am
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1650

Re: marcellus mineral rights

dfitz247, thank you for the reply and correction on royalty vs dividend.
by dekecarver
Wed Oct 19, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1650

Re: marcellus mineral rights

Good question regarding selling to the parents, I didn't get a straight answer when I asked, family dynamics? The property is already producing as he receives a monthly dividend, I asked why sell the hen when its producing eggs, the lure of a big payout is burning a hole in the pocket.
by dekecarver
Wed Oct 19, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1650

Re: marcellus mineral rights

Thanks for the input. He owns a third of the mineral rights but not the physical land which is owned by the parents. He is interested in selling his mineral rights.
by dekecarver
Wed Oct 19, 2016 5:02 am
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1650

marcellus mineral rights

Posting for a friend of mine. He inherited the natural gas and oil mineral rights on approximately 1000 acres in Barbour county WV which is currently kicking out a monthly dividend. He is considering selling his mineral rights and is 1) trying to figure out a fair market price as he has been offered...
by dekecarver
Mon Oct 17, 2016 5:01 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44137

Re: USAA 2.5% Cash Back Credit Card

I spoke with a USAA rep Saturday and was told 1000 members were selected (rep couldn't tell me how pilot group was selected or what the criteria was) for this card as a pilot program and that potentially the card would be offered out/available ~June 2017 to other members.
by dekecarver
Wed Mar 30, 2016 5:02 am
Forum: Investing - Help with Personal Investments
Topic: Non-coverd vs Covered Shares
Replies: 7
Views: 773

Non-coverd vs Covered Shares

Hello all, I'm in the process of cleaning up my taxable funds account and have a fund (PrimeCap Investors fund) that I am selling off. Some shares are covered and some are not. I have an unrealized gain of about $13K of which practically all is under the non-covered shares. Question, when I sell thi...
by dekecarver
Tue Feb 09, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date
Replies: 10
Views: 1486

Re: Target Date

Here is follow up information: The ER is 0.09% for the following 2055 target date fund offered through our 457 plan: Underlying fund holdings: Equity Index Fund E (US Large Cap) 40.7 % BlackRock MSCI ACWI ex IMI Index Fund E (International Stocks) 30.6% Developed Real Estate Index Fund E (Developed ...