Search found 179 matches

by dekecarver
Sun Feb 19, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 917

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: 8586

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: 2613

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: 2613

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: 1832

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: 3346

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: 1959

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: 95
Views: 15271

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: 17
Views: 1007

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: 9708

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: 100
Views: 13671

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: 357

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: 357

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: 2660

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: 10017

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: 4688

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: 4688

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: 3049

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: 3049

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: 3618

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: 12543

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: 14951

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: 1494

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: 1494

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: 1494

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: 1494

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: 95
Views: 15271

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: 668

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: 1362

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 ...
by dekecarver
Tue Feb 09, 2016 4:55 am
Forum: Investing - Help with Personal Investments
Topic: Target Date
Replies: 10
Views: 1362

Target Date

Hey guys,
I have access to Blackrock funds through the Virginia retirement 457 plan. I see that the target date funds contain about a 4% slice of commodities. In general, what does this do for a target date fun?
by dekecarver
Sat Jan 02, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 4238

Re: Engaged...So how do we handle finances now?

Just my opinion based on experience: Don't comingle monies yet. Set up a joint account earmarked for living expenses whereas you both put in a percentage of your take home pay and see how that plays out. Vacations/fun stuff can be funded by you both adding extra to the joint account on an as needed ...
by dekecarver
Fri Jan 01, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Fund Returns
Replies: 17
Views: 3905

Re: Vanguard Fund Returns

And Healthcare keeps chugging along. :D
by dekecarver
Mon Dec 28, 2015 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Keogh Plan
Replies: 3
Views: 517

Re: Keogh Plan

Thank you Spirit Rider for the input.
by dekecarver
Sun Dec 27, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Keogh Plan
Replies: 3
Views: 517

Keogh Plan

I'd appreciate feedback on the following situation: My father has a Keogh plan that he established years ago and has indicated he wants to leave it to our 10 year old son. Without any additional information I'd appreciate feedback as to whether this is a simple matter of naming our son as the benefi...
by dekecarver
Mon Nov 30, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 10585

Re: Elderly in-laws moving in: what to consider?

I just changed the title on the recommendation of a couple responses. I agree wholeheartedly this post has been very informative. I've had to take a break in the process to digest the input.
by dekecarver
Sun Nov 29, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 10585

Re: in-laws moving in

Again, thanks to everyone who has offered feedback. We are still sorting out plans, options, considerations/variables etc.. On the addition part, we are definitely factoring in what we would do if this project were just for us. In doing so, moving and enlarging the kitchen popped up this evening. :s...
by dekecarver
Thu Nov 26, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 10585

Re: in-laws moving in

Just want to say thanks to all who have offered feedback. Some validate what I have been saying to my wife and others bring up new things to talk about.
by dekecarver
Wed Nov 25, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 10585

Re: in-laws moving in

Our house is worth ~$500K.
by dekecarver
Wed Nov 25, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 10585

Elderly in-laws moving in: what to consider?

Hi all I’d appreciate feedback on a current situation that is emerging. My wife’s parents are 77 and 83. Both are in relatively good physical health however Mom is in the early stage of dementia that is currently manageable in the home. Dad just gave up his driver’s license. They have determined tha...
by dekecarver
Tue Jun 23, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 2958

Re: Canoe recommendations

I might add even though you did not ask; Whiskeyjack paddles are awesome, unbelievable feel.
by dekecarver
Tue Jun 23, 2015 6:00 am
Forum: Personal Consumer Issues
Topic: Canoe recommendations
Replies: 23
Views: 2958

Re: Canoe recommendations

Mad River Duck Hunter 16 ft canoe.

I use it specifically for lake touring. Fast, easy paddling, very stable etc.. You won't look back unless you go with something in the 40-50 pound range in a 16 footer.
by dekecarver
Wed May 27, 2015 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2878

Re: Net Worth

Thanks for the replies.
by dekecarver
Tue May 26, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2878

Net Worth

Just a question regarding net worth. Do you count your defined benefit retirement pension as part of your net worth. Ex: If you plan on retiring at 55 and your retirement from State Gov retirement plan is $45K/yr and lets say you plan on living another 35 years :D would you count that as roughly $1,...
by dekecarver
Tue Apr 07, 2015 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 18409

Re: Family member asking for money

Tough situation because of the family relationship. There comes a time when you gift the $ unconditionally or step out of the gifting business with an objective reason.
by dekecarver
Mon Apr 06, 2015 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Best way for grandparent to give to grandchild
Replies: 4
Views: 1065

Best way for grandparent to give to grandchild

Good morning all, I recently had a discussion with my father who informed that he has established a fund for my 9 year old(his only grandchild) and also has a KEOUGH account that he no longer funds that he will probably leave for for him. I did not get into details with how this was being establishe...
by dekecarver
Fri Mar 06, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27308

Re: Wife tired of saving...

After re-reading the thread and picking up on your wife's daily 80 mile drive, she should be the one defining what comfortable is. Hell look at what you guys have accumulated at a young age. Finances is not all always about the numbers, open honest communication is priceless, maybe you guys have tha...
by dekecarver
Wed Mar 04, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27308

Re: Wife tired of saving...

Sit down talk with DW. Late thirties, two children, life changes. DW could be experiencing premenapausal changes, just a thought. A lot cheaper talking, figuring out things, making some changes so that all are comfortable rather than waking up too late, regardless of the driving contributor/s. Again...
by dekecarver
Fri Feb 27, 2015 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 77
Views: 20184

Re: Is the first 100k really the hardest?

Is it hard: It really depends on how much you make and how much you spend.
by dekecarver
Tue Feb 24, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 17020

Re: Guns for hunting/defense

Fox and Merkel for upland
Sako for big game
Remington and Merkel for waterfowl

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