Search found 1254 matches

by flyingbison
Wed Mar 22, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 47
Views: 3418

Re: How did graduating out of daycare impact your finances?

B0bL0blawsLawBl0g wrote: The aftercare is only $800 per year.


Whoa ... that's ridiculously cheap. I'm assuming that's some type of subsidized program, or maybe in-home care from a neighbor or friend?
by flyingbison
Wed Mar 22, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Moving TIAA CREF out of money market
Replies: 6
Views: 339

Re: Moving TIAA CREF out of money market

You'll need to post the list of fund options (with expense ratios) available in your plan for anyone to make recommendations.
by flyingbison
Tue Mar 21, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2628

Re: Relocation to Milwaukee

Just saw a video how WI is worst 10 with taxes in every category: sales tax, income and real estate :? Ignore the noise about tax "rankings," IMO. Every state collects revenue to fund the services provided. Some of it is collected through the means above but there are other forms as well....
by flyingbison
Mon Mar 20, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1077

Re: Wife going back to school. What financial steps should I take?

The main reason she wants to do it is to get some better job options. Right now she's tired of what she's doing (been doing basically the same thing for 5 years now which is providing counseling services to poor/medicaid clients) and sees this as her best option to open the door to better career op...
by flyingbison
Mon Mar 20, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1077

Re: Wife going back to school. What financial steps should I take?

Ethelred wrote: ... and PhDs can often end up taking longer than planned.


This is an important consideration. Does she know the average completion time for students in this program? If her funding is for 3 years, but it will potentially take 5 years, then you will need to plan for the additional cost.
by flyingbison
Thu Mar 16, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 2784

Re: How do Bogleheads handle allowance?

They probably are not learning money management skills, but then neither my wife or I ever had an allowance and we turned out fine. Yeah, I think most of us vastly overestimate the effects of our parenting strategies. My 3 siblings and I all had the same parents, and lived in the same house with th...
by flyingbison
Thu Mar 16, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3360

Re: Time Saving Tactics: Kids Edition

perl wrote:Learn to be more focused and productive at work, then reduce hours spent working. (Only applies if you're salaried.)


And not even then for many (most?) salaried workers who still have required work hours.
by flyingbison
Wed Mar 15, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 2784

Re: How do Bogleheads handle allowance?

Not 100% sure what they would use allowences for, and I never was given allowences as a child either. We would still control what they can buy (can't let them eat $20 worth of candy) so we simply buy them what we think is needed, ... Same here (so far). Daughter is 5 now, and her mother has talked ...
by flyingbison
Wed Mar 15, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2628

Re: Relocation to Milwaukee

OP, in addition to taxes and climate, make sure you consider other cost of living factors, as well as quality of life.
by flyingbison
Wed Mar 15, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2628

Re: Relocation to Milwaukee

tim1999 wrote:I don't know what your hobbies/leisure activities are, or where you are coming from, but keep in mind the winter weather is awful.


Or wonderful, depending on one's preferences.
by flyingbison
Tue Mar 14, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3360

Re: Time Saving Tactics: Kids Edition

I'm also curious what kind of food you make, and how you cook it all in two hours. No offense, but reheated food 5 nights a week just wouldn't cut it for us. I guess if all you do is microwave food each night, that would cut down on the dishes. I do most of our cooking for the week on Sunday, as we...
by flyingbison
Tue Mar 14, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Fmla- to request or not?
Replies: 4
Views: 469

Re: Fmla- to request or not?

It may not be up to him--his work may require him to. Mine does. Additionally, FMLA will protect his job if he needs to take time off when it's not work approved because of short notice or blackout dates. This. FMLA protects him. Even if someone has paid sick leave accumulated, a lot of companies/s...
by flyingbison
Tue Mar 14, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Employer Retirement Plans, default contributions
Replies: 6
Views: 281

Re: Employer Retirement Plans, default contributions

Most of my employers throughout my career have required employee contributions of 3%-8%.
by flyingbison
Mon Mar 13, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2493

Re: How to tackle fiancee's student loan debt

I agree with the post above about not paying any expenses of your fiancé until you guys are married. I worked with a guy that supported his fiancé all the way through pharmacy school only for her to move on to someone else after she graduated. Couldn't the same thing have happened if they were marr...
by flyingbison
Mon Mar 13, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2493

Re: How to tackle fiancee's student loan debt

I agree with the post above about not paying any expenses of your fiancé until you guys are married. I worked with a guy that supported his fiancé all the way through pharmacy school only for her to move on to someone else after she graduated. Couldn't the same thing have happened if they were marr...
by flyingbison
Mon Mar 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 100
Views: 6901

Re: Tell me about Smart TVs and cutting cable

cookiez wrote:And me? I only stream over iPad/Laptop so no device at all. And I have a comcast for 10Mbps $30/month.


Same here. We have an Amazon firestick, but only use it a couple times a year.
by flyingbison
Mon Mar 13, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Inherited 90K. New to Investing, single parent
Replies: 22
Views: 2425

Re: Inherited 90K. New to Investing, single parent

A point I should have included in the opening post is that $10,000 of my $25,000 yearly income is from Social Security Disability (SSDI). Unfortunately I receive MORE income by receiving LESS from taxable income. I was hired FT-Permanent but now only work 2 days a week. I'd lose the SSDI after earn...
by flyingbison
Fri Mar 10, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: W2 question
Replies: 18
Views: 976

Re: W2 question

pianoboy wrote:From changing to single / 0 to married / 3 dependents; this would give me an extra $178 in my paycheck, that seems like a huge increase.


How does it compare to what your refund was for last year?
by flyingbison
Fri Mar 10, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Money, Children, Trusts, Oh My! - Parenting Tips Requested
Replies: 16
Views: 1810

Re: Money, Children, Trusts, Oh My! - Parenting Tips Requested

1)What are some good milestones I can put in the trust document (i.e. graduate college with high GPA, accumulate xxx in retirement by 30 years old, get a good paying job) to prevent my children from losing their ambitions as they grow up? You cannot prevent it, any more than you can cause it. All y...
by flyingbison
Fri Mar 10, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3076

Re: Cuttting the cable tv negotiation & the scam

Cut the cord and don't look back. We got rid of cable 6 years ago and haven't once missed having 20 channels with nothing good to watch. Our media entertainment now comes from Amazon, Netflix, broadcast TV (only for local news/weather and PBS), and the public library. Overall, I'd say that we watch ...
by flyingbison
Thu Mar 09, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: W2 question
Replies: 18
Views: 976

Re: W2 question

You would change your W-4, not your W-2. It depends on the person. ... OP, it also depends on why you got a large refund for last year. Did you have some significant deductions or credits? Will they continue for this year, or were they one-time occurrences? not that i know of... I'm not really sure...
by flyingbison
Thu Mar 09, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Another W2 Vs 1099 question
Replies: 11
Views: 520

Re: Another W2 Vs 1099 question

1. Am I legally free to choose between W2 and 1099 for that remote part time job? if so what would be the best for me? Technically, no. The working conditions determine whether you are an employee or self-employed. What you can do, though, is negotiate for conditions that would support your prefere...
by flyingbison
Thu Mar 09, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: W2 question
Replies: 18
Views: 976

Re: W2 question

nps wrote:You would change your W-4, not your W-2. It depends on the person. ...


OP, it also depends on why you got a large refund for last year. Did you have some significant deductions or credits? Will they continue for this year, or were they one-time occurrences?
by flyingbison
Wed Mar 08, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 32
Views: 1688

Re: Obtaining Bachelors in Accounting @ 30

amindu wrote:What level do they quote at the BLS? Just seems low to me, is the median salary for a first year staff? or someone with say 5 years of experience? If the later then its way too low.


The BLS numbers are inclusive of everyone in the occupation, so the median is for all accountants.
by flyingbison
Wed Mar 08, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 32
Views: 1688

Re: Obtaining Bachelors in Accounting @ 30

... what do you think about other posters staying that accountants don't really make as much money as people think? I'm unsure about striving for high level accounting positions or manager positions, but I can only say that I'm unsure bc I don't know much about it at all. But given the situation th...
by flyingbison
Wed Mar 08, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 32
Views: 1688

Re: Obtaining Bachelors in Accounting @ 30

... what do you think about other posters staying that accountants don't really make as much money as people think? I'm unsure about striving for high level accounting positions or manager positions, but I can only say that I'm unsure bc I don't know much about it at all. But given the situation th...
by flyingbison
Tue Mar 07, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Cashing out 401k at age 54 then getting re-hired?
Replies: 40
Views: 2489

Re: Cashing out 401k at age 54 then getting re-hired?

David Jay wrote:Fuel, Food and Ammo. Those are key items for barter. Even Gold or Silver is not very useful in the event of societal collapse. And certainly not paper money...


And toilet paper.
by flyingbison
Fri Mar 03, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 4747

Re: When & how much to donate?

Those numbers may be a bit misleading since it would include donations to churches, synagogues, mosques, etc that people attend. That may be a fine choice but that is a bit different than donating money to a non-religious cause. I respectfully disagree. Most churches, synagogues and mosques provide...
by flyingbison
Tue Feb 28, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to handle a 403(b) I can't rollover?
Replies: 6
Views: 410

Re: Best way to handle a 403(b) I can't rollover?

+1 for picking the best options available. I have several different retirement accounts from former employers, and the money is still invested and growing. My single largest retirement account at this time is from a job I worked for only 7 years, and left over 15 years ago.
by flyingbison
Tue Feb 28, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't Amazon collect sales tax for all items for states that require it?
Replies: 11
Views: 947

Re: Who doesn't Amazon collect sales tax for all items for states that require it?

In NC, you have a choice of paying what is on a chart (determined by your taxable income and your county) or you can certify that you didn't do any purchases that didn't collect state tax. Like you, I use Amazon a lot. The chart said I owe something like $3 so I just paid the $3 rather than even tr...
by flyingbison
Tue Feb 28, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't Amazon collect sales tax for all items for states that require it?
Replies: 11
Views: 947

Re: Who doesn't Amazon collect sales tax for all items for states that require it?

I tried to make entries in Turbo Tax. I had to enter the date and purchase price of each order. I gave up. Seriously am I required to make 60 entries with the date and amount I paid for small amounts? Does your state tax form require that info, or is it just how Turbo Tax get the data from you? In ...
by flyingbison
Tue Feb 28, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

Am I correct in thinking that if you live in a state with no income tax, checks made out to your infants' names can be deposited to a 529 in your name without any unethical tax considerations? I'm not benefitting in any way (except by lowering my cost of their education). Is it ethical to keep some...
by flyingbison
Tue Feb 28, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Give Our Son a Down Payment
Replies: 18
Views: 2471

Re: Best Way to Give Our Son a Down Payment

You could give him $28k with no tax consequences whatsoever. If your son is married then it is $14,000 from each of you to each of them (i.e. $56,000) without counting towards your lifetime exemption. Son doesn't have to be married. OP and wife can $14k each to any two individuals (or three, seven,...
by flyingbison
Tue Feb 28, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

Is it ethical to keep someone else's money in your own account? Gifts are from grandparents for the 529's made payable to the grandchildren (my kids) as a way of distinguishing which accounts to direct the funds to. Am just concerned with legal impropriety. I was responding to your question about e...
by flyingbison
Tue Feb 28, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

Am I correct in thinking that if you live in a state with no income tax, checks made out to your infants' names can be deposited to a 529 in your name without any unethical tax considerations? I'm not benefitting in any way (except by lowering my cost of their education). Is it ethical to keep some...
by flyingbison
Tue Feb 28, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

What if one or more of the kids decide not to go to college? Most 529 plans will let you change beneficiaries between children of the same generation. As other poster said, you can change beneficiaries with no penalty. You can also withdraw the contribution with no penalty, and only a 10% hit to th...
by flyingbison
Mon Feb 27, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

I would put it all in 529's. I am curious as to your reasons why not. I do not like UGMA's because there is no guarantee the funds will be spent on education. What if one or more of the kids decide not to go to college? Most 529 plans will let you change beneficiaries between children of the same g...
by flyingbison
Mon Feb 27, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

aristotelian wrote:I would put it all in 529's. I am curious as to your reasons why not. I do not like UGMA's because there is no guarantee the funds will be spent on education.


What if one or more of the kids decide not to go to college?
by flyingbison
Mon Feb 27, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

I received a gift of $25,000 for each child (4) totaling $100K. Just to clarify, was the money give to you, or to your children? Sorry, should have been more clear. The checks were given to me, but made out to each of my children. None of them have any financial assets at this point though, so I am...
by flyingbison
Mon Feb 27, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 35
Views: 2237

Re: 100K gift for kids education...where to put it.

pingizzle wrote:I received a gift of $25,000 for each child (4) totaling $100K.


Just to clarify, was the money give to you, or to your children?
by flyingbison
Fri Feb 24, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6751

Re: Which puppy to buy: golden retriever or labrador retriever?

I don't think anyone has mentioned the depreciation on a new dog yet. :twisted:
by flyingbison
Thu Feb 23, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6751

Re: Which puppy to buy: golden retriever or labrador retriever?

pezblanco wrote: I slightly prefer the labs due to that short hair. They are MUCH easier to clean up when they get dirty/messy/full of burrs/ etc etc. Don't underestimate this!


Agreed. My flat-coated retriever is a mess to dry off or clean up any time it is wet/muddy/slushy outside.
by flyingbison
Thu Feb 23, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing for a recent college grad
Replies: 15
Views: 875

Re: Tax filing for a recent college grad

FiveK wrote:Highly recommended (i.e., agreeing w/ livesoft) that she first fill out form 1040 (or 1040A if that suffices) by hand. No better time to start learning than now.



This.
by flyingbison
Wed Feb 22, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2410

Re: Amazon Coupon Code

Thanks for the tip. $50 Cabela's gift card for $41.37, plus I will get 5% back for the purchase on my Amazon Visa card.
by flyingbison
Wed Feb 22, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7235

Re: Need advice on girlfriend debt/finances

You said: She doesn't like the idea of us living without fun until debts are gone ... This attitude does not bode well for a secure financial future. Really? I think it's fair to say that the majority of people with a college education have some form of debt after they graduate and during the prime...
by flyingbison
Wed Feb 22, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6751

Re: Which puppy to buy: golden retriever or labrador retriever?

Our corgi died from cancer at the age of 10 in early November. ... We likely are going the purebred route and have narrowed it down to either a golden retriever or labrador retriever ... Not sure if it has been mentioned above, but have you had a large dog before? There may be a significant differe...
by flyingbison
Mon Feb 20, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 1231

Re: Trying to understand TIAA Traditional

rckiv wrote:
Can someone please explain in simple terms why this is a good choice in general?


Guaranteed 3% interest rate (depending on the type of contract), and usually pays out more.
by flyingbison
Mon Feb 20, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 8
Views: 454

Re: Best way to Improve TIAA 403b R1

Do you have TIAA-CREF S&P 500 Index Fund (Institutional) TISPX available in your 403b?

My accounts with TIAA are both R3, but my expense ratio on that one is only .06 ... might be easiest for your employer to add some of the cheaper funds within TIAA.
by flyingbison
Mon Feb 20, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 8
Views: 454

Re: Best way to Improve TIAA 403b R1

... (how can I tell which version of Traditional we have?) When you are logged in, looking at your account details, there will be a link called "VIEW INTEREST RATES" next to the listing for TIAA Traditional. When you click on that, it will display your contract number, along with the rate...

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