Search found 1213 matches

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: 6182

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: 6182

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: 825

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: 2355

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: 6780

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: 6182

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: 1002

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: 416

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: 416

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...
by flyingbison
Thu Feb 16, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: sole prop. - mileage deductions with no "main job" site
Replies: 21
Views: 950

Re: sole prop. - mileage deductions with no "main job" site

I don't really have any administrative tasks. The company that hired me requires me to be a independent contractor/sole proprietor. They send me my work schedule and I have to show up to work, that's it. The only thing I use the "office" for would be to keep my log of daily miles traveled...
by flyingbison
Thu Feb 16, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: sole prop. - mileage deductions with no "main job" site
Replies: 21
Views: 950

Re: sole prop. - mileage deductions with no "main job" site

I don't really have any administrative tasks. The company that hired me requires me to be a independent contractor/sole proprietor. They send me my work schedule and I have to show up to work, that's it. The only thing I use the "office" for would be to keep my log of daily miles traveled...
by flyingbison
Thu Feb 16, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: sole prop. - mileage deductions with no "main job" site
Replies: 21
Views: 950

Re: sole prop. - mileage deductions with no "main job" site

It looks like I won't be able to deduct those commuting miles. When calculating miles that I can deduct when working at multiple job sites on the same day, which method do I use: Example: Home to job site 1 (20 miles) - job site 1 to job site 2 (15 miles) - job site 2 to home (8 miles). Would my de...
by flyingbison
Thu Feb 16, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: sole prop. - mileage deductions with no "main job" site
Replies: 21
Views: 950

Re: sole prop. - mileage deductions with no "main job" site

"Daily transportation expenses you incur while traveling from home to one or more regular places of business are generally nondeductible commuting expenses." See page 14 and following: https://www.irs.gov/pub/irs-pdf/p463.pdf This example may also be relevant to you: "Example 3. You h...
by flyingbison
Thu Feb 16, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1173

Re: Investing Advice for Baby/Infant

MN Finance wrote:
flyingbison wrote:
Easy Rhino wrote:I created a 529 for my daughter, specifically to hold cash gifts from relatives. Which honestly aren't that much, she's only 4.



Gifts to you, or gifts to your daughter? If you own the 529, I wouldn't be putting gifts made to someone else into it.

Wow.


Care to elaborate?
by flyingbison
Wed Feb 15, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1687

Re: Mailed Speeding Ticket via Auto System - Not Driver

Your wife was driving it??? Then I don't understand what you are asking. Sounds like your wife is responsible for the ticket. Who do YOU think should pay the ticket?? You keep using the term "written testimony" which is another way of saying "I'll write my pitiful excuse on a piece o...
by flyingbison
Wed Feb 15, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1173

Re: Investing Advice for Baby/Infant

Easy Rhino wrote:I created a 529 for my daughter, specifically to hold cash gifts from relatives. Which honestly aren't that much, she's only 4.



Gifts to you, or gifts to your daughter? If you own the 529, I wouldn't be putting gifts made to someone else into it.
by flyingbison
Wed Feb 15, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Pop Quiz and Rant - Do you know what ICE stands for?
Replies: 19
Views: 1575

Re: Pop Quiz and Rant - Do you know what ICE stands for?

My phone doesn't have a lock screen, but there is no emergency contact info listed in it anyway.
by flyingbison
Wed Feb 15, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 3076

Re: Kids in Apartment Sharing Bedroom - Workable?

I grew up in a 3 bedroom house, with 4 kids - 2 boys and 2 girls. My sisters shared a room, and my brother and I shared a room (bunk beds) until the older siblings moved out. Similar for my partner. She shared a small room with her younger sister until she moved out at 18.
by flyingbison
Wed Feb 15, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1173

Re: Investing Advice for Baby/Infant

Objectives of the account(s) would be: - Ability for me to save for future college expenses - Ability for relatives to help fund future college expenses - Place to save his future gifts ($$$ for xmas, birthdays, etc.) - Example/teaching tool for when he gets older of the importance/responsibility o...
by flyingbison
Wed Feb 15, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Hiring a Contract Worker
Replies: 7
Views: 551

Re: Hiring a Contract Worker

In addition to complying with the W-2 vs 1099 issue (I suspect this is probably a W-2 employee and not a 1099), be aware of the relatively new exempt and non-exempt and overtime rules. Do not assume this person will be exempt from overtime payments. Are you referring to the new minimum salary level...
by flyingbison
Wed Feb 15, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1960

Re: Where to buy rare steaks?

TomCat96 wrote:Where do you obtain high quality steaks you can enjoy rare at home while minimizing the risk of getting sick?


I'm not much for steak, but we buy most of our meat at the farmers market from local producers.
by flyingbison
Tue Feb 14, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Clergy Retirement Investing: 403(b) vs. Roth IRA
Replies: 20
Views: 2919

Re: Clergy Retirement Investing: 403(b) vs. Roth IRA

In the current year, if I max out my wife's clergy 403(b) with an $18,000 contribution, by avoiding SECA and deferring federal and state income tax, I'll have almost $6000 more to contribute! The discounted SE tax is definitely an advantage for the 403b in your situation, as is the higher contribut...
by flyingbison
Tue Feb 14, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10111

Re: Bogleheads not the norm?

I guess this isnt much of a questions but a statement But I am curious if there are any lower income people on here. Or those that arent or cant maxing out their retirement and are carrying debt and how they are handling their finances? There are plenty, including me. Not sure how much is low incom...
by flyingbison
Tue Feb 14, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10111

Re: Bogleheads not the norm?

kgressler wrote:I guess this isnt much of a questions but a statement But I am curious if there are any lower income people on here. Or those that arent or cant maxing out their retirement and are carrying debt and how they are handling their finances?


There are plenty, including me.
by flyingbison
Tue Feb 14, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: New job - 403B options
Replies: 9
Views: 351

Re: New job - 403B options

Whoops! The Guaranteed rate is 1%. Lordy, I have lots more studying to do! Hmm, at 1% it's not as good a deal. Sounds like your plan must have the "retirement choice" or "retirement choice plus" contract: https://www.tiaa.org/public/pdf/RC_ComparisonGrid_8_fin.pdf?_ga=1.47813093...
by flyingbison
Tue Feb 14, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: New job - 403B options
Replies: 9
Views: 351

Re: New job - 403B options

I do have TIAA Traditional, with a guaranteed rate of 4.25% thru 2/28/17. (I honestly have no idea what this is... runs off to read more...) I think you are looking at the crediting rate - the guaranteed rate is probably 3%? Regardless, this is a great fund to use for some or all of the "bond&...
by flyingbison
Tue Feb 14, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: term life insurance expiring
Replies: 5
Views: 486

Re: term life insurance expiring

If you don't need it, drop it. You are unlikely to die in the next 10 years, and will be wasting a lot of money on premiums.
by flyingbison
Tue Feb 14, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: New job - 403B options
Replies: 9
Views: 351

Re: New job - 403B options

Expense ratios with TIAA vary a lot from one employer plan to another (though I don't think yours are very high).

Do you have TIAA Traditional in your plan, and what is your guaranteed rate?
by flyingbison
Tue Feb 14, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1108

Re: The 6 403b Companies Offered Where I Teach

403b (and 401k) plans allow distributions at age 55 without penalty after leaving their employer. Just to clarify (and I think this is what you are suggesting), the age 55 exception only applies to distributions made from a 401/403 plan if you separate from service from that particular employer in ...
by flyingbison
Tue Feb 14, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Clergy Retirement Investing: 403(b) vs. Roth IRA
Replies: 20
Views: 2919

Re: Clergy Retirement Investing: 403(b) vs. Roth IRA

I am resurrecting an old thread, I know. I just too discovered that as clergy, my 403b contributions are free from SECA (15.3%). I was about to plow my retirement savings into a Roth, but now I am going to max out the 403b instead. It seems like a slam dunk case, even with the difference in funds a...
by flyingbison
Mon Feb 13, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: clergy: which tax adv retirement (and college saving) vehicle should I prefer?
Replies: 7
Views: 679

Re: clergy: which tax adv retirement (and college saving) vehicle should I prefer?

Thank you both for your replies. I'm left wondering about the 403(b) contributions and not paying into social security. I'm worried about harming my wife by decreasing her social security payment. In addition to a reduced SS payment in retirement, you would also be impacting the other benefits of s...
by flyingbison
Mon Feb 13, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1049

Re: Reporting "Attendance Grant" on taxes

Ask the organization to send you a 1099-MISC so that you can fill out a Schedule C. Ok. So you are saying I can fill out Schedule C, deduct the travel expenses, and have a net negative loss? I thought the prior posters were saying that I cannot do that (e.g., "tax home" is the conference ...
by flyingbison
Fri Feb 10, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for college for 2 kids: 3 and 0
Replies: 80
Views: 3155

Re: Saving for college for 2 kids: 3 and 0

I just got a major sticker shock with the projected tuition costs. You have to keep in mind that a significant portion of those "cost of attendance" figures you are using include food, housing, transportation, etc. There are a lot of variables in living expenses, and they will be incurred...
by flyingbison
Fri Feb 10, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with all this rollover money
Replies: 23
Views: 1485

Re: What to do with all this rollover money

It is easy to critisize but I came to you for your opinions and input. I do not get any check in the mail. I have to pay income tax on whatever I take out and I don't get to use that income to put a contribution back in. The amount of $800k is not my reality of funds to play with as any of you with...
by flyingbison
Fri Feb 10, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with all this rollover money
Replies: 23
Views: 1485

Re: What to do with all this rollover money

My bills, mortgage, debts..... everything, are paid from periodic withdrawals from the pension funds. My stradegy is to invest into agressive high yields including IPO's. I obviously don't have time for anything long term. Do you have time to recover from losing half or more of your investment? Aft...
by flyingbison
Fri Feb 10, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 46
Views: 3634

Re: Robocalls! -- current best call blocker?

I've had the same cell number (my only phone) for about 10 years now and get very few calls. When I do, though, it isn't a problem because the ringer is off and I never answer the phone. I just get a notification when there is a new voicemail.
by flyingbison
Fri Feb 10, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1108

Re: The 6 403b Companies Offered Where I Teach

We'd need to know your specific investment options with each, and the costs.
by flyingbison
Thu Feb 09, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - Itemizing
Replies: 16
Views: 1066

Re: Tax question - Itemizing

This is my first year itemizing might come out ahead since I bought a house this year. As it sits right now I'm at $12,300 deductions but that is using the state tax that I already paid, even though I owe add'l state tax of $1100. How do I add the add'l $1100 that I'll need to write a check for to ...
by flyingbison
Thu Feb 09, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: 403b9 over a Roth Ira?
Replies: 10
Views: 505

Re: 403b9 over a Roth Ira?

The foursquare denomination uses the term "licensed" instead of ordained. She is licensed. Do these accounts convert to IRA's if she is no longer employed by the church? Usually, though it may depend on the specific plan. I have a 403b account with a former employer, and I was permitted t...
by flyingbison
Wed Feb 08, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: 403b9 over a Roth Ira?
Replies: 10
Views: 505

Re: 403b9 over a Roth Ira?

My sister is currently employed at a church which offers a 403b9. They match contributions, but I am not sure how much they will match. They have different options like Traditional and Roth iras , annuities (no thanks), mutual funds, etc. I'm pretty sure you can't have tIRA or rIRA within a 403b pl...
by flyingbison
Wed Feb 08, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1049

Re: Reporting "Attendance Grant" on taxes

I agree with reporting it on Line 21 as "other income." Even if you did put it on Schedule C, I don't think your travel expenses would be allowable, since the location of the meeting would be considered your "tax home" if that was the only place you conducted business for your 10...
by flyingbison
Wed Feb 08, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6136

Re: Child on the Way - What to do for College Financing?

livesoft wrote:Another data point: There are jobs on campus for students that are not work-study jobs, so even students with no financial aid can get jobs.


And many more off-campus, as well.
by flyingbison
Tue Feb 07, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6136

Re: Child on the Way - What to do for College Financing?

- Contrary to folklore a LOT of folks pay full sticker price so don't listen to the "nobody pays full sticker price" myth. How do you define "a lot?" At Yale, I've seen numbers between 45% and 49% being full pay. The number of students enrolled at elite private schools is a smal...
by flyingbison
Tue Feb 07, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6136

Re: Child on the Way - What to do for College Financing?

DaftInvestor wrote:- Contrary to folklore a LOT of folks pay full sticker price so don't listen to the "nobody pays full sticker price" myth.


How do you define "a lot?"
by flyingbison
Tue Feb 07, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6136

Re: Child on the Way - What to do for College Financing?

Best way to save for college expenses is to get a job at a college. :happy Somewhat silly. Somewhat serious. Free tuition for your children is a killer benefit that almost all colleges and universities offer their employees, both the teaching staff and the non-teaching staff. Some do. Perhaps many....
by flyingbison
Tue Feb 07, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6136

Re: Child on the Way - What to do for College Financing?

I'm sort of tired of hearing that "nobody pays sticker" since I pay the full $65k for a top engineering school on my $125k family income. Yes, this a a phrase that is really school specific. At the top elite schools many people are indeed paying full sticker price, which as you note is ne...
by flyingbison
Tue Feb 07, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6136

Re: Child on the Way - What to do for College Financing?

Realistically speaking, this isn't something I can afford if I have 3 children. Am I alone in simply saying that this isn't economically suitable for anyone at my income level? There is no chance that I can afford my own retirement and somehow save up $660k on the side over the next 18 years for 3 ...
by flyingbison
Tue Feb 07, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2709

Re: College kids driving cars (to live off campus)

blevine wrote: How much does it typically cost to add a 3rd car (modest used car maybe 20k purchase) ? My insurance on 2 cars for 3 drivers went from $2k/yr to $4k/yr adding the 3rd (teen driver), but that was without a 3rd car.


Have your son get his own insurance, then yours will go down instead of up.
by flyingbison
Tue Feb 07, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 3229

Re: get rid of landline but keep access to 911

We have 2 cell phones, no landline (for almost 10 years now, IIRC). Sure, it's possible that there could be a real emergency someday when the cell phones wouldn't work, but it isn't very likely. Even if I had a landline, though, maybe a burglar/serial killer would cut the line before breaking into m...
by flyingbison
Tue Feb 07, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Insights for Long Distance Grandparents
Replies: 23
Views: 1270

Re: Insights for Long Distance Grandparents

My parents live about that far from us, and my daughter is now 5. Since she's been born, they've seen her once a year for about 3 days each time. In the past 5 years we've skyped maybe 3 or 4 times. My partner will email them pictures or short videos once in a while. That's about it. My daughter kno...

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