Search found 160 matches

by bdrolan
Fri May 22, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Shed Foundation: Flat Concrete Blocks or Deck Piers?
Replies: 18
Views: 1488

Re: Shed Foundation: Flat Concrete Blocks or Deck Piers?

Thanks!

No frost line and no high winds. We get some winds here in Texas but anything that needs anchors.
by bdrolan
Wed May 20, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Shed Foundation: Flat Concrete Blocks or Deck Piers?
Replies: 18
Views: 1488

Shed Foundation: Flat Concrete Blocks or Deck Piers?

Any DIY'ers or Construction Gurus Out There? I'm planning on building a 12x12 or 12x16 shed soon, but going back and forth on foundation options. I was going to spring for a concrete pad, but I've decided to go the easier route with this size of shed. I'm trying to decide between Flat Concrete Block...
by bdrolan
Thu Apr 16, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planning for Mother-In-Law
Replies: 9
Views: 626

Re: Financial Planning for Mother-In-Law

I don't think PAS does financial planning. It does investment management. Bingo. I don't want to recommend someone to sell her investments but overall planning. I think I can at least sell her on going to a 70/30 Stock 3-Fund Portfolio due to her age and small pension. Really be aware of planners. ...
by bdrolan
Thu Apr 16, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planning for Mother-In-Law
Replies: 9
Views: 626

Re: Financial Planning for Mother-In-Law

livesoft wrote: Thu Apr 16, 2020 1:34 pm I don't think PAS does financial planning. It does investment management.

Bingo. I don't want to recommend someone to sell her investments but overall planning. I think I can at least sell her on going to a 70/30 Stock 3-Fund Portfolio due to her age and small pension.
by bdrolan
Thu Apr 16, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planning for Mother-In-Law
Replies: 9
Views: 626

Financial Planning for Mother-In-Law

Afternoon fellow Bogleheads, Curious on your thoughts to locate a good Financial Planner to help my Mother-in-law. I've directed her to the Bogleheads site and the retirement planning section in particular, but doubt if she has the motivation/discipline to read thru it. She wants someone to setup he...
by bdrolan
Wed Mar 18, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150283

Re: Coronavirus (Consumer Issues) How you are preparing?

Anyone dropping dinero on some of the longer term food supply stuffs, like My Patriot Supply, Valley Food Storage, etc? They're in an 8-10 week delay it seems but if this thing lingers months or a year, you would think that food would starting getting thinned out at some point? Not necessarily virus...
by bdrolan
Thu Mar 12, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9311
Views: 650855

Re: Refinance Mega Thread

yep. May have missed the train. Was looking at a VA IRRL last week for 3.125% and currently at 3.99%.....then just heard about the rates going back up ....waiting to hear back from the Mortgage Guy. This is for VA Streamline IRRL. Our current company is coming in higher than 3.125% now , but quote ...
by bdrolan
Thu Mar 12, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9311
Views: 650855

Re: Refinance Mega Thread

yep. May have missed the train.

Was looking at a VA IRRL last week for 3.125% and currently at 3.99%.....then just heard about the rates going back up ....waiting to hear back from the Mortgage Guy.
by bdrolan
Mon Feb 10, 2020 10:21 pm
Forum: Personal Investments
Topic: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?
Replies: 13
Views: 666

Re: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?

You will only be able to access the contributions. The earnings will be taxed and penalized unless you are over age 59.5. Cheers I think you avoid the early withdrawal penalty for qualified education expenses (but earnings are still taxes) - ref: https://www.irs.gov/taxtopics/tc557 "Not in exc...
by bdrolan
Mon Feb 10, 2020 8:04 pm
Forum: Personal Investments
Topic: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?
Replies: 13
Views: 666

Re: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?

overall 80/20 Overall AA? bdrolan, 1) It should be part of the overall AA. I failed to see why do you need to treat Roth IRA differently. 2) It is a long time from now. It is entirely possible that you may not need to use the money from Roth IRA at all. KlangFool Thanks. On 2), I'm hoping that we w...
by bdrolan
Sun Feb 09, 2020 3:12 pm
Forum: Personal Investments
Topic: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?
Replies: 13
Views: 666

Re: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?

The best answer likely depends on your retirement savings and projected sources of income. I personally wouldn’t give up the Roth space. I need it more than the children. You are not limited to one strategy. Currently maxing my TSP, 15% spouse income to her IRA/401k, and I will have Navy Reserve pe...
by bdrolan
Sat Feb 08, 2020 9:58 pm
Forum: Personal Investments
Topic: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?
Replies: 13
Views: 666

Re: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?

You will only be able to access the contributions. The earnings will be taxed and penalized unless you are over age 59.5. Cheers Correct. I'm aware of pros/cons on 529 vs Roth IRA, but we've chosen to go Roth IRA. It wont hurt the kids to pay for some of their own schooling or work for it....or wai...
by bdrolan
Sat Feb 08, 2020 9:16 pm
Forum: Personal Investments
Topic: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?
Replies: 13
Views: 666

Re: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?

Are you sure that is the best move? Personally, I would not give up the tax advantage of the ROTH for college costs. We just like the flexibility of Roth IRA to use for college vs a 529 solely for education. Roth is better than normal brokerage acct as well. My Roth TSP is maxed and my wife still h...
by bdrolan
Sat Feb 08, 2020 9:06 pm
Forum: Personal Investments
Topic: Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?
Replies: 13
Views: 666

Roth IRA for Future College Expenses. Target Date Fund or Part of Overall AA?

Getting ready to open my Roth IRA and plan is to use for college expenses vs solely retirement.

Opinions on a Target Date Fund near my 4yr olds College Timeframe (2035 or 2040) to mimic 529 or do I just figure as part of overall 80/20 Overall AA?
by bdrolan
Sat Feb 01, 2020 12:34 am
Forum: Personal Finance (Not Investing)
Topic: What Next to Save For?
Replies: 6
Views: 904

Re: What Next to Save For?

My two cents -- get the retirement savings vehicles maxed out. Roths/TSP/spouse's 401k....once those are completely hitting the maxs (in pretty much that order -- and $2-$3k a month should get you there or pretty close), then move on to other goals. You'll never regret having more for retirement, a...
by bdrolan
Sat Feb 01, 2020 12:09 am
Forum: Personal Finance (Not Investing)
Topic: What Next to Save For?
Replies: 6
Views: 904

What Next to Save For?

Ages: 36 and 32, 2 kids (ages 4 and 1) State: Texas Savings: 7-8 months expenses in EF ($33k and one job is Federal) Cash On-Hand: $6k (possibly used for various home improvements, such as screening porch, storage shed, etc) Retirement (mix of TSP, spouse 401k, and spouse Roth IRA): $160k and saving...
by bdrolan
Tue Nov 26, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Spin Cycle or Upright Bike?
Replies: 56
Views: 3665

Spin Cycle or Upright Bike?

My wife and I are looking at either an indoor cycle or upright bike, but can't decide which to go with. Anyone out there purchase one and any points to consider to sway one side? We are beginners to cycling and low-to-moderate fitness. I have taken spin cycle classes years ago and loved them, but wa...
by bdrolan
Fri Nov 01, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4878
Views: 1305956

Re: What Book Are You Currently Reading? Part VI

Just finished "Norse Mythology" by Neil Gaiman.

Started "American Gods" by Gaiman and should finish "Andrew Jackson and the Miracle of New Orleans" by Brian Kilmeade/Don Yaeger this weekend.
by bdrolan
Sat Aug 17, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Fantasy Football
Replies: 7
Views: 981

Re: Bogleheads Fantasy Football

gazelle1991 wrote: Sat Aug 17, 2019 6:20 pm I would play as well.

Make it 4!
by bdrolan
Sat Aug 17, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Fantasy Football
Replies: 7
Views: 981

Re: Bogleheads Fantasy Football

jeff622859 wrote: Sat Aug 17, 2019 3:48 pm I would play. Since we are a financial forum I would say at least $10 buy-in just to keep people active and not blow it off.
Sounds like 3 so far. Any other takers?
by bdrolan
Sat Aug 17, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Fantasy Football
Replies: 7
Views: 981

Re: Bogleheads Fantasy Football

mx711yam wrote: Sat Aug 17, 2019 3:15 pm I'd be interested if it's on the yahoo fantasy platform. Never cared for any of the others.
Can definitely do Yahoo
by bdrolan
Sat Aug 17, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Fantasy Football
Replies: 7
Views: 981

Bogleheads Fantasy Football

Wondering if any interest in making a Bogleheads Fantasy Football League? Most likely Free unless big request for small money (under $10).

Im thinking Auction Draft, standard or 0.5 PPR with FAAB Waiver system.
by bdrolan
Fri Aug 09, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?
Replies: 13
Views: 470

Re: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?

dm200 wrote: Fri Aug 09, 2019 9:22 am Put some amount in your budget for increased auto insurance premiums due to this claim! :dollar :dollar :oops:

Oh yea....trying to plan for that now too.
by bdrolan
Fri Aug 09, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?
Replies: 13
Views: 470

Re: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?

If you are just going by monthly payment (many do), then pay off your car now. Dump that $625. Buy a new car and stay under $625 for 48 months. That ties up the least amount of your paycheck/cashflow. Eventually get out of the thinking that every car has a car payment. Save up, then buy. Common mis...
by bdrolan
Fri Aug 09, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?
Replies: 13
Views: 470

Re: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?

Question is: Do I payoff my car remaining loan ($4300 @ 1.9%), then use remaining money toward wife's new car or just direct to new car? My Car Owe $4300 @ 1.9% Monthly payment is $625 (includes extra $125 toward principle) New Car Probably around $33k Interest Rate most likely between 3-4% Which w...
by bdrolan
Fri Aug 09, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?
Replies: 13
Views: 470

Re: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?

I'm not sure of current interest rate. I was quoted 3% range about 2 months back.

I understand depreciating asset issues, but ....need a car and choosing to go with one that costs around $33k.
by bdrolan
Fri Aug 09, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?
Replies: 13
Views: 470

Totaled Car Claim: Payoff remaining car then buy new or put all toward new car?

Morning! Need some advice. My mother-in-law totaled my wife's car last week. Shes fine, but car wasnt. We were already in market to buy; this just sped it up. The best trade-in that we received was $6,500, but insurance is giving us close to $12k. We do not owe anything on my wife's car, so no payof...
by bdrolan
Fri Jun 14, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

No and why. Yesterday, my son graduated from high school. My mom and FIL came with the 3 of us. So 5 total. Could we all fit in a Subaru Legacy? Sure. We took 2 cars. For one event in 12 years, it would be stupid to have a bigger vehicle. In a similar way, your mother in law can go in another car.....
by bdrolan
Fri Jun 14, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

Well, we decided to back away. We dont need it, but would be nice.

Also, we usually never do anything big unless we are absolutely sure of it.....and we're still unsure
by bdrolan
Fri Jun 14, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

Thanks everyone. It is fir a Touring L Plus with a number of extras. Comparable new ones run for 7-9k more. Chrysler has a 360 degree camera, which we want, while Honda and Toyota do not gave. Details that make a difference are best shared up front. Buy it. Cheers Didnt realize there would be such ...
by bdrolan
Fri Jun 14, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

Thanks everyone. It is fir a Touring L Plus with a number of extras.

Comparable new ones run for 7-9k more.

Chrysler has a 360 degree camera, which we want, while Honda and Toyota do not gave.
by bdrolan
Thu Jun 13, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

Yes. You can afford it and will be very glad you bought it. As to the price, that depends on trim level. You can get a brand new Touring L for about the same price. A 1yr old used Pacifica was almost certainly a rental. It has 16k and apparently traded in from a older couple who didnt need it. Stil...
by bdrolan
Thu Jun 13, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

Flyer24 wrote: Thu Jun 13, 2019 8:46 pm Save money and leave the MIL at home. Win-win. 😁


Believe me....I wish
by bdrolan
Thu Jun 13, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Re: Buy Mini-Van Tomorrow or No?

Sandtrap wrote: Thu Jun 13, 2019 8:41 pm Sounds like you have already decided. :D
j :D
Lol ....yes....but no
by bdrolan
Thu Jun 13, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4088

Buy Mini-Van Tomorrow or No?

My wife and I were planning on buying a Used 2018 Pacifica tomorrow for 30k but having second thoughts. Looking for some advice or pointers. We can afford the van and the cost/down payment is not an issue. We have 6 month EF, saving 15% from all income streams toward retirement, and only have home l...
by bdrolan
Fri May 24, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 3242

Re: Weber vs Broil King Grills

Back in 2016, I went through the same dilemma as everyone else. I ended up getting the Broil King Baron 440. It's held up really well, which to me is the most important part. I have no rust or anything. However, I still have a hard time with heat control. Overall, it gets too hot even with the burn...
by bdrolan
Thu May 23, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 3242

Re: Weber vs Broil King Grills

Thanks everyone. Some good replies and some that missed the mark...but thanks.


If anyone else still wants to chime in, its welcomed.
by bdrolan
Thu May 23, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 3242

Weber vs Broil King Grills

I'm about to drop some money on a new grill and was set on a Weber for a while; however, I stopped to look one more time and some Broil King grills caught my eye. I researched them and they seem to be pretty solid and comparable, if not better in some cases, to Weber. The grill specs seem to be bett...
by bdrolan
Wed Mar 20, 2019 9:12 pm
Forum: Personal Investments
Topic: Role of Pensions and Social Security in Asset Allocation
Replies: 147
Views: 7962

Re: Role of Pensions and Social Security in Asset Allocation

I would say to definitely look at the ability for SS and your Pension to be there when you want it. I know you mentioned assuming that those things are there, but who knows what future brings. Woth your 401k, IRA and similar brokerage, you at least have money there. You have 0 in the other 2. Bird i...
by bdrolan
Wed Mar 13, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 7884

Re: Peanut Butter recommendations

We buy Skippy Natural Peanut Butter Creamy. My spouse used to buy more expensive natural brands but we found Skippy Natural to be consistently good (and just as "Natural" at a better price). If you want to compare to the coffee aficionados maybe you should roast and grind your own peanuts...
by bdrolan
Wed Mar 13, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 7884

Re: Peanut Butter recommendations

We buy Skippy Natural Peanut Butter Creamy. My spouse used to buy more expensive natural brands but we found Skippy Natural to be consistently good (and just as "Natural" at a better price). If you want to compare to the coffee aficionados maybe you should roast and grind your own peanuts...
by bdrolan
Thu Feb 28, 2019 2:55 pm
Forum: Personal Investments
Topic: Need Help Adding New 401k Funds to Overall AA
Replies: 7
Views: 532

Re: Need Help Adding New 401k Funds to Overall AA

Once you wrap your head around the notion of balancing everything as a single portfolio it is actually easier. Note that there is just one fund in the 401k and the Roth IRA. When it comes time to rebalance it only has to be done in the TSP. And that is so easy to do. One is always weighing the valu...
by bdrolan
Thu Feb 28, 2019 10:48 am
Forum: Personal Investments
Topic: Need Help Adding New 401k Funds to Overall AA
Replies: 7
Views: 532

Re: Need Help Adding New 401k Funds to Overall AA

The ER for the S&P 500 fund in her 401k is too high for my taste. I would just load up her 401k with Vanguard Small Cap. Adjust the TSP by lowering the S Fund percentage and bumping up the others until you have the AA you seek, spread across all accounts. By the end of 2019 it would look someth...
by bdrolan
Wed Feb 27, 2019 6:57 pm
Forum: Personal Investments
Topic: Need Help Adding New 401k Funds to Overall AA
Replies: 7
Views: 532

Re: Need Help Adding New 401k Funds to Overall AA

MainStay MacKay S&P 500 Index Fund Class A ( other S&P 500 Funds have better ER , but only this and VG Small Cap are only available Index Funds) Ticker: MSXAX ER: 0.58% Between the TSP and Roth IRAs you have great options. What are the other S&P 500 Funds with lower expense ratios? Pick...
by bdrolan
Wed Feb 27, 2019 3:32 pm
Forum: Personal Investments
Topic: Need Help Adding New 401k Funds to Overall AA
Replies: 7
Views: 532

Re: Need Help Adding New 401k Funds to Overall AA

Bump.

Trying it one more time.
by bdrolan
Wed Feb 27, 2019 12:34 am
Forum: Personal Investments
Topic: Need Help Adding New 401k Funds to Overall AA
Replies: 7
Views: 532

Need Help Adding New 401k Funds to Overall AA

My wife recently started a new job and new 401k comes with it. Can you give me opinion on my math and thinking below? Emergency funds: 5 Months Debt: 296k (Mortgage) Tax Filing Status: Married Filing Jointly Tax Rate: 22% Federal (probably 24% for 2019) State of Residence: TX Age: 35/31 Desired Asse...
by bdrolan
Wed Nov 28, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4878
Views: 1305956

Re: What Book Are You Currently Reading? Part VI

Bonhoeffer: Pastor, Martyr, Prophet, Spy by Eric Mataxas Greatly detailed and sourced book on German Christian Dietrich Bonhoeffer whose faith and strong will were central in his and other Germans' acts in subversive actions against the National Socialists (NAZIs), including the infamous "Valky...
by bdrolan
Wed Nov 28, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any federal employees used FSAFEDS?
Replies: 4
Views: 638

Re: Any federal employees used FSAFEDS?

Used dependent care first time this year and healthcare past 2 years.

Tge FSAFeds App makes thing a ton easier, particularly the Dependent Care reimbursement.

Feel free to PM.
by bdrolan
Wed Nov 28, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 6020

Re: Robot Vacuum Cleaner?

Have a robot vacuum that is 5+ years old. Noisy, and the batteries are shot so it runs for 15 minutes then shuts down. Cost was >$300. Just bought a second one Ecovacs Deebot N79S. Not programmable, random, but does have an "edge only" feature that works pretty well. Bought it on sale for...