Search found 88 matches

by crockpotinvesting
Thu May 07, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance up 40%, stay w/same company due to possible roof issues?
Replies: 22
Views: 1613

Re: Home insurance up 40%, stay w/same company due to possible roof issues?

Bogleheads, Thank you for your past wisdom! We bought a townhouse last year. We had an independent agent shop for a policy, and got a good deal. This year, the policy (through AmGUARD/Berkshire Hathaway) increased 40% for unclear reasons. The independent agent is not currently available, but his co...
by crockpotinvesting
Sat Mar 28, 2020 8:46 pm
Forum: Investing - Theory, News & General
Topic: Positive news for bogle heads- active managers proving wrong again!
Replies: 1
Views: 499

Positive news for bogle heads- active managers proving wrong again!

I recall reading so many articles on how passive equity investors will get crushed during the next black swan event because they are overweight the mega caps ( amazon, Microsoft, Etc.) and this hasn’t happen in the past because passive investing wasn’t as popular in 2008 etc. Glad to say this has be...
by crockpotinvesting
Mon Mar 23, 2020 7:41 pm
Forum: Personal Investments
Topic: TLH
Replies: 2
Views: 201

TLH

I sold VOO for about $1k loss a few days ago and bought VTI. I waited until after the dividend was paid in VOO to avoid wash sale but I was just reading you can’t buy something for 30 days prior to selling for a loss if your specifying old lots. Is that correct? My dividend reinvestment was for mayb...
by crockpotinvesting
Sun Feb 23, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 7198

Re: Warren Buffet on renewable energy

I would love to hear Warren and Charlie talk more about this. It’s very interesting.
by crockpotinvesting
Sun Feb 23, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 7198

Re: Warren Buffet on renewable energy

I'm no energy expert, but as I understand it, the problem with wind and solar is the nighttime (no sun) and the calm days (no wind). Energy needs are far more constant than the sun and wind. So, the next challenge for the energy industry is to figure the best way to "store" or "save ...
by crockpotinvesting
Sun Feb 23, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 7198

Re: Warren Buffet on renewable energy

It sounds to good to be true...Warren mentioned in his annual newsletter he is able to keep the cost of electric extremely well due to their investment in wind turbines. It sounds like this utility company has renewable energy down to a science. My thoughts are: 1. Why aren’t all utilities followin...
by crockpotinvesting
Sun Feb 23, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet on renewable energy
Replies: 94
Views: 7198

Warren Buffet on renewable energy

It sounds to good to be true...Warren mentioned in his annual newsletter he is able to keep the cost of electric extremely well due to their investment in wind turbines. It sounds like this utility company has renewable energy down to a science. My thoughts are: 1. Why aren’t all utilities following...
by crockpotinvesting
Sun Feb 16, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: Visiting NYC with a family - logistics?
Replies: 29
Views: 2086

Re: Visiting NYC with a family - logistics?

1. Most likely flying into JFK as a family of 4 and want to spend 3 nights in Manhattan and then rent a car for the drive out to Central PA. We will have daughters ages 14 and 17 in tow so hotel rooms means most likely renting 2 rooms versus finding a 2-br AirB&B. I'm assuming the AirB&B rou...
by crockpotinvesting
Sat Feb 15, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: 12 x 5 bathroom remodel
Replies: 18
Views: 1822

12 x 5 bathroom remodel

My next goal is to remodel our 12 x 5 bathroom. We live in the northeast ( high labor cost). I don’t want to even speak with a contractor or architect until we have at least 50% of the money saved for the project. Any ballparks on how much you think it will cost? We aren’t changing the design of the...
by crockpotinvesting
Sat Feb 08, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Homeowners insurance inspection twice in 18 months
Replies: 3
Views: 836

Homeowners insurance inspection twice in 18 months

Hi- I moved into my home about 18 months ago and at the time the insurance company did an inspection. The house is a semi fixer upper so I assumed they would find some issues. They came back with a few things and I had them fixed and that was that...now 18 months later I got s call that they would l...
by crockpotinvesting
Sun Jan 26, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: Why do new issue bonds trade above par?
Replies: 7
Views: 576

Re: Why do new issue bonds trade above par?

But if that was the coupon needed to sell the bond it should trade at par. Aren’t you buying the yield not the coupon?
by crockpotinvesting
Sun Jan 26, 2020 7:26 am
Forum: Personal Finance (Not Investing)
Topic: What to do after we have our 6-12 month EF
Replies: 20
Views: 1513

Re: What to do after we have our 6-12 month EF

First off congarts. Not sure what your AA is but I treat income like coupon payments. I would review AA and if your comfortable increase equity allocation with the additional funds and use for future consumption.
by crockpotinvesting
Sun Jan 26, 2020 7:23 am
Forum: Investing - Theory, News & General
Topic: Why do new issue bonds trade above par?
Replies: 7
Views: 576

Why do new issue bonds trade above par?

Can someone please explain why new issue munis trade above par with a 5% coupon? It seems like most munis are currently issued with a 5% coupon and trade above par with about a 1-3% yield. At issue, where does the premium go? Why can’t the municipality offer lower coupons and the bonds trade closer ...
by crockpotinvesting
Tue Nov 05, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: The Shade Store -anyone use them or have recommendations
Replies: 12
Views: 1488

Re: The Shade Store -anyone use them or have recommendations

Diy. We got non motorised cellular blinds, and was shocked at the cost of the install. Like 4 holes per window - 6 for the big ones, and they just clip in place. Started looking in late winter, and settled on select blinds when they had a good discount. Ultimately paid half of the next lowest bid. ...
by crockpotinvesting
Mon Nov 04, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: The Shade Store -anyone use them or have recommendations
Replies: 12
Views: 1488

The Shade Store -anyone use them or have recommendations

We have a big window, about 120 inches that needs a blind. It’s awkward to get to so we are thinking of getting a motorized shade. We went to The Shade Store we were really impressed but as expected pricey :oops: we got a quote of about $3k plus $450 for installation. The price was about what I was ...
by crockpotinvesting
Mon Oct 21, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Separate insurance plans for husband and wife
Replies: 6
Views: 634

Separate insurance plans for husband and wife

It’s that time of year again...we added a baby to our family this year. For some reason employee plus kids is much cheaper than employee/spouse/kids. Wife and I are thinking about doing employee/ child under my insurance and dw getting her own medical insurance from her employer. We ran the numbers ...
by crockpotinvesting
Thu Oct 17, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Can I delay 2019 medical bills and pay with 2020 fsa
Replies: 2
Views: 385

Can I delay 2019 medical bills and pay with 2020 fsa

Hi all,

I used all my fsa money this year. I have a few thousand in medical bills left from child birth in 2019. Can I delay payment and use my 2020 flex spending account to Dover these bills? Typically, my fsa provide asks for statements when I submit a claim.
by crockpotinvesting
Mon Sep 30, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA instead of 529 plan
Replies: 54
Views: 3115

Roth IRA instead of 529 plan

Hi all, I was reading that Roth IRAs could be a better alternative to 529 plans. The reasoning was that you have more flexibility with a Roth and it offers that same tax advantages as a 529 plan. I was thinking I could fund a traditional then do a Roth conversion. In 18 years if I can financially af...
by crockpotinvesting
Thu Jul 18, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: If you own a sportfishing boat...when did you pull the trigger?
Replies: 18
Views: 2090

Re: If you own a sportfishing boat...when did you pull the trigger?

I was curious to know if any boggleheads ( this is the most unbogglehead thing to do :sharebeer ) are into sport fishing, $100k-$2,000,000 boat. Thousands and thousands of dollars in equipment to chase tuna, shark, marlin, etc. When did you feel like you were finaiclly ready to pull the trigger on ...
by crockpotinvesting
Thu Jul 18, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: If you own a sportfishing boat...when did you pull the trigger?
Replies: 18
Views: 2090

If you own a sportfishing boat...when did you pull the trigger?

I was curious to know if any boggleheads ( this is the most unbogglehead thing to do :sharebeer ) are into sport fishing, $100k-$2,000,000 boat. Thousands and thousands of dollars in equipment to chase tuna, shark, marlin, etc. When did you feel like you were finaiclly ready to pull the trigger on a...
by crockpotinvesting
Mon Jul 15, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 15936

Re: House not appraising for amount we were offered!

There is no better way to value a home than what another party is willing to pay for it. Poor appraisal. You should be fine once you get a second opinion. Hopefully the low appraisal doesn’t scare away the buyers original offer. It’s like an equity analyst, it’s there opinion on the price target but...
by crockpotinvesting
Sun Jul 07, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Small Windfall + Baby On the Way
Replies: 9
Views: 1134

Re: Small Windfall + Baby On the Way

If you don’t mind me asking. What credit union is offering that low of a refi rate? I’d like to reach out and see if I can get the same rate.
by crockpotinvesting
Tue Jul 02, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Change withholding allowance?
Replies: 5
Views: 633

Re: Change withholding allowance?

The child will give you a $2000 tax credit. No to medical deduction, unless you use an FSA or HSA. Are the mortgage and tax deductions new for 2019? How much charity or other deductible expenses? We bought a house last summer so we only captured half a years mortgage and tax deductions so it was le...
by crockpotinvesting
Tue Jul 02, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Change withholding allowance?
Replies: 5
Views: 633

Change withholding allowance?

Wife and I had our first baby. I added the baby to my health insurance policy today and it recommended I update my withholding allowance ( mine is currently 1/ DW currently does 1). We are both employed with a combined income of around $225k. In 2018 we owed about $4k in federal tax and filed with t...
by crockpotinvesting
Sat Jun 15, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 4458

Re: Mosquitos

I HATE mosquitos. I feel like they can ruin a relaxing night on the deck. I’ve tried everything and learned the best solution is getting a massive floor fan from Home Depot. It’s a bit loud and some guests find it annoying but no misquotes! It’s like sitting on your deck during a sunny hurricane haha.
by crockpotinvesting
Sat Jun 08, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer credit card debt between spouses
Replies: 1
Views: 405

Transfer credit card debt between spouses

Hi all,

I play the 0% interest credit card game when making purchases. I was wondering if I have debt in my name on a credit card, can my spouse open an account and do a balance transfer to from my card to my spouses card? Has anyone ever done this?

Thanks.
by crockpotinvesting
Thu May 23, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1665

Best bassinet

Hi all. Baby coming in the next couple of weeks. Allot of news on bassinets in the news with recalls etc. I wanted to get the boggleheads opinion on the best bassinet. In terms of safety, Quality, and maybe the baby the most happy ( or parents less sleep deprived :happy )
by crockpotinvesting
Tue May 14, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 7889

Re: Chrome or Brushed Nickel

We’ve been doing allot of work on our house and have been doing everything in brush nickel. Seems to be why’s popular these days but at the end of the day whatever makes you happy.
by crockpotinvesting
Mon May 13, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car off lease before lease expires
Replies: 10
Views: 1215

Re: Buy car off lease before lease expires

Somewhat recent experience - when I got near the end of my lease about a year ago, the payoff was looking a little higher than the bluebook for the same car. But then the leasing company offered me a $4000 discount on the payoff, which made it worthwhile to keep the car. I don't know if that occurs...
by crockpotinvesting
Sun May 12, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car off lease before lease expires
Replies: 10
Views: 1215

Buy car off lease before lease expires

I was wondering if anyone has every bought their car off the lease before their lease expired. I currently have about 18 months left on a lease and my plan was always to buy the car and not have to lease/buy a new car. I plan on having the car for a minimum of 10 years. I received an offer from my b...
by crockpotinvesting
Sat Apr 27, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Metal roof- anyone switch from asphalt to metal?
Replies: 12
Views: 1711

Re: Metal roof- anyone switch from asphalt to metal?

We switched out our black (hot attic in summer) asphalt shingles after a hail storm claim helped fund. We went with steel shingles not the long sheets. Since we have a 7/12 pitch I also added a gutter helmet type of covering on our gutters as my days on the roof have come to a close since the steel...
by crockpotinvesting
Sat Apr 27, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Metal roof- anyone switch from asphalt to metal?
Replies: 12
Views: 1711

Re: Metal roof- anyone switch from asphalt to metal?

2 yrs ago I was seriously thinking about metal roof, then my insurance agent talked me out of it due to the higher premiums for ins. Apparently firefighters have a much harder time putting out a fire with a metal roof. So I roofed with asphalt shingle again. Did you get quotes on the difference in ...
by crockpotinvesting
Sat Apr 27, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Metal roof- anyone switch from asphalt to metal?
Replies: 12
Views: 1711

Metal roof- anyone switch from asphalt to metal?

When I get my next roof ( probably 1-3 years) I was thinking of getting a metal roof. I’ve always liked the look on certain homes especially with the things that break up snow and ice on them. I’ve read most positive things except for noise during rain storms. Curious to hear if any boggleheads swit...
by crockpotinvesting
Mon Apr 15, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing within corporation
Replies: 3
Views: 623

Interviewing within corporation

I’m currently interviewing within my company for a position change which should turn into a raise. I currently work from about 9-5 and this new position is probably going to be more like a 9-6 work day. I’m not sure what the raise will be but I’m guessing at most around $10k (based on what others ha...
by crockpotinvesting
Tue Apr 09, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 6080

Re: $20k day care...how is it taxed?

I appreciate everyone’s response. I think the conclusion is that one of the most educated forums on the internet ( in my opine) is confused when it comes to this issue. Must be awful for the average family to try and figure out.
by crockpotinvesting
Mon Apr 08, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 6080

Re: $20k day care...how is it taxed?

Is anyone else offered the fsa plan for childcare at work? I don’t understand the reason for it if it’s not a deductible expense. A Flexible Spending Account (FSA) lets employees take home a larger paycheck by reducing their taxable income. Employees enrolled contribute tax-free dollars into an acc...
by crockpotinvesting
Mon Apr 08, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 6080

Re: $20k day care...how is it taxed?

Is anyone else offered the fsa plan for childcare at work? I don’t understand the reason for it if it’s not a deductible expense.
by crockpotinvesting
Mon Apr 08, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 6080

$20k day care...how is it taxed?

Hi, We have our first little one on the way. I live in a HCOL area and it seems like day care is going to be around $20-24k a year. My company offers FSA account for childcare with a maximum contribution of $5k per year. I’m assuming that is the irs maximum allowed. Can I deduct the other $15k on my...
by crockpotinvesting
Wed Apr 03, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Less than year into 30 year mortgage...refi?
Replies: 10
Views: 1015

Re: Less than year into 30 year mortgage...refi?

I appreciate everyone’s input. I’m going to forget about switching to a 15 year and focus on increasing our contributions. Maybe I’ll circle back when we are maxing out 401ks.

As always, thanks for your notes.
by crockpotinvesting
Wed Apr 03, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Less than year into 30 year mortgage...refi?
Replies: 10
Views: 1015

Re: Less than year into 30 year mortgage...refi?

Two income household. My thought was getting rid of the mortgage would allow us to save a very high rate of our income in 15 years. I know we’re low on our retirement savings rate. We’re trying to improve that. BTW. Both 30 years old.
by crockpotinvesting
Wed Apr 03, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Less than year into 30 year mortgage...refi?
Replies: 10
Views: 1015

Re: Less than year into 30 year mortgage...refi?

We wouldn’t be decreasing but we wouldn’t be increasing our savings rate as we get raises until we cover the $10k increase. Right now we’re saving about $30k ( including company matches) for retirement on $190k base and $35k in bonus money. Our goal is to increase this rate as we receive raises unti...
by crockpotinvesting
Wed Apr 03, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Less than year into 30 year mortgage...refi?
Replies: 10
Views: 1015

Less than year into 30 year mortgage...refi?

Currently in a 30 fixed year mortgage at 4.25%. Have about $400k outstanding on the loan. Do you think it makes sense to refi into a 15 year @ 3.125? We should have fairly good income growth in the next few years and we plan on staying in the home long term. Unless, our income increases dramatically...
by crockpotinvesting
Mon Mar 25, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Increase homeowners insurance deductible?
Replies: 22
Views: 1990

Increase homeowners insurance deductible?

Hi, My current homeowners policy premium is about $2,000 per year with a $2,500 deductible. I’m a fairly new homeowner but can’t think of very many scenarios where I would be submitting a claim for less than $2,500. I was wondering how many increase their deductible to say $5@ and self insure anythi...
by crockpotinvesting
Fri Mar 01, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Chartered financial analyst
Replies: 4
Views: 561

Chartered financial analyst

I was curious how many boggleheads are chartered finanscial analys, what they do what their designation and if they believe it has positively impacted their career and if/or it has impacted their personal investment discition making process.
by crockpotinvesting
Sat Feb 23, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Index home improvement savings
Replies: 1
Views: 349

Index home improvement savings

First off I want to be clear this this is not maintenance money. For example, new roof, cesspool, etc. we have that tucked away in a money market savings account. I was curious if anyone invests money for short term home improvement goals. For example, we eventually want to reside and landscape our ...
by crockpotinvesting
Thu Feb 21, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do tax accountants add any value?
Replies: 50
Views: 4118

Re: Do tax accountants add any value?

Ive always done my taxes myself via turbo tax. I’m by no means a tax guru but my tax situation is fairly simple and I enjoyed doing them myself. 2018 some changes took place, bought a house mid year. SALT and interest on mortgage is about below the standard deduction of 24k. I have some student loa...
by crockpotinvesting
Thu Feb 21, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Do tax accountants add any value?
Replies: 50
Views: 4118

Re: Do tax accountants add any value?

Besides some dividend income/and a few trades ( im young so my taxable portfolio is still relatively small) I’m 99% w2 income.
by crockpotinvesting
Thu Feb 21, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Do tax accountants add any value?
Replies: 50
Views: 4118

Do tax accountants add any value?

Ive always done my taxes myself via turbo tax. I’m by no means a tax guru but my tax situation is fairly simple and I enjoyed doing them myself. 2018 some changes took place, bought a house mid year. SALT and interest on mortgage is about below the standard deduction of 24k. I have some student loan...
by crockpotinvesting
Tue Feb 12, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: 3-5 year bond fund. How? simplify this for me.
Replies: 1
Views: 373

3-5 year bond fund. How? simplify this for me.

Can someone please simplify this for me. Let’s use a 3-5 year maturity corporate bond mutual fund as an example. Do these funds actively trade to keep their duration to the 3-5 year maturity. For example, buy bonds maturing in 5 years and sell them when they are 3 years from maturity. Or is the aver...
by crockpotinvesting
Fri Jan 04, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does a PMI in lieu of 20% down ever make sense?
Replies: 48
Views: 3569

Re: Does a PMI in lieu of 20% down ever make sense?

I understand the expense of buying a home in the northeast. I semi wish I did this so I’m going to recommend it to you. If you buy a fix uppper below your budget I would think about putting 10% down and paying PMI then use the other 10% that you would have put down to fix up the house. Then you can ...