Search found 296 matches

by snowox
Tue Nov 26, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Selling house after making improvements :-(
Replies: 19
Views: 2272

Re: Selling house after making improvements :-(

I am going through a similar situation as I put about 100k into our house over the last 4 years and fortunately the market has come up quite a bit where we live and am going to lose about 30k as well. The flip side is were moving into a much better situation a home on a lake we have wanted to do for...
by snowox
Mon Nov 18, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 3886

Re: Toyota Highlander vs Subaru Ascent--Advice

Have a 2012 Highlander and to date the best vehicle I have ever owned. And I have owned a bunch. This one I am going to keep till it goes to the graveyard. Dependable, love that I cant pull stuff with it, configuration is perfect and feel like driving something a little more solid. Be my choice again
by snowox
Sat Nov 16, 2019 6:01 am
Forum: Personal Investments
Topic: What is YOUR formula in determining whether you're FI? And what did you do after you reach FI?
Replies: 25
Views: 2778

Re: What is YOUR formula in determining whether you're FI? And what did you do after you reach FI?

For me/us I really took note of our expenses for 2 years. Took that x 110% x's till my DW lived to 100 based on multiple calculators not including SS or my paid for homes worth. In addition after firing I took a side gig that I enjoy working 20-25 hours a week and my DW is working a gig she negotiat...
by snowox
Sat Nov 16, 2019 5:40 am
Forum: Personal Investments
Topic: Winning the Game - Reducing Risk
Replies: 51
Views: 7731

Re: Winning the Game - Reducing Risk

vipertom1970 wrote:
Thu Nov 14, 2019 1:04 pm
I won the game, age 50 but still in 60/40 allocation.

Exactly the same for me!
by snowox
Sat Nov 16, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: TV Speakers/sound bar/bose wave
Replies: 20
Views: 1794

Re: TV Speakers/sound bar/bose wave

Summit111 wrote:
Sat Nov 16, 2019 12:23 am
Sonos Playbar and Sub...then call it a day...

Summit

+1
by snowox
Sat Nov 16, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7390

Re: What are the best jobs to downshift into?

I was offered a job at a golf course but wasnt worth the money to me for the time. I found working for a guy I know as much or little I wanted to in the construction industry was the best. Good money and I never work more than 25 Hours a week. He understands I am Fire'd just looking for extra bucks ...
by snowox
Sat Nov 16, 2019 5:00 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 12953

Re: Best thing you have ever bought?

Best thing We ever bought was our Cabin in the North woods. Had it for 18 years and sold it about 4 years ago and miss it everyday. So we just bought a house on a lake that has the up-north feel 10 minutes from where we live hoping to bring some of that back into our lives, but so far the buying asp...
by snowox
Thu Nov 14, 2019 4:22 am
Forum: Personal Finance (Not Investing)
Topic: 250k Live off of or put in Index funds
Replies: 3
Views: 962

Re: 250k Live off of or put in Index funds

With the current low yield of bonds, I now hold two years of expenses in Vanguard Prime Money Market and the remainder in Bonds (a mix of short term and intermediate term). So I would have no problem leaving 3 years expenses in money market or putting a portion of the money back into bonds. There p...
by snowox
Wed Nov 13, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: 250k Live off of or put in Index funds
Replies: 3
Views: 962

250k Live off of or put in Index funds

Long and short of it. The wife and I bought our retirement home which is about double of our current paid for home and we paid cash for the new home. Our living expenses will be the same however so basically a larger % of our overall portfolio is just changed in the percentage of the paid for house ...
by snowox
Wed Nov 06, 2019 4:57 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 342
Views: 24901

Re: Will we be OK at 3% WR?

What's your opinion...Are we sacrificing lifestyle enjoyment for paranoia, or a just a sense of safety? As you are asking for opinions...2.2% is "extreme paranoia" while 3.0% is "excessively (perhaps even ridiculously) conservative." One can play "but what if...?" games from 4% all the way down to ...
by snowox
Thu Oct 31, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes from the hip in cheesehead state
Replies: 5
Views: 728

Re: Estimated taxes from the hip in cheesehead state

ok , thank you very much! was a big big help!!
by snowox
Thu Oct 31, 2019 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes from the hip in cheesehead state
Replies: 5
Views: 728

Re: Estimated taxes from the hip in cheesehead state

This is awesome. Thanks much. Do I plug the 88k in the long term capital gains? as I am assuming that is what they are being in Vanguard for well over a year and closer to 4. Also where would you plug in the 4k Donation to the High School? Thanks again updated - I figured it out i think and added th...
by snowox
Wed Oct 30, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes from the hip in cheesehead state
Replies: 5
Views: 728

Estimated taxes from the hip in cheesehead state

Do to a large purchase I am just looking for a guestimate of what one would think roughly taxes would be on these numbers for Married filing jointly in Wisconsin. Again I am not going to even think of holding anyone to this but I tried doing myself and just not good at it. So on Vanguard it is showi...
by snowox
Thu Oct 17, 2019 4:45 am
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1541

Re: How do I store a boat this winter?

I have mine winterized, Shrink wrapped and stored outside. They change the oil as well. You could easily as other said winterize it yourself and buy a good cover. I would suggest taking a couple cans and filling them with charcoal and placing them in the boat as well as this will cut back on getting...
by snowox
Fri Oct 11, 2019 4:11 am
Forum: Investing - Theory, News & General
Topic: 529 and FIRE
Replies: 29
Views: 3338

Re: 529 and FIRE

Even if you have no income, if you have $3M in assets your kids won't get financial aid. Try and see with one of the financial aid calculators out there. Depending on what you mean for financial aid this simply is not true. We are over that mark and my Son had received FAFSA every year. There is mo...
by snowox
Fri Oct 11, 2019 3:59 am
Forum: Personal Finance (Not Investing)
Topic: GE Pension Buyout
Replies: 85
Views: 12316

Re: GE Pension Buyout

Take the money and run. GE is so messed up there is no way I would trust to get anything from them at a later date.
by snowox
Sun Oct 06, 2019 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Can retirees (low income, high net worth) qualify for AmEx (or other CCs)?
Replies: 5
Views: 1055

Re: Can retirees (low income, high net worth) qualify for AmEx (or other CCs)?

I have been retired for almost 5 years in my mid 50's now and apply for about 6 cards a year along with my wife. I always put the new card on auto-pay so I get the rewards and also get alot of business cards because they pay out the most. I simply put down what I expect to earn, you can use your ss#...
by snowox
Tue Oct 01, 2019 5:41 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 10008

Re: Retirees - do you hold extra cash for a bear market?

I retired about 4.5 years ago and Keep 2 Years in VMMXX and a third year in a CD which in all accounts for about 10% of my portfolio.
by snowox
Fri Sep 20, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11415

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

Always take the high road....Give the two weeks notice
by snowox
Mon Aug 05, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1997

Re: Pontoon Boat Recommendations?

I've owned several Harris pontoons over the years and have had nothing but great experiences with them. I currently have switched to a Tahoe Deck boat for various reasons but I would for sure go back to Harris 27' with a 150 Merc.
by snowox
Thu Aug 01, 2019 5:41 am
Forum: Personal Finance (Not Investing)
Topic: HSA match not showing on pay stub
Replies: 16
Views: 801

Re: HSA match not showing on pay stub

Great question to ask your HR department. My HR department are a bunch of idiots and I'd rather not deal with them again, thanks. Idiots or not if you want the answer and if it were my money I would be going in there and finding out as thats the only way your going to get your answer. They're locat...
by snowox
Thu Aug 01, 2019 5:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard Adviser Services
Replies: 11
Views: 1324

Re: Vanguard Adviser Services

I have used an adviser for years and requested one that has been around awhile. For me its worth it to have someone to discuss things with and he never says to me "You should" but does in most cases give me options and or tells me the implications good or bad of what i am thinking. Whatever helps yo...
by snowox
Thu Aug 01, 2019 5:07 am
Forum: Personal Finance (Not Investing)
Topic: HSA match not showing on pay stub
Replies: 16
Views: 801

Re: HSA match not showing on pay stub

TaxingAccount wrote:
Thu Aug 01, 2019 4:27 am
Jags4186 wrote:
Thu Aug 01, 2019 4:14 am
Great question to ask your HR department.
My HR department are a bunch of idiots and I'd rather not deal with them again, thanks.

Idiots or not if you want the answer and if it were my money I would be going in there and finding out as thats the only way your going to get your answer.
by snowox
Fri Jun 14, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Anyone tried out these price drop apps
Replies: 1
Views: 379

Re: Anyone tried out these price drop apps

Never heard of either! sorry
by snowox
Fri Jun 14, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3840

Re: Buy Mini-Van Tomorrow or No?

Stay away from Chrysler/Dodge. I agree with getting a Toyota or Honda. There is just no comparison and will last alot longer
by snowox
Tue Jun 11, 2019 4:59 am
Forum: Personal Consumer Issues
Topic: College Credits to stay on Parents Health Insurance
Replies: 17
Views: 1464

Re: College Credits to stay on Parents Health Insurance

Im just going to call are provider to make sure. Thanks. Were in Wisconsin if anyone is from there and already knows,
by snowox
Sun Jun 09, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: College Credits to stay on Parents Health Insurance
Replies: 17
Views: 1464

Re: College Credits to stay on Parents Health Insurance

Wow, Thanks everyone for the answers. I was googling as well and I dont see anywhere it being state specific which to me would make the most sense being a federal program/law by ACA
by snowox
Sun Jun 09, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: College Credits to stay on Parents Health Insurance
Replies: 17
Views: 1464

College Credits to stay on Parents Health Insurance

I am curious if anyone knows how many credits a person needs to remain on Health Insurance. To be more detailed my Son is 20 and will be starting his Junior year. He transferred schools and has landed a pretty good job but we both agree his priority should be to finish school at a pace he can handle...
by snowox
Mon May 06, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4764

Re: Bathroom Remodel - Looking for Advice

Start here https://www.houzz.com/photos/bath-ideas-phbr0-bp~t_711 I just re-did my bathroom /total gut job and used Houzz for alot of my designing and then shopped around. I ended up buying the bathroom vanity, faucets, granite counter top and mirror though through Houzz as it was the best deal. Jus...
by snowox
Mon May 06, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: College Academic Scholarships?
Replies: 30
Views: 2052

Re: College Academic Scholarships?

JUST SAY NO! Show me at community college that you are going to do what you say you are and will help you at the State school you want to attend. There is no shame in that!
by snowox
Mon May 06, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: [Sell my home and rent somewhere else?]
Replies: 4
Views: 650

Re: [Sell my home and rent somewhere else?]

Anyone have a formula or idea/suggestions?
by snowox
Sat May 04, 2019 5:31 am
Forum: Personal Consumer Issues
Topic: Can anyone give me a ball park estimate on this roof repair?
Replies: 19
Views: 2354

Re: Can anyone give me a ball park estimate on this roof repair (pictures included)?

Normally 60-80$ but right now the way the housing boom is going unless you get some guy that cant find work which I would be Leary about I'd budget 350$ Or know one descent is going to waste their time. Just had this conversation yesterday with a roofing/siding guy that's been doing it for 40 years....
by snowox
Sat May 04, 2019 5:24 am
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 6594

Re: Berkshire buying stake in Amazon - my opinion

I don't buy individual stocks nor claim to be a stock picker BUT I would wager while Amazon is inflated like the rest of the market and will have its downside the company is just getting started and would bet its going to be a long term winner. Tesla is great for traders but I just cant get behind i...
by snowox
Sat May 04, 2019 4:19 am
Forum: Personal Investments
Topic: Should I Continue Using Vanguard Personal Service Advisor?
Replies: 10
Views: 1604

Re: Should I Continue Using Vanguard Personal Service Advisor?

I would agree that in your case I would consider just putting your money in a target dated fund and forget it. I personally didnt do that and still use a PAS but I was much older when I started In my 40's and retired at 50 so still use my PSA but always have questions and ideas to run past him from ...
by snowox
Sat May 04, 2019 3:58 am
Forum: Personal Finance (Not Investing)
Topic: [Sell my home and rent somewhere else?]
Replies: 4
Views: 650

Re: [Sell my home and rent somewhere else?]

cheese_breath wrote:
Fri May 03, 2019 7:39 pm
snowox wrote:
Fri May 03, 2019 5:37 am
Right now after expenses of a realtor etc.. I would walk away conservatively with 300k a month.
And how many months would that be for? One?
Haha........ Thanks for pointing that out! Would that of been nice! lol
by snowox
Fri May 03, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Rotational Program at MegaCorp for college grad hires
Replies: 40
Views: 2691

Re: Rotational Program at MegaCorp for college grad hires

Never worry about what other people make. Worry only about what you make and your potential to make. Otherwise you will never be happy. I hired people all the time for the same position at various differences in wages for various reasons. Thats the real world
by snowox
Fri May 03, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Countdown - sanity check
Replies: 19
Views: 2963

Re: Retirement Countdown - sanity check

Good Luck on your decision , I think your good to go though now.
by snowox
Fri May 03, 2019 5:37 am
Forum: Personal Finance (Not Investing)
Topic: [Sell my home and rent somewhere else?]
Replies: 4
Views: 650

[Sell my home and rent somewhere else?]

[split from Subject: Renting vs owning - moderator prudent] To flip this once as I am 55 and retired and DW is 50 and still working I am struggling with this Renting vs Owning still. My house is paid for I bought it with cash but it costs me 1675$ a month for Utilities , Taxes, Insurance (1175) and...
by snowox
Sat Apr 27, 2019 7:05 am
Forum: Personal Investments
Topic: 2,000,000. Now what?
Replies: 45
Views: 9791

Re: 2,000,000. Now what?

If your getting 9k a month in Royalties per month have 2 million in the bank and 4 Rentals The only question I would have is how long do you get the royalties for? If 5 or 10 years than retirement is a no brainier in my book BUT I'd forget the Financial Adviser route and stick with what you already ...
by snowox
Sun Apr 21, 2019 5:58 am
Forum: Personal Investments
Topic: Am I supposed to start backdoor Conversation now?
Replies: 11
Views: 1391

Re: Am I supposed to start backdoor Conversation now?

Thanks all so far for your feed back. Definitely somethings I need to figure through and perhaps can start asking some questions with the adviser at Vanguard.
by snowox
Sat Apr 20, 2019 7:10 am
Forum: Personal Investments
Topic: Am I supposed to start backdoor Conversation now?
Replies: 11
Views: 1391

Re: Am I supposed to start backdoor Conversation now?

So to go into a bit more depth and perhaps then you can provide the insight of what you would suggest here are the closer numbers- We have the following in managed/Self Managed Vanguard Index funds by an adviser at Vanguard there we set up with with a 60/40 allocation. Currently we have. This is how...
by snowox
Fri Apr 19, 2019 6:48 am
Forum: Personal Investments
Topic: Am I supposed to start backdoor Conversation now?
Replies: 11
Views: 1391

Re: Am I supposed to start backdoor Conversation now?

Are you referring to the fact that you can't withdraw EARNINGS in a Roth for 5 years? What tax bracket are you in now? Where is the other 75% of your money? Need a lot more info here. Why are you investing in 529s? For grandkids? Does your wife's 401k offer ROTH investments? With low pay there is n...
by snowox
Fri Apr 19, 2019 5:27 am
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 77
Views: 5539

Re: When did you start spending more and saving less?

Like others stated, When we retired.
by snowox
Fri Apr 19, 2019 4:57 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 10139

Re: Thinking about selling stocks near all time highs

I'm retired and usually take a monthly withdrawal BUT with the market run up I have been taking it out more now and if it drops will withdraw less later. If you need the money or want to build up a little dry powder for a sell off why not. Just have a well thought out plan and stick with it
by snowox
Fri Apr 19, 2019 4:43 am
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 2056

Re: Is it worth renting a car in Vegas?

I have taken my kids to Vegas for years and have stayed on and off the strip and it was for there sporting events. Yes I would rent a car you can easily find hotels you dont have to pay for parking and or if you stay on the strip can easily exit your parking without going on the strip. Secondly as o...
by snowox
Fri Apr 19, 2019 4:35 am
Forum: Personal Investments
Topic: Am I supposed to start backdoor Conversation now?
Replies: 11
Views: 1391

Am I supposed to start backdoor Conversation now?

I am retired 4 years now and My wife went back to work 2 years ago because she wanted to because she got nervous with healthcare etc..and she loves her job So happy wife happy life so we basically switched rolls. Anyhow, we were not very smart coming up over the years with hammering away money every...
by snowox
Fri Apr 19, 2019 4:20 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 3818

Re: College admission inputs - Purdue vs local SJSU vs others

#Boilerup! My daughter goes to Purdue out of State but fortunately a full ride athlete. Having said that and getting about 25 offers before we just said enough is enough we couldn't be happier with the school, campus , safety and so on. Purdue has it going on and While a lot of good schools in the B...
by snowox
Wed Apr 03, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: How will you spend your retirement money?
Replies: 86
Views: 10540

Re: How will you spend your retirement money?

I retired 4 years ago at 50. 2 in college and 2 still at home so we still watch what we spend but live the same life we did before we retired with a bit less stress. Workout everyday or at least 6 days a week for a couple hours. I bought a new boat last summer so get out with the 2 that are home on...
by snowox
Sun Mar 31, 2019 6:44 am
Forum: Personal Investments
Topic: Saved over 80k, should I look for a Savings or MMA?
Replies: 15
Views: 2298

Re: Saved over 50k, should I look for a Savings or MMA?

You say Saved over 50k but then say 80-90k thats a bit deceiving in itself. If you dont need the whole amount put what you think you might need in one of the the higher interest savings account you mentioned and the rest in a over 3% plus CD for a year to 18 months. There is plenty out there. First ...
by snowox
Sun Mar 31, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: Are 2004 Ford Rangers Reliable?
Replies: 20
Views: 1522

Re: Are 2004 Ford Rangers Reliable?

Like many have said it really depends how its been maintained and what kind of shape its in. For only 2k if its something your really interested in spend a few bucks and take it to someone you trust to go through it. If it lasts you another 50k miles whats a few hundred extra bucks to save you thous...