Search found 2911 matches

by Triple digit golfer
Mon Aug 27, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage and asset allocation
Replies: 8
Views: 641

Re: Mortgage and asset allocation

Thank you all for your input.
by Triple digit golfer
Sun Aug 26, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage and asset allocation
Replies: 8
Views: 641

Re: Mortgage and asset allocation

Klang, It was more of a hypothetical question. I am considering putting some money toward the mortgage since equities being high makes me want to scale back equity allocation a bit. I know, don't time the market, it may be at it's lowest point right now, it could double in ten years...as our net wor...
by Triple digit golfer
Sun Aug 26, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage and asset allocation
Replies: 8
Views: 641

Mortgage and asset allocation

I apologize if this should be in the personal finance section. Just a general theoretical question here that I am struggling with. We desire to be at 75% equities and 25% bonds/cash. How should we factor in home equity? We have $505k in equities and $160k in bonds/cash, more or less, or about 75/25....
by Triple digit golfer
Tue Jun 19, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9388

Re: Which Supermarket are you?

Walmart for everything, almost all of the time. An occasional trip to Jewel for something that Walmart does not have.
by Triple digit golfer
Mon Jun 18, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2544

Re: Learning how to fix/repair things

Thank you everybody. Some good advice here. I have bookmarked the forums that you all recommended and will check those out and pose some questions on specific projects when the time comes.

lthenderson - yes, the shower has grout between the shower floor and first tile. It should be caulked.
by Triple digit golfer
Wed Jun 13, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2544

Learning how to fix/repair things

I am a relatively new homeowner and very inexperienced with fixing things around the house and how things work. It's not that I'm not capable, I just don't know where to begin on a lot of things. I've had my dad and father-in-law help me with various things and once I know what I'm doing, I am perfe...
by Triple digit golfer
Sun Jun 03, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 2109

Re: Tool board for basement - plywood or pegboard?

Thank you ALL very much for your posts. After the overwhelming response in favor of pegboard, I am going to go with it. For a 4' tall by 8' wide piece, I'm going to try three 8' long pieces of 1x2 going horizontally for the backing. I'm not going to worry about vertical supports. We'll see how it tu...
by Triple digit golfer
Sun Jun 03, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 2109

Re: Tool board for basement - plywood or pegboard?

Strips either way works. I've got pegboard in my garage and in my basement and it's the best thing since sliced bread. Paint it white as it brightens the room without adding lights. Do you think vertical strips are necessary for the edges? I'd like to not have to line up the left and right edges pe...
by Triple digit golfer
Sun Jun 03, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 2109

Re: Tool board for basement - plywood or pegboard?

I'd go with pegboard. There are lots of different variations of tool holders available to fit the pegboard, and they're not that expensive. It also allows you to move the holders around a bit as you learn how you use it - ie, may want to move more commonly used tools lower and easier to access, may...
by Triple digit golfer
Sun Jun 03, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 2109

Tool board for basement - plywood or pegboard?

I would like to build a 4' x 8' board for one wall (drywall) of my basement to hang all of my tools. Currently they're in drawers in a work bench or just piled up on shelves. I am debating between 3/4" plywood or a pegboard. I know that for a pegboard, I would need furring behind it to draw it away ...
by Triple digit golfer
Sun Jun 03, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 744

Re: Insurance rates increasing?

Guess it's not just me then. I'm in Illinois. I switched homeowners policies to a different company. Saved $97 annually over the new price of the old company, but still spending $47 more than I was before. I also now get a 3% discount on auto with them as well which will be around $20 a year. So, te...
by Triple digit golfer
Fri Jun 01, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 744

Insurance rates increasing?

Is it just me, or is anybody else seeing large insurance premium increases?

My homeowners' rate increased 22%.
Umbrella policy increased 21%.

When I ask the insurance companies for the reasoning or justification, all they tell me is that the underwriter said there are increases across the board.
by Triple digit golfer
Wed May 30, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

I've installed several roofs myself (rent houses) with ridge vents. While unsightly, I do not see any reason for the vent not to function properly. It appears the fasteners were overdriven. I would think it an easy fix for the roofer. I am not sure why they would not address it. On second look of t...
by Triple digit golfer
Tue May 29, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

I checked with the city. No inspection required for residential or commercial re-roofing.
by Triple digit golfer
Tue May 29, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

I am considering having an inspection done after they "correct" the ridge vent. Would you all recommend another roofing contractor or a general home inspector? Most places in the US you are supposed to get a permit which then involves the county inspector coming around a couple times. No inspector ...
by Triple digit golfer
Tue May 29, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

rustymutt wrote:
Tue May 29, 2018 2:51 pm
No, I see exposed nails. Do not pay them for that work.
I don't see the nails. Where do you see them?
by Triple digit golfer
Tue May 29, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

I am considering having an inspection done after they "correct" the ridge vent. Would you all recommend another roofing contractor or a general home inspector?
by Triple digit golfer
Tue May 29, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

To answer a couple questions: Yes, they did cut out a vent in the plywood sheets. I can see it from the attic, a few inches on each side of the peak. The job included a permit. This was a full tear down roof to the underlayment. UPDATE: I just spoke with the owner of the company. He said it "looks l...
by Triple digit golfer
Tue May 29, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

You've all confirmed what I knew already.

This should be fun. They've already inspected it and say it is right. They say it will not leak and that if it hasn't leaked with our spring rains, then I'm fine.

But it's not even straight! Why is this even a debate? Oh yeah. $$$$$
by Triple digit golfer
Tue May 29, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

Re: New roof - does this ridge vent look right?

I'm not familiar with that type of ridge roof venting but it looks to me as if someone stepped on it. It may still function correctly and may have been installed right but it certainly looks ugly. I would probably threaten to file a claim with the state Better Business Bureau if they didn't make it...
by Triple digit golfer
Tue May 29, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3869

New roof - does this ridge vent look right?

Hi all. I had a new roof put on my house last month and I have some major concerns on the ridge vent. I know very little about roofing and less about ridge vents, but it does not look right to me. I would think, but am not sure, that the vent would be flush with the roof all the way across and now b...
by Triple digit golfer
Sat Mar 17, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning/will for my wife and me
Replies: 21
Views: 2804

Re: Estate planning/will for my wife and me

I am trying to set my secondary beneficiary as the trust that would be created if both my wife and I died, and I am having some difficulty and getting confused. At Vanguard, the beneficiary options are: -Spouse -Individual -Trust -Charity -My estate I assume that I would select trust and not my esta...
by Triple digit golfer
Tue Mar 13, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning/will for my wife and me
Replies: 21
Views: 2804

Re: Estate planning/will for my wife and me

I am not an estate attorney, so keep that in mind. But in our wills, the secondary beneficiaries on our accounts are not our kids but the testamentary trusts that benefit them. Maybe that it what you mean? If you want the life insurance to benefit your daughter, then the proceeds should go to her i...
by Triple digit golfer
Tue Mar 13, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning/will for my wife and me
Replies: 21
Views: 2804

Re: Estate planning/will for my wife and me

OP here. I spoke with a lawyer who recommended a will with a testamentary trust. If I die, my wife gets everything. If she dies, I get everything. If we both die, our child gets everything. We named a guardian for our daughter. That person is also the trustee of our estate who will manage the money ...
by Triple digit golfer
Wed Feb 28, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning/will for my wife and me
Replies: 21
Views: 2804

Estate planning/will for my wife and me

Hi all. I know very little about wills and estate planning and am a bit overwhelmed by what is needed and what is not. Google searches and searches on this forum are only seeming to add to my confusion. Here is our situation: Both 33 years old I work a steady corporate job, wife stays at home with o...
by Triple digit golfer
Thu Jan 04, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 67
Views: 5140

Re: Two vastly different career considerations...Stability vs. Income

Job A:
Pros: 5 lines
Cons: 2 lines

Job B:
Pros: 3 lines
Cons: 5 lines
by Triple digit golfer
Wed Jan 03, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Basic IRA question - 2018 Roth vs. Traditional
Replies: 5
Views: 661

Re: Basic IRA question - 2018 Roth vs. Traditional

Thanks all. Probably not worth the trouble, as we are fine with Roth IRA contributions for tax diversification and the ability to pull contributions in an emergency (although HIGHLY unlikely). As for why she isn't contributing to her 403(b), her bi-weekly pay for a few months will only be around $50...
by Triple digit golfer
Wed Jan 03, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Basic IRA question - 2018 Roth vs. Traditional
Replies: 5
Views: 661

Re: Basic IRA question - 2018 Roth vs. Traditional

My wife can contribute to a Traditional IRA and it will be fully deductible. She can also contribute to a Roth IRA instead, or any mix of the two up to $5,500 total. Is this correct? Not contributing at all to her 403b is a necessary but not sufficient condition. If she gets a pension, or the emplo...
by Triple digit golfer
Wed Jan 03, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Basic IRA question - 2018 Roth vs. Traditional
Replies: 5
Views: 661

Basic IRA question - 2018 Roth vs. Traditional

I am trying to determine eligibility of my wife and I to contribute to Traditional vs. Roth IRAs in 2018. We only have Roths so far because we both always worked and had AGI above the deductibility limits. Our 2018 AGI will be at least $115k but more than likely around $125k. My wife is leaving her ...
by Triple digit golfer
Tue Jan 02, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid state income tax on Roth IRA contribution?
Replies: 16
Views: 2262

Re: Avoid state income tax on Roth IRA contribution?

My wife and I are in IL and both contribute to Roth IRAs. In 2018 she will be leaving her job and therefore not have a workplace plan. Our AGI will be somewhere around $115k, 22% federal tax bracket. I believe we will be eligible for her to do this since she won't have a workplace plan but I cannot ...
by Triple digit golfer
Tue Jan 02, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 7420

Re: State Farm vs Geico

I've had Geico for auto insurance for years. Love them. I had a claim and they handled it extremely well.

I also use them for umbrella as they were significantly cheaper than other carriers.

They were not competitive for homeowners so I use another company.
by Triple digit golfer
Tue Jan 02, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Check-up for 2018
Replies: 1
Views: 596

Re: Check-up for 2018

One bump for the weekday regulars. :happy
by Triple digit golfer
Mon Jan 01, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Check-up for 2018
Replies: 1
Views: 596

Check-up for 2018

Hi all, In 2017 and into 2018 my wife and I had and are having a lot of positive changes in our lives. A new house (well, end of 2016), new baby, my wife leaving her job this month, and me starting a new one this month. That said, I'd like to get a general portfolio check-up to see that there's noth...
by Triple digit golfer
Fri Dec 29, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

The Basic does not include a state return. And you can get the Deluxe version inlcuding one state for about the same price as the Basic version plus extra for a state. I think the Deluxe version gets the best value as it also includes pretty good instructions. One minor downside is that you will ha...
by Triple digit golfer
Fri Dec 29, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

Looks like the download or CD versions all include all the forms but online do not.

If I do the download or CD version is there any good reason to not just use Basic? The most complex part of our taxes is Schedule D with some capital gains and losses. Everything else is pretty straightforward.
by Triple digit golfer
Fri Dec 29, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

jebmke wrote:
Fri Dec 29, 2017 5:32 pm
Basic has Schedule D according to their web site.
I looked again and I think you are incorrect. It shows schedule D only with Deluxe and above for online and Premier and above for download or CD.
by Triple digit golfer
Fri Dec 29, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

HueyLD wrote:
Fri Dec 29, 2017 2:08 pm
You don't need Premier. In fact, Basic will do. But getting Deluxe may be a good compromise.
Basic doesn't have Schedule D though, right? So that wouldn't work.
by Triple digit golfer
Fri Dec 29, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

HueyLD wrote:
Fri Dec 29, 2017 10:49 am
Yes. See https://turbotax.intuit.com/personal-ta ... deluxe.jsp
Thanks! I couldn't locate a good chart like the one on that page! Much appreciated.
by Triple digit golfer
Fri Dec 29, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

I have a general TurboTax question. Would the Deluxe or Premier make more sense for me? We itemize, have a child, and have capital gains and losses and will need Schedule D. Would Premier be necessary for capital gains and losses or can the Deluxe handle it? No, Deluxe will handle it just fine (cd/...
by Triple digit golfer
Fri Dec 29, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs. Download
Replies: 34
Views: 5010

Re: Turbotax Online vs. Download

I have a general TurboTax question. Would the Deluxe or Premier make more sense for me? We itemize, have a child, and have capital gains and losses and will need Schedule D.

Would Premier be necessary for capital gains and losses or can the Deluxe handle it?
by Triple digit golfer
Fri Dec 29, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

Thank you all for your insightful comments and personal experiences. I decided to put $20k in a 529. My goal is to evaluate a couple times a year and see if we want to contribute more to it. I understand KlangFool's concerns, but I don't think $20k is going to make or break a period of unemployment...
by Triple digit golfer
Fri Dec 29, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

Thank you all for your insightful comments and personal experiences. I decided to put $20k in a 529. My goal is to evaluate a couple times a year and see if we want to contribute more to it. I understand KlangFool's concerns, but I don't think $20k is going to make or break a period of unemployment ...
by Triple digit golfer
Thu Dec 28, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

KlangFool, What do you mean when you say, regarding dividends and capital gains tax, "With your combination of money in all 3 pools, it could be 0%." Surely the $1,000 tax credit has to be worth something in the analysis, no? As for the 529 being counted for financial aid, isn't it only counted at 5...
by Triple digit golfer
Thu Dec 28, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

OP, 1) I think folks overestimated the tax burden of your taxable account investment. And, as a result, overestimated the tax benefits of 529. 2) You have the actual numbers. Look at your 2016 tax return. How much tax did you pay on your 200K taxable account investment for 2016? 3) If you are at 28...
by Triple digit golfer
Thu Dec 28, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

Thank you all.

I'm going to move $20k into funds that match my current allocation, then adjust my non-529 money to adjust for it so that overall allocation including 529 remains the same. The 529 and non-529 money will both be approximately 75/25.
by Triple digit golfer
Thu Dec 28, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

Livesoft, would you consider 529 money part of overall allocation or as its own separate fund? I am torn on what to invest in and if I want to make other changes. The easy route is to invest in bonds. Therefore I'm simply exchanging savings cash for bonds. The other route is to invest it 75/25, in ...
by Triple digit golfer
Thu Dec 28, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

I don't consider us wealthy! You fully fund all retirement accounts, have $210k in taxable accounts, and have at least $20k/year left over for college savings. You are very wealthy. Congrats! Thanks, but we don't have $20k/year left over for college savings. We will have very little left over becau...
by Triple digit golfer
Thu Dec 28, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

We put some money in 529 plans, but not enough to fund the full cost of college. I suggest if you are wealthy that you take advantage of the tax break early and often for at least some of your money. 529 plans are really for wealthy folks, so go for it! I don't consider us wealthy! Livesoft, would ...
by Triple digit golfer
Thu Dec 28, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

Re: General question on college savings

Thanks for the input, everybody! What is typically recommended for 529 savings? Equities or bonds? I intend to view it as part of our overall asset allocation (which is 75/25), but was curious if it really mattered. I'm inclined to take $20k out of savings, invest in a bond fund in the 529 and call ...
by Triple digit golfer
Thu Dec 28, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 3246

General question on college savings

My wife and I have a 3 month old daughter. I've read a lot of threads on paying for college and it seems that there are four major options: 1. 529 accounts 2. Roth IRAs 3. Taxable accounts 4. Cash flow (or stopping contributions to retirement accounts during child's college years) Right now, my wife...