Search found 48 matches

by Filetmerlot
Fri Jan 17, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 2930

Re: cheap-o rental car chains

We had SixT when we were in the Azores this summer. I was a little worried since I had no experience with them. It was pretty easy. We did the usual walk around before I took the car and he showed me all the dings he knew about and I showed him the dings he missed. i was a little worried since the t...
by Filetmerlot
Mon Nov 11, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: How donating appreciated stocks save taxes?
Replies: 13
Views: 758

Re: How donating appreciated stocks save taxes?

It only saves taxes in that you didn't sell the stock, thus you have no capital gains to report and be taxed on. If you had sold the stock first and donated the cash raised that would increase your taxes. Of course that depends on whether your Long Term capital gains are taxed at 0% 15% or 20% based...
by Filetmerlot
Thu Aug 08, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: How many bids/estimates do you get for services
Replies: 36
Views: 1865

Re: How many bids/estimates do you get for services

I want my house to be white again, not the greenish hue that it currently is so I want to hire a power washer. If you just want to wash out Moss, Mold, Mildew & Algae Stain on your siding, DIY. There is a product called: Wet and Forget It works perfectly. Buy the concentrate with hose connector. No...
by Filetmerlot
Wed Aug 07, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How many bids/estimates do you get for services
Replies: 36
Views: 1865

Re: How many bids/estimates do you get for services

Not sure of your age...but you could buy a good power washer and 20'+ ladder for sub $600. Then you get to keep the power washer and ladder. Heh. I'm early 40's...I mean mid 40's I have the ladder already and have rented a power washer from Home Depot before to do the decks and some of the house, b...
by Filetmerlot
Wed Aug 07, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How many bids/estimates do you get for services
Replies: 36
Views: 1865

Re: How many bids/estimates do you get for services

Thanks for the replies. I guess getting a couple seems pretty normal for a small job like this.
by Filetmerlot
Wed Aug 07, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How many bids/estimates do you get for services
Replies: 36
Views: 1865

How many bids/estimates do you get for services

How many bids do you generally get for small projects, or do you even get competitive bids? I want my house to be white again, not the greenish hue that it currently is so I want to hire a power washer. I asked for a bid from someone, but when he heard it was just for one house I think he thought it...
by Filetmerlot
Wed Jul 31, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 16795

Re: What is your hobby and how did it come to be your hobby?

One that is taking up a lot of time now is beekeeping. My 8 y/o son and i just got an extractor. last year, our first year, we harvested by hand and it took a long time and was messy. This year we have 2 colonies and have harvested 40 #s of honey and that was barely the beginning. Will probably get ...
by Filetmerlot
Tue Jul 02, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 23051

Re: Do you share your net worth with family members?

Just for a change of pace from the hidden wealth parents - my last year in high school, I peeked in my parent's checkbook ledger. I had more cash from working all summer at $6.50/hr (no expenses!) than they had in savings. Of course I suppose they had home equity, car, IRAs, but looking back we wer...
by Filetmerlot
Thu Jun 27, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3733

Re: Landlords - assessing amount security deposit to return?

I had a 2 guys as tenants once that were really good tenants. One of them wanted to move out at the end of the lease to move in with his girlfriend while the other one wanted to stay. While he was moving out he bumped the wall with the leg of the couch - probably the result of something like "turn i...
by Filetmerlot
Wed Jun 19, 2019 2:27 pm
Forum: Personal Investments
Topic: Going "Full Bogle"
Replies: 12
Views: 2535

Re: Going "Full Bogle"

Thank you, Taylor.

LiveSoft. I like that. I just donated to a local organization that I am a part of.
by Filetmerlot
Wed Jun 19, 2019 1:58 pm
Forum: Personal Investments
Topic: Going "Full Bogle"
Replies: 12
Views: 2535

Going "Full Bogle"

I sold the last of my stocks yesterday. Just going all in to index funds. Over the past year I have been selling the last half dozen or so of my stocks and turning them into index ETFs and index mutual funds. I mostly just had blue chip dividend paying stocks, think Altria, since the late 90's early...
by Filetmerlot
Mon Jun 17, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Essential oils
Replies: 3
Views: 517

Essential oils

My wife has really gotten into essential oils in the last couple of years. Partly because she likes the natural/homeopathic treatments and partly because she doesn't like taking too much medicine when she gets migraines. I was a little skeptical at first - I would give her a hard time like when she ...
by Filetmerlot
Thu Jun 13, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 6056

Re: How much is your guys’ fees for your 401k?

$0 paid by me. the company pays all of our administration fees for us.
by Filetmerlot
Wed Jun 05, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Mortgage or Save for Down Payment
Replies: 12
Views: 645

Re: Pay off Mortgage or Save for Down Payment

Do you consider paying extra principal (Not extra payments) on your house to be a part of your investing? if no and you consider it debt reduction then go ahead and continue what you are doing if yes then I would ask if you would typically invest money that will be used in the short term (1-3 years)...
by Filetmerlot
Wed Jun 05, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Do you perform a luxury service that you would not pay for yourself
Replies: 4
Views: 942

Do you perform a luxury service that you would not pay for yourself

I'm kind of curious how people here work(ed) in services that they would not be able to afford themselves or just wouldn't use because of the extravagance of it. I'm thinking of people that might be something like a concierge pilot that is on call for a client. They make good money, but obviously no...
by Filetmerlot
Mon Jun 03, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8880

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

My parents told my brother and I that they set up a skip trust for the grandchildren. So my 2 kids and my brothers 1 child will get the lions share of my parents estate when they pass. When they told me that my 2 children would split half while the my brothers child would get half I thought it was a...
by Filetmerlot
Fri May 31, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: 529 contribution limits and source of contribution
Replies: 3
Views: 472

Re: 529 contribution limits and source of contribution

Small Savanna wrote:
Thu May 30, 2019 8:19 pm
I would do half now and half in January, just to avoid the paperwork. You will miss a few months of tax-free growth though.
That's what I thought, too. It will be less cumbersome.
by Filetmerlot
Thu May 30, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529 contribution limits and source of contribution
Replies: 3
Views: 472

529 contribution limits and source of contribution

DW and I opened 529 for our 2 elementary school children a month or so ago and made the initial deposits with a few thousand dollars that we had set aside in custodial accounts for them. We recently decided that we didn't want to be landlords anymore and are selling our last rental. with the capital...
by Filetmerlot
Wed May 15, 2019 10:03 am
Forum: Personal Investments
Topic: Using 401k Loans to increase contribution
Replies: 17
Views: 1231

Re: Using 401k Loans to increase contribution

I don't see the point. How are you supercharging growth by taking out a loan and then paying it back right away with interest, and how is the interest in a week or a month going to be 8k on a 50k loan? Am I missing something?
by Filetmerlot
Thu May 09, 2019 12:34 pm
Forum: Personal Investments
Topic: Capital Gains Distributions
Replies: 4
Views: 548

Re: Capital Gains Distributions

Also, you calculated the number of shares at the time of the capital gain distribution. Were the distributions reinvested? If so there would now be more shares. WSTAX paid a CG of 7.4513 in December. That 3150.13 would have been reinvested @ 56.40 adding about 55.85 shares to the 422 shares As for t...
by Filetmerlot
Mon May 06, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 49
Views: 5916

Re: Lost out on 401k match for over-contributing

I guess I feel lucky that ours lets us choose to the penny how much we want to contribute. I do $19,000/27 (26 paychecks + end of year bonus) so I contribute 703.70 per pay period. That gets the full match. That means I'll come up about .10 short of maxing it out. That could result in 10's of pennie...
by Filetmerlot
Mon Mar 25, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 88
Views: 9438

Re: How to Sell a Wyland Painting on My Bathroom Wall?

When you looked at the house how did this not come up? Did the realtor just say “ and this is the kids bathroom. Someone drew a silly dolphin drawing on the wall” Unless there is a stocked wine cellar/ humidor or an outdoor elevator from a balcony this would seem to be the coolest unique feature of ...
by Filetmerlot
Tue Mar 19, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer | Recently Engaged
Replies: 72
Views: 5255

Re: First Time Homebuyer | Recently Engaged

DW and I were a smidge older than you when we purchased our first house. It was 6 months after we got married and I kid her it was the largest impulse purchase we had ever made. We had gone out one afternoon to be looky-loos at random open houses, but apparently we got a case of 24 hour house-itis. ...
by Filetmerlot
Fri Mar 08, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: When were you able to max out your 401k, IRAs?
Replies: 69
Views: 5687

Re: When were you able to max out your 401k, IRAs?

We plan on this being our first year for maxing out all 4 and we are early 40s. Once the kids were out of day care and preschool we spent a little time paying off all our debt (student loans, HELOC, cars), and now we just have the mortgage. We usually saved about 15%-20% but decided recently to up o...
by Filetmerlot
Tue Feb 05, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: residual in transferred Roth IRA
Replies: 1
Views: 128

residual in transferred Roth IRA

I transferred my Roth IRA to Vanguard a couple weeks ago, but apparently the transfer was done after Div ex-date and now there is a little bit of stock and cash in the e-trade account. There were 2 small stock positions that paid div and they were both set up to reinvest. One purchased less than one...
by Filetmerlot
Fri Feb 01, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why Do Fund Performance Stats on Vanguard.com not match those from independent sources?
Replies: 17
Views: 899

Re: Why Do Fund Performance Stats on Vanguard.com not match those from independent sources?

1) Yahoo! Finance sucks. Don't trust them. I use them for things like actual daily values of the S&P 500 price index. I've found it to be flaky as heck on anything involving mutual fund dividends. https://imgur.com/Gcvq5NQ.png I used to work in a pricing room at a large custodian bank. Every once i...
by Filetmerlot
Fri Feb 01, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11971

Re: How much do you keep in checking?

Average Daily balance probably less than $300. Paycheck goes in there and then it gets transferred out to various accounts and I'm left with a few hundred after that for the next couple weeks.
by Filetmerlot
Wed Jan 30, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22741

Re: Why doesn't a lot of money feel like a lot of money?

[/quote] Yes, now 37 and 32 we are very close to hitting the 2-comma club, but we certainly don't live like it . [/quote] I understand what you are saying, but I never liked hearing people say 'we don't live like millionaires', or a corollary from others that is'well, you're a millionaire/rich/well ...
by Filetmerlot
Mon Jan 28, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: NH retirees, do you go south for the winter months?
Replies: 8
Views: 1561

Re: NH retirees, do you go south for the winter months?

About a 10 year NH resident here. I grew up in the deep south, but prefer the cold winters here to the unbearably hot and muggy gulf coast between Mardi Gras and Halloween. I think when we retire we want to split the difference. Maybe North Carolina or Tennessee where there are actually 4 seasons.
by Filetmerlot
Fri Jan 25, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22741

Re: Why doesn't a lot of money feel like a lot of money?

Money that is invested to me doesn't feel like 'real money'. 1,000,000 invested in the market somehow feels less than 1,000 in my checking account. This. When I see a large change in my Vanguard or 401k accounts I generally don't bat an eye. I feel rich when I have $1000 in my checking account a da...
by Filetmerlot
Thu Jan 24, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22741

Re: Why doesn't a lot of money feel like a lot of money?

A very simple way to feel it's a lot of money: withdraw all of it from the bank and count the cash. As a summer job in college, I worked as a fill-in teller for the local bank. As the regular tellers went on summer vacation, I would be assigned to fill in. At first the cash drawer seemed like an im...
by Filetmerlot
Mon Jan 21, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401K
Replies: 8
Views: 467

Re: Overcontribution to 401K

I'm pretty sure she didn't set it up to do after tax contribution, but it is possible that once she filled the full 18500 they automatically sent it to that. Hopefully it isn't that hard to fix.
by Filetmerlot
Mon Jan 21, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401K
Replies: 8
Views: 467

Re: Overcontribution to 401K

Thanks. We were a little surprised also when the W2 showed her as having contributed nearly $19000 last year. I'll ask her if she can call the HR department and see what they can do. Should the mega automatically shut off her 401 contributions to prevent her from going over? I didn't know they were ...
by Filetmerlot
Mon Jan 21, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401K
Replies: 8
Views: 467

Overcontribution to 401K

Mrs. Filetmerlot got her W2 the other day and it showed she had over contributed to her 401K in 2018. Her pay may fluctuate depending on how many hours over 40 she bills, so set it and forget it doesn't work too well for the year. Merrill Lynch doesn't offer the option of deducting a set dollar amou...
by Filetmerlot
Tue Dec 18, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5827

Re: Marriage and separate accounts - how does it work?

Married 10 years. Have never had joint checking or savings accounts. We do have a family HSA we both use. We have one joint investment account that holds intermediate muni bonds as a backup emergency fund. Her income pays all the bills. My income funds each of our investment accounts. Works great f...
by Filetmerlot
Wed Oct 31, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How much to offer on new construction home
Replies: 31
Views: 2455

Re: How much to offer on new construction home

Our experience when buying a house that was new was pretty good. We purchased our home in April 2008 right after the housing bubble burst. There were 8 houses in our neighborhood and we were the third one to purchase from the builder. The first person that bought closed right before the bubble burst...
by Filetmerlot
Wed Oct 10, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6633

Re: What the heck is growing in my yard?

Try the iNaturalist app. You take a picture and it will give you suggestions for what it might be. I use it to identify different plants or small animals ( numerous snakes or amphibians) around my yard
by Filetmerlot
Fri Oct 05, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Fall Foliage
Replies: 29
Views: 2530

Re: Fall Foliage

I was in North Central Wisconsin also this week, but am now back home in NH. The colors in Wisconsin were pretty good, but back home I've noticed some of the White Birches in my woods around the house have dropped all their leaves already while others are still have green leaves. We haven't really h...
by Filetmerlot
Wed Sep 26, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten
Replies: 27
Views: 1367

Re: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten

Try Bob Books. They come in sets of 5 or6. We have used those with our son and now with our kindergarten daughter. They come in several levels so you can find the appropriate one for the child.
by Filetmerlot
Wed Sep 26, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: To Upgrade or Not Upgrade
Replies: 10
Views: 1734

Re: To Upgrade or Not Upgrade

I’m not sure what kind of plane it is. When I looked at the reviews for sun country first class I saw that it was being discontinued and that it was not as nice as it once was, but I thought it would still be a fun little adventure for me and my daughter as I take her to meet her great grandmother f...
by Filetmerlot
Wed Sep 26, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: To Upgrade or Not Upgrade
Replies: 10
Views: 1734

Re: To Upgrade or Not Upgrade

What city to city and airline? Sounds like it would be worth it for leg room and champagne. Although maybe you want to set a frugal example for your daughter. I went ahead and did the upgrade. We are doing Sun Country from Boston to Minneapolis. I ended up paying an extra $75 per person after apply...
by Filetmerlot
Wed Sep 26, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: To Upgrade or Not Upgrade
Replies: 10
Views: 1734

To Upgrade or Not Upgrade

My young daughter and I are flying tomorrow to visit her great grandmother for the first time. We tried to go earlier this year and the trip got canceled so I got voucher for the flights (after they took $75 for each ticket). So we thought we would try again and this time the flights were less than ...
by Filetmerlot
Mon Sep 24, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9479

Re: Losing Passion for Hobbies. Cheap or normal aging?

Before kids I was brewing beer twice a month. After kids it is twice a year. Before kids I never played with balloons. Now after kids I’ve become a pretty proficient balloon twister that makes balloon animals, hats, etc when the kids have birthdays and play dates. This past year my son and I started...
by Filetmerlot
Thu Sep 20, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 29433

Re: Water Heater Install $1,800!

This is timely. Just last week a tenant in our condo said he was not getting hot water so I went out there and decided it needed to be replaced. got 2 estimates. one for $1700 and another for $1400. The guy who gave me the $1400 estimate was able to do it right then so I had him do it. This is the f...
by Filetmerlot
Wed Sep 05, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey actually suggested borrowing money?
Replies: 38
Views: 4009

Re: Dave Ramsey actually suggested borrowing money?

Dave will do that as long as the total debt does not increase. The caller started with bad car and $6800 of car debt. The advice was essentially sell the car and get a $4000 loan which would cover the rest of the upside down equity and fund a clunker for a while. The caller then has a car, no car de...
by Filetmerlot
Fri Jul 20, 2018 10:45 am
Forum: Personal Investments
Topic: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?
Replies: 22
Views: 3597

Re: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?

Who knew that this would make me come out of hiding for my first post, but I am trying to do transfer out of Capital One to Vanguard right now also. It's the most frustrating thing and none of the accounts have been transferred. All of the vanguard accounts say waiting for paperwork, but I'm just n...
by Filetmerlot
Fri Jul 20, 2018 9:47 am
Forum: Personal Investments
Topic: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?
Replies: 22
Views: 3597

Re: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?

Who knew that this would make me come out of hiding for my first post, but I am trying to do transfer out of Capital One to Vanguard right now also. It's the most frustrating thing and none of the accounts have been transferred. All of the vanguard accounts say waiting for paperwork, but I'm just no...