Search found 52 matches

by randybobandy
Sat Jan 18, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 152
Views: 6955

Re: Why retire?

I would like to fish full time. Probably will at 50.

-randy bo bandy
by randybobandy
Sun Jan 12, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: 31k to daughter for car. Any tax problem?
Replies: 40
Views: 4731

Re: 31k to daughter for car. Any tax problem?

I recently gave my daughter 31K to help with the purchase of a car. Did I create any type of tax problem? Had you asked the question before you gave the money, you could have gotten more help. Then I would have said: Your wife and you can write separate checks on Dec 31 2019, and then write a 1K ch...
by randybobandy
Sat Dec 28, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 55388

Re: Selling home- Demanding Buyer (Repairs)

Thanks Gardener for sharing your entire experience in this thread. I can't tell you how much all this will help me next time I sell my home. Wish you the best of luck going forward. Very true, I'll be listing in 3 or 4 months for the first time and appreciate all the updates from OP and the thought...
by randybobandy
Sun Nov 10, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 33378

Re: Anyone want to share their monthly budget? Here's ours

Late 30s, single guy Credit card: ~$415/mo This includes gas, groceries, internet, booze, etc HOA: $212/mo for 1 bd/1/ba condo. Includes water, trash, gas fireplace used for heating Home insurance / Property taxes: $75/mo Power: ~ $60/mo Car insurance: $55 /mo for liability Maintenance / Other unex...
by randybobandy
Fri Oct 25, 2019 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Discounts for 2019 version
Replies: 35
Views: 3103

Re: TaxAct Discounts for 2019 version

TaxAct has gotten extremely expensive recently, and last year, I wound up shelling out about $79.95, whereas it used to be about $25-40. And that was for only one state. I was at Sam's club and I saw Turbo Tax for about $39.95, which included all state returns and Turbo Tax also imports most data f...
by randybobandy
Sun Oct 13, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 55388

Re: Selling home- Demanding Buyer (Repairs)

Gardener wrote:
Wed Sep 18, 2019 1:44 pm
Thanks all. Aren't most of the offers that I am going to get have a contingency of selling their own home? I'll talk to my agent in a bit, but just wanted to get other feedback.
Gardener,

I hope things are going well. Any news to share?

-Randy Bo Bandy
by randybobandy
Wed Oct 02, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Will or trust question
Replies: 18
Views: 1690

Re: Will or trust question

iamblessed wrote:
Wed Oct 02, 2019 4:00 pm
Could I be proven wrong and only get the amount said in the will or trust?
Of course.

-randy bo bandy
by randybobandy
Fri Sep 06, 2019 7:52 am
Forum: Personal Investments
Topic: Employer requesting refund of HSA funds
Replies: 40
Views: 3235

Re: Employer requesting refund of HSA funds

Hello! My wife and I are leaving our current employers on September 20th, and will be starting a new job in mid November. I have purchased an ACA HSA elgible plan that we will be starting on October and November, so we will have HSA eligible coverage 11 our of 12 months in 2019. We are both on HSA ...
by randybobandy
Sun Jul 28, 2019 8:17 pm
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3882

Re: User hostility when transferring brokerage accounts

I don't view this as hostile.

-RandyBoBandy
by randybobandy
Wed Jul 17, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 40
Views: 3984

Re: How unpleasant is the home buying/selling experience??

Option 7. Everything you plan for can change. Wait and rent until you have the child, jobs are steady, marriage is steady, school districts are known, etc. You are 10 years away from having a kid in school (assuming everything goes as planned). You have no clue what the schools will be like in 5 ye...
by randybobandy
Wed Jul 17, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 40
Views: 3984

Re: How unpleasant is the home buying/selling experience??

I would go with option 2.

I'll be selling next year at the 3 year mark of owning my house. I'm not worried about breaking even, but am getting anxious about turning any kind of decent profit. I don't think I'd buy again in such a short turnaround in most markets.
by randybobandy
Wed Jul 17, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Different Vehicle
Replies: 17
Views: 2303

Re: Buying a Different Vehicle

For 2 & 3 are you looking for a yes/no?

#4) only you would know the rates you can get from those options.
by randybobandy
Sun Jul 14, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 146
Views: 9482

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

OP, please keep this thread going. It's already solid and I'm very interested to see how this turns out for you. I hope all goes well, clear you need a change and hope you end up happy.
by randybobandy
Tue Jul 09, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11130

Re: Who cuts your hair? And for how much?

I may have paid someone to cut my hair 5 times in the last 20 years. I normally just buzz off my hair with electric clippers every few weeks. I'm on my 2nd $25 clippers in that 20 year stretch.
by randybobandy
Sat Jun 22, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5965

Re: Should I buy a condo in Chicago?

I'm not the most handy person arund. I often break things in figuring out how they work, though I'm able to fix it pretty easily after that. 1 year into owning my house, and several youtube videos later, and I was pretty competent in fixing most things. I wouldn't let that part of the equation deter...
by randybobandy
Sat Jun 22, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: For those who tip valet and/or dog kennel
Replies: 11
Views: 1483

Re: For those who tip valet and/or dog kennel

I bring my dog to a day care/camp a few times per week where he gets to play with lots of other dogs. He is also boarded at the same place for a few days every few months. The staff takes great care of him. We haven't tipped them but will bring in cookies or doughnuts and coffee. They seem appreciat...
by randybobandy
Thu Jun 20, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 55388

Re: Selling home- Demanding Buyer (Repairs)

Gardener wrote:
Sat Jun 15, 2019 12:31 pm
Thanks all.

Well we sent notification to terminate the contract.

Although it stinks that we will have to relist, so glad to be done with buyers.

I can only imagine how final walk through would have went.

A lot of lessons learned here.
OP, any updates? Hope all is going well.

-Randy Bo Bandy
by randybobandy
Sat Jun 15, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 55388

Re: Selling home- Demanding Buyer (Repairs)

I would consult with your new agent for the listing price. You are going with a new agent, right?
by randybobandy
Thu Jun 13, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 3094

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

Pictured Rocks is amazing!

https://www.nps.gov/piro/index.htm
Copper Harbor is pretty nice, though likely out of your way.

If you are on US-2 keep your eyes peeled for Injun Joe's trading shack. I have never stopped before but it looks...unique, every time I drive by.
by randybobandy
Wed Jun 12, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4724

Re: Tips for new pet owner

Notify your insurance company. They ask if you have pets for a reason. I can't imagine notifying my insurance agent for adding a Havanese to my household. But I do enjoy living on the edge. I dunno, everyone around here is terrorized by the neighborhood "killer chihuahua." That little son-of-a-fema...
by randybobandy
Fri Jun 07, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 3133

Re: how to deal with people who are not living boglehead way of life

sd323232 wrote:
Fri Jun 07, 2019 7:17 am

They dont want to listen to anything because they think they are good where they at (deep in debt that is).
You can't help out until they want to learn.
by randybobandy
Thu Jun 06, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 55388

Re: Selling home- Demanding Buyer (Repairs)

Gardener, thanks for passing everything along. I'll be selling in a year and this has been a very interesting read. Definitely some beneficial info in here from you and the contributors. Hope it turns out well for you and wraps up sooner than later.

-RandyBoBandy
by randybobandy
Mon Jun 03, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11338

Re: How did you all do in the month of May, 2019

DanMahowny wrote:
Sat Jun 01, 2019 4:33 pm
randybobandy wrote:
Sat Jun 01, 2019 4:15 pm
My first child was born and my wife stopped working. Big smile on my face, life is good..though the wallet feels a bit light.
That's a good month. Congrats to you guys.
Thank you and all of the others for the kind words!
by randybobandy
Mon Jun 03, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 42
Views: 12658

Re: Prepping a house for sale: What are the priorities?

Thanks for the update! Interesting thread. I'll be selling in a year and am sure this will be beneficial to look back on.
by randybobandy
Sat Jun 01, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an investment property while renting an apartment?
Replies: 24
Views: 1987

Re: Buying an investment property while renting an apartment?

I feel very good about renting the apartment I live in now and investing in property that I own and rent out to others and do not want to get deterred from this plan thinking I must own my primary residence just in order to own and rent another place as an investment. If you don't want to be deterr...
by randybobandy
Sat Jun 01, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an investment property while renting an apartment?
Replies: 24
Views: 1987

Re: Buying an investment property while renting an apartment?

I feel very good about renting the apartment I live in now and investing in property that I own and rent out to others and do not want to get deterred from this plan thinking I must own my primary residence just in order to own and rent another place as an investment. If you don't want to be deterr...
by randybobandy
Sat Jun 01, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11338

Re: How did you all do in the month of May, 2019

My first child was born and my wife stopped working. Big smile on my face, life is good..though the wallet feels a bit light.
by randybobandy
Sat Jun 01, 2019 3:54 pm
Forum: Personal Investments
Topic: Portfolio advice for a military member
Replies: 15
Views: 1018

Re: Portfolio advice for a military member

Randy, You are correct that I need 10 more years to retire as an officer. I commissioned June 2018 so I've got to go until 2028 which will put me at 24 years of service. My initial commitment has me to 2024 because of the training I'm receiving. 24 years will be a solid pension. Some days I think I...
by randybobandy
Sat Jun 01, 2019 3:19 pm
Forum: Personal Investments
Topic: Portfolio advice for a military member
Replies: 15
Views: 1018

Re: Portfolio advice for a military member

JTColton, I've got 16 years in right now but I commissioned last year so I've got to do 10 more years to retire. Grateful for the military advice especially regarding Tricare! Good stuff. Just for clarification, you mean you've got to do 10 more years to retire as an officer, and not 10 more years ...
by randybobandy
Fri May 31, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 501
Views: 58946

Re: What is/ was your career and would you recommend it now?

Military officer for the last 4+ years. Enlisted for 8 years before that. Some days I think I'll retire at the 20 year mark, other days I think if I'm still enjoying myself I'll keep going as long as they'll have me. Padding the pension wouldn't be a bad thing, either. Would I recommend it? Yes, if ...
by randybobandy
Sat May 18, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 3095

Re: Debt: Student loan or cabin

Interesting mental process that tells someone it is okay to buy a second home prior to paying for their education. I'd sell the cabin and pay off the loans and then buy a cabin with cash once I was rich enough that questions like this didn't exist in my life. But I fully acknowledge I'm unusual. +1...
by randybobandy
Sat May 18, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: TSP modernization implementation date: 9/15/2019
Replies: 24
Views: 2933

Re: TSP modernization implementation date: 9/15/2019

Thank you for posting!

-Randy Bo Bandy
by randybobandy
Sat Apr 20, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Suitable present for friend's retirement?
Replies: 11
Views: 1126

Re: Suitable present for friend's retirement?

At most I would buy a bottle of their favorite liquor or wine for a not close friend. A close friend retired this week and we both love the outdoors, I bought him a fly rod and reel combo from a company we have a connection to.

-RandyBoBandy
by randybobandy
Sat Apr 20, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 2318

Re: DIY home security system

DanMahowny wrote:
Sat Apr 20, 2019 2:07 pm
If you have the time I would greatly appreciate if you were able to post a picture of the two. One day I will have a beautiful German Shepherd, preferably two. Presently I move too much due to work (6 moves in 10 years) for it to be fair to have one.

-RandyBoBandy
by randybobandy
Fri Apr 19, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 2318

Re: DIY home security system

No experience with the DIY method, but my answer is 2 German Shepherds.

I know some companies offer the door sensors, Ring included. No experience but a friend told me setup was super easy.
by randybobandy
Fri Apr 19, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth
Replies: 8
Views: 624

Re: Backdoor Roth

I didn't know I was a needy person, but qualifying for a roth has confirmed it. Interesting.

-RandyBoBandy
by randybobandy
Sun Apr 07, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 7
Views: 1084

Re: How much to tip on DoorDash?

I tip $5 if it's a 1 or 2 person order, more if it's a larger order.
by randybobandy
Wed Jan 16, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11840

Re: Have I Now Become Out of Touch Financially? Aging question...

Yes. You are out of touch. The entirety of SoCal is out of touch. Come visit the midwest or south and see how many people drive 100k-200k cars or live in million dollar houses. Heck, if I see a CPO Mercedes driving around it requires a double take. You would instantly become one of the flashiest pe...
by randybobandy
Sat Jan 05, 2019 10:35 pm
Forum: Personal Investments
Topic: TSP vs IRA priority help
Replies: 21
Views: 1762

Re: TSP vs IRA priority help

The OP has not identified as male.

-randy bo bandy
by randybobandy
Mon Dec 31, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...(Updated 1/4/2020)
Replies: 108
Views: 19485

Re: Dave Ramsey's voice is in my head...(Updated 12/30/2018)

Interesting read, the updates are great! Things have definitely changed in just a few years.

-randy bo bandy
by randybobandy
Sun Dec 16, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Military-Advice Needed
Replies: 13
Views: 1635

Re: Military-Advice Needed

With being 5 years out from retirement will you be PCSing once more, or staying in the same HCOL area? Also, do you have a retirement location set in mind or going to stay where you're at when you hit 20? A minor point but wanted to make sure you know TSP allows up to $19k contributions for 2019 and...
by randybobandy
Thu Nov 22, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 10476

Re: What financial information do you share with your family and relatives?

I have an in-law that pays attention to his finances that I will discuss specifics with. Beyond that, everyone else gets generic answers or I may tell them they are being rude.

--Randy Bo Bandy
by randybobandy
Fri Nov 16, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 3119

Re: Garmins & Fitbits: Worth it for non-athletes?

I have a garmin and find it motivating to track progress. I'm approaching the point of enjoying running, but until that happens I find my competitive side enjoys seeing what, if amy, progress I am making.
by randybobandy
Fri Nov 16, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2881

Re: Need advice on (2) jackets.

Canada Goose, so trendy.
by randybobandy
Fri Nov 09, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5332

Re: Moving to NYC without a job

I would not be comfortable going with this plan. Good luck if you do.

Randy Bo Bandy
by randybobandy
Tue Nov 06, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2543

Re: Best strategy basement mold

markcoop wrote:
Mon Nov 05, 2018 7:36 am
I live in the Northeast. Winters tend to be dry. Curious if people run dehumidifiers in the basement in the winter?
I turn off the dehumidifier when I start getting shocked.
by randybobandy
Fri Oct 26, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?
Replies: 25
Views: 2683

Re: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?

I have a 2015 kia sorento, just hit 60k miles. I haven't had any issues with it. A pretty smooth ride, I am glad I purchased it.
by randybobandy
Sat Oct 13, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3730

Re: Lost Power for 24 hours - what food to toss?

Here's a cheap test for needed future outages: Freeze a cup of water now. Place a penny on it. When you open the freezer after a power outage, where is the penny? If it hasn't fallen to the bottom, your meat hasn't thawed. It seems easier to touch the meat to see if it has thawed. Say you were gone...
by randybobandy
Sat Oct 13, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3730

Re: Lost Power for 24 hours - what food to toss?

trueblueky wrote:
Sat Oct 13, 2018 12:34 pm
Here's a cheap test for needed future outages:

Freeze a cup of water now. Place a penny on it. When you open the freezer after a power outage, where is the penny? If it hasn't fallen to the bottom, your meat hasn't thawed.
It seems easier to touch the meat to see if it has thawed.