Search found 228 matches

by newbie_Mo
Sun Jul 12, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Virtual currency sold in 2018
Replies: 7
Views: 751

Re: Virtual currency sold in 2018

I used it as an investment when I purchased the virtual currency. I didn't receive a form 1099 from them. I downloaded a "gain/loss report" from their website. It didn't explicitly say is a 1099, but has the cost basis and sold price, total gain/loss listed. So I guess I will have to amend...
by newbie_Mo
Sat Jul 11, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Virtual currency sold in 2018
Replies: 7
Views: 751

Re: Virtual currency sold in 2018

Thanks for the info.

I currently do not own any virtual currency. It was sold in 2018. The $500 is in cash and still in the Coinbase website.
by newbie_Mo
Sat Jul 11, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Virtual currency sold in 2018
Replies: 7
Views: 751

Virtual currency sold in 2018

I sold some virtual currency at a loss of $300 in 2018 (bought for $800 sold for $500). I did not know how to use wallet to take out the $500 so it is still sitting at the Coinbase account. I forgot to report the loss in my 2018 tax return. Do I have to amend my 2018 tax return to report the loss? D...
by newbie_Mo
Tue Dec 31, 2019 12:39 pm
Forum: Personal Investments
Topic: Realized loss, should I sell some gain?
Replies: 2
Views: 172

Realized loss, should I sell some gain?

So back in May I sold stock ABC at a loss of $10k (I had held this stock for 6 months before the sell) . Due to the recent gain in the stock market, one of my ETF has a gain of $10k (I have held this ETF for more than a year) . Should I sell the ETF today so that I can avoid paying capital gain in t...
by newbie_Mo
Tue Aug 28, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2581

Re: Summer Day A/C Issues

Our old 15-20 year old ac can only work with very porous filters. The only thing that works is the 30day ez flow air filters. If we use any higher grade filter the ac can't cool down the inside lower than 78F.
by newbie_Mo
Sat Aug 04, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 4315

Re: Do you think I am being too conservative on buying a house?

Whatever and whenever you do, buy a house you can pay for on just your income. Wife may want to stay home. If you buy a forever home, she may need to work full time. Scale the wedding way down. Save money for the house. Stop paying extra on home. Get rid ofother loans asap. This. If you want 2 to 3...
by newbie_Mo
Fri Jul 27, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 4594

Re: Decision for Stay at Home Wife?

Wow, appreciate all of the quick feedback on this. I haven't had the honest conversation with my wife yet, but just wanted to have this as an option in the back of my mind in case she does want to go that route. I get the "feeling" that she wants to be a SAHM based on her asking if she co...
by newbie_Mo
Sun Jul 22, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1987

Re: Suggestions About Simulating Homemade Chicken Stock

Make soup/stock outdoor in the summer. We tried with a propane stove but when you turn the fire to low it can easily got blow off by the wind. So we are thinking about getting a induction cooker for about $50.
by newbie_Mo
Mon May 21, 2018 2:02 pm
Forum: Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 9735

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Sorry for your loss. Ally bank has a no penalty cd (1.5% interest rate). You can open a few of those. Whenever you feel ready you can withdraw from your cds and invest. All the best to you and your family at this difficult time.
by newbie_Mo
Tue Mar 27, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 5301

Re: House Purchase - Sanity Check On Financials

I am a little surprised with the majority saying this can't be afforded. It certainly is pushing it, but OP is still talking about a mortgage that would be ~2.5x his gross income. I realize many here like that number to be closer to 2.0x income, but this isn't that crazy, is it? It's not the mortga...
by newbie_Mo
Wed Feb 21, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 18456

Re: When is Costco cash back coupon arriving?

Got ours a month ago
by newbie_Mo
Sat Feb 03, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 8429

Re: Substitute for taking a shower?

Use a small towel (i.e. Hand towel) and a small bucket to take 1 to 2 gallon of water. Use towel to transfer water to wet your body, apply soap then use the towel to help you take water from bucket to clean away the soap. Dry up. Done.
by newbie_Mo
Mon Dec 25, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 33
Views: 9922

Re: Subaru Forester - Harsh ride

2014 forester. Noisy and harsh ride, but very good snow traction.
by newbie_Mo
Sat Dec 16, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Beefy Brothy Stocky Thing Advice
Replies: 24
Views: 3268

Re: Beefy Brothy Stocky Thing Advice

If you want your broth to taste good you have to have enough ingredients (bones, skin, meat) there to boil it for 4 hrs. A good broth IMHO would become a solid gel after it cools in the fridge.
by newbie_Mo
Tue Dec 12, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 1083

Re: Microwave - Reliable built-in with vent?

I had a similar problem with our over the range microwave few days ago. The frigidaire microwave would start when we closed the microwave door. Ours was manufactured in 2014. I look up the problem. It was most likely due to a faulty door switch. The switch costs $10. Without replacing the switch, i ...
by newbie_Mo
Sun Dec 10, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 5227

Re: Good enough for cows, good enough for you

http://www.bagbalm.com https://www.riteaid.com/shop/media/catalog/product/cache/1/image/9df78eab33525d08d6e5fb8d27136e95/8/0/8018025_1.jpg You beat me to it. Good product, I can't remember if it has an odor or not. Broken Man 1999 +3! It does have a slight odor that reminds me of an old library. I ...
by newbie_Mo
Mon Nov 27, 2017 9:46 pm
Forum: Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 7305

Re: Inheriting a large sum, slightly intimidated.

I think the other question you should ask is how do you protect your wealth. I am assuming you are a police officer because you love your job. How often do you have to use force (physically and use of a weapon) to subdue someone in your job? Will you get sued if someone is hurt by you or your partne...
by newbie_Mo
Tue Nov 21, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 17724

Re: Help DW gets fired, but then next day her boss offers her job back

Normally I would say put the screws to the boss and demand more pay or something to offset the pay cut like more paid time off. But since you are $600/month upside down if she loses the job, I would probably go back to work for the pay cut and find another job asap. I would also be inclined to leav...
by newbie_Mo
Sun Nov 12, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 5679

Re: Warm Shirt for Winter

Long fleece clothes, warm and inexpensive.
by newbie_Mo
Mon Sep 18, 2017 8:56 am
Forum: Personal Investments
Topic: My in-laws' nest egg of $50k
Replies: 34
Views: 5168

Re: My in-laws' nest egg of $50k

I think living in a condo has a high risk of increase in HOA fee that is beyond their control.
by newbie_Mo
Fri Jul 28, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 33290

Re: Best place to get eyeglasses / no vision insurance

Zenni. I bought the $7 frame with anti-reflective coating $4. Total $16 with shipping. So far so good.
by newbie_Mo
Wed Jul 26, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 9846

Re: Post Nuptial agreement guaranteeing alimony?

Is OP living in a state where if they get divorced the assets are not split 50/50? Or is OP asking for more (i.e. 75%) of their wealth upon a divorce, thus the need for a post-nup?
by newbie_Mo
Mon Jul 24, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 2095

Re: How to organize toddler books

Back in the days of Montessori preschool, they were very into organizational skills. It worked as the child that went to Montessori is very organized and neat. So, we went with the plastic crates you can get at Walmart that are light weight cubes. They come in various colors and you can stack the b...
by newbie_Mo
Mon Jul 24, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 2095

Re: How to organize toddler books

runner3081 wrote:We went with a "cubed" type of bookshelf. It looks like 5-6 cubes from the front and has book shelves/cubby holes for storage.
Any links/examples of what they look like? Thanks.
by newbie_Mo
Mon Jul 24, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 2095

Re: How to organize toddler books

aristotelian wrote:Could you get some book-ends to keep them up straight?
Tried the book-ends. They always seem to be moved out of place and the books falling flats.
by newbie_Mo
Mon Jul 24, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 2095

How to organize toddler books

I am looking for suggestions on how to organize books for our toddler. Right now we have 4 big boxes (diaper box) of books. I don't want to use book shelves because some of those books are thin and paper backs very hard to keep them stay upright. Bookshelf with sling seems not enough space for all t...
by newbie_Mo
Sat Jul 15, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 6634

Re: Rent in safer neighborhood or buy in less safe one?

If you buy in the dangeous neighborhood, who will your kids be hangout with? Kids learn from their peers.

If you cannot afford a 250k house, how do you afford to send your kids to private school?
by newbie_Mo
Sat Jul 08, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 9146

Re: How much of an increase of salary would you expect before switching jobs?

You mentioned the new company just just bought out and things could change. Restructuring may happen soon after you move to the new company.
by newbie_Mo
Sat Jul 01, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 31091

Re: Buying house - Very important decision

Another 100k in housing price means $3000 into the realtor's pocket. They wouldn't care less you couldn't afford the house.
by newbie_Mo
Sun Jun 18, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 3804

Re: Unexpected raise while househunting-- should I change my budget?

You didn't mention what king of house you will get for 350k to 500k. That alone will dictate your lifestyle.
by newbie_Mo
Sat Jun 10, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 4724

Re: Fence Dilemma

We are in similar situations. When the time comes to replace the fence we will just replace it ourselves.
by newbie_Mo
Tue Jun 06, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 9457

Re: Housing is too expensive.

How much is rent for a 2 bedrm apt in the good school district? I think there was a thread that talked about 2 sibs sharing a bedrm. Look that up.
by newbie_Mo
Thu Jun 01, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 13800

Re: I spend 6.1% of my Gross income on rent

When we were renting rent and utilities were about 6-8% (1 bedrm then 2 bedrm) of our gross. With our own house we are at 11% with mortgage, ins, pro tax, and utilities. We had a 40% downpayment. 15 yr mortgage.
by newbie_Mo
Fri May 12, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 6315

Re: Do I have a problem in the backyard in need of a professional?

Some mouse dig holes in the ground. Don't know if thats what you have.
by newbie_Mo
Sat Apr 22, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 6561

Re: Should some professions tell people how much they make?

You keep talking about your "young, short, cute guy" look. Being a cute guy is fine but showing off that is another story. Try to lay off your I am a young and cute guy mentality and show results then your clients would no drop you.
by newbie_Mo
Sun Apr 16, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 16445

Re: Is spending 15K to furnish home too much?

Less than $3000 for the whole house (beds, sofa, dinning table, dishes, drapes etc.). Almost everything new from Ikea. Nothing fancy but everything works for us.
by newbie_Mo
Tue Apr 11, 2017 9:52 am
Forum: Personal Investments
Topic: Terminal diagnosis. Single parent. Plan for child.
Replies: 11
Views: 2861

Re: Terminal diagnosis. Single parent. Plan for child.

Send the child a link to bogleheads. Have him/her spend 15 mins per day for 2 weeks. :mrgreen:

Honestly, I can't think of a better place for your adult child to find better guidance about life and investments than here.
by newbie_Mo
Mon Mar 27, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 5149

Re: Child Planning Checklist

On baby gear: you REALLY don't need that much. We never got a swing / rocker / bouncer and never felt the need for one. Our baby napped in his crib, in the middle of our bed (before he could move), or on a blanket on top of the living room rug. We also never got a baby monitor, as our home is small...
by newbie_Mo
Thu Mar 23, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 150
Views: 35973

Re: So someone drained $13k from my checking account...

What's more alarming is the the fraudster knows how much you have in your account. They didn't request transfer of a large sum that would get rejected. They requested transfer of an amount that just depleted your account. I don't think anyone just happened to know your bank account number be able to...
by newbie_Mo
Mon Mar 20, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1959

Re: Wife going back to school. What financial steps should I take?

... and PhDs can often end up taking longer than planned. This is an important consideration. Does she know the average completion time for students in this program? If her funding is for 3 years, but it will potentially take 5 years, then you will need to plan for the additional cost. +1. Most Ph....
by newbie_Mo
Thu Mar 09, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 5636

Re: How Do You Share Expenses?

If half of the utilities cost and property tax is what you want then tell her.
by newbie_Mo
Mon Mar 06, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: How often do you discuss finances and spending with your spouse?
Replies: 60
Views: 5572

Re: How often do you discuss finances and spending with your spouse?

We rarely talk about budget, because we are not big spenders. We spend what we need. We do talk about what we need to buy (more like "should we buy this Big ticket item"). I am the one usually makes the final decision. At the end of the year I will tell DH how much we have saved. He is not...
by newbie_Mo
Fri Feb 24, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a new house -- Are we being stupid to consider it?
Replies: 35
Views: 5697

Re: Purchasing a new house -- Are we being stupid to consider it?

Is the housing market really as hot as you described that if you don't buy now you would be left behind? You have two houses. The townhouse is still going for less than when you bought in 2007. The rental has a negative cash flow. Doesn't sound too hot to me.
by newbie_Mo
Tue Feb 14, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 5194

Re: Kids in Apartment Sharing Bedroom - Workable?

Keep the baby in your room if the toddler is affected by baby's night feeding.

I would not buy in a "less desirable location". In a few years you will be concerned about public schools in those less desirable locations.
by newbie_Mo
Tue Feb 07, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Insights for Long Distance Grandparents
Replies: 23
Views: 1986

Re: Insights for Long Distance Grandparents

when my mother is in town, she cooks most of the meals, does our laundry, cleans the kitchen, etc. I'm not saying you have to play the part of the maid, but being a little less of a "guest" can be helpful. This x1000. Definitely visit in person. My kid loves to see the grands, but having ...
by newbie_Mo
Mon Feb 06, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: In-Laws Estate Planning - Wisdom Wanted
Replies: 50
Views: 3704

Re: In-Laws Estate Planning - Wisdom Wanted

"any land I owned"? How about your own house?
by newbie_Mo
Sat Feb 04, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 6944

Re: GF has long commute, should we buy a house to avoid long commute?

How much is childcare in your area? With income of $30k each, any one of you planning to be stay at home parent once you have 1 or 2 children?
by newbie_Mo
Wed Feb 01, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Spendthrift Daughter
Replies: 44
Views: 5435

Re: Spendthrift Daughter

Basically you are making your spendthrift daughter resent everyone in her life after you are gone. What exactly is your purpose of disinherited her? :confused
by newbie_Mo
Sat Jan 28, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 3727

Re: Fire extinguishers

One in kitchen.