Search found 324 matches

by dekecarver
Sun Apr 21, 2019 5:15 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3202

Re: leaving state job / pension. ..... bad idea?

Been there and I'm still here after running multiple scenarios, including work hours, travel time, etc..Gov't work can be a drag and it can also be rewarding just like the private sector but it does depend on your department and agency leadership/vision. I've found staying involved with a considerab...
by dekecarver
Sun Apr 14, 2019 10:56 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6952

Re: If you have plenty of money, why not 100% stocks in retirement?

If you have ample resources that you can afford to weather downturns, why not keep your money 100% stocks in retirement? Stocks return better than bonds, so you would have better overall portfolio returns. You would have to be willing to sell stocks/funds during downturns to pay for your expenses. ...
by dekecarver
Sat Mar 23, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Waiting 1 month before buying anything about $25
Replies: 16
Views: 1924

Re: Waiting 1 month before buying anything about $25

Sometimes it takes me a month or two to decide if a $10 item is worth it and it would cheaper in time and mental fatigue for me to just buy it rather than spend the month or so on trying to figure out if I really need it, if there is a cheaper alternative, or if I can make it by re-purposing somethi...
by dekecarver
Wed Mar 20, 2019 5:02 am
Forum: Personal Investments
Topic: When to quit feeding the pig?
Replies: 54
Views: 7802

Re: When to quit feeding the pig?

SarahS wrote:
Mon Mar 18, 2019 11:04 pm
Never... fat pigs are the best! For eating and peace of mind.
True as long as it is not a one meal feast. :D
by dekecarver
Fri Mar 15, 2019 4:59 am
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 57
Views: 3877

Re: lawn care cost

$40 is nothing today, a high school kid looking for work is priceless. Pay the kid for a good job.
by dekecarver
Mon Mar 04, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3062

Re: Advice on Grand Pianos?

I was told many years ago, a piano is a piece of furniture, unless you play with a passion, keep that in mind.
by dekecarver
Thu Feb 28, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 7812

Re: Client From Hell Is Driving Me Insane!

I actually see your client's point of view, and the fact of the matter is, you may never be able to meet his objective 100%.

Maybe his campaign should be nothing more than a white square with a bold colored dot off center.
by dekecarver
Thu Feb 21, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 40
Views: 5024

Re: Tip amount for daily newspaper delivery

I delivered the morning paper to 165 customers, ~5 mile loop, on porch by 0630, as a teenager (walking/bike) for 4 years. I didn't expect tips but around Christmas time I was greeted with kind smiles and some exceptional Morgans.
by dekecarver
Thu Feb 21, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5019

Re: Do you tip the guys at Home Depot?

With all due respect to the OP; are you kidding?

Does anybody tip the crossing guard at their kid/s school?
by dekecarver
Thu Feb 21, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Why do many overlanders drive old model vehicles?
Replies: 32
Views: 4111

Re: Why do many overlanders drive old model vehicles?

The bottom line is that the older LCs for example were built for such excursions from the drive train through the overall build for reliability; in other words those vehicles are tough. Another one is the Toyota Hilux.
by dekecarver
Mon Feb 11, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 10688

Re: Diamonds are forever.

delete
by dekecarver
Mon Feb 11, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: Electrician broke ceiling heat and won't fix it
Replies: 16
Views: 3319

Re: Electrician broke ceiling heat and won't fix it

Do you want a Cadet heater? I assume since it's embedded, the ceiling is actually plaster and will be an adventure to patch, and they don't want to own up to that. If you've ruled out the possibility that he clipped a wire in the wall, I would start by asking a third-party heating company that know...
by dekecarver
Mon Feb 11, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 7639

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

We have had new car dealerships in our family for three generations. Most of the time I buy at cost from my brother, although I bought my last new car through a relationship my employer had with the auto manufacturer, and I paid the same price as the manufacturer's employees pay. I recommend both a...
by dekecarver
Sun Feb 10, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 10688

Re: Diamonds are forever.

Just ask your wife how much she wants to show and go get it; just remember what you buy is marked up about 4 times give or take so you are already taking a bath but its about what makes her happy. Moisannite can be a very good alternative.
by dekecarver
Sun Feb 10, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5755

Re: Newlyweds and joint accounts for household expenses

Joint account for all household expenses including trips etc... where each puts in agreed upon percentage of take home pay has worked for us. After all what difference does it make where the rest goes as long as the joint obligations are met; I really don't care to know how much the shoes and purses...
by dekecarver
Fri Feb 08, 2019 6:21 am
Forum: Personal Investments
Topic: Sell gold krugerrand and put in Roth?
Replies: 40
Views: 1967

Re: Sell gold krugerrand and put in Roth?

The significance of the coin lies in the sentimental value, not the financial value unless the financial value outweighs the sentimental value. Once the physical coin is out of hand it no longer exist other than just a memory. Which do you value more, sentimental value of coin in hand or objective f...
by dekecarver
Thu Jan 31, 2019 5:50 am
Forum: Personal Investments
Topic: Got suckered into universal life insurance
Replies: 27
Views: 2378

Re: Got suckered into universal life insurance

Cash it out, take the small loss, chock it up to experience and buy term if you need it. Does your employer offer life insurance?

You aren't the first to blaze this trail. Now if someone ask, you can share your experience and hopefully that helps them in their decision making.
by dekecarver
Tue Jan 29, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 798
Views: 77231

Re: What frugal thing did you do today?

I bought a $4 beer instead of a $8 beer and cooked dinner at home instead of eating out.
by dekecarver
Tue Jan 29, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 22042

Re: Millionaire by 40 and How you Did it?

Negative 6 figure net worth at the end of fellowship at age 32. Millionaire by age 35. LBYM, dont buy a big stupid house or fancy European cars, waited a few years to have children, saved more than 50% of take home pay, invested in simple, low cost index funds and avoided foolish investments Wow! w...
by dekecarver
Mon Jan 28, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: An emergency fund cautionary tale
Replies: 89
Views: 10559

Re: An emergency fund cautionary tale

A study showed that about 50% of Americans wouldn't be able to cover a $400 emergency: https://www.washingtonpost.com/news/wonk/wp/2016/05/25/the-shocking-number-of-americans-who-cant-cover-a-400-expense/ That's a far cry from several months of living expenses! I'd be interested in reading that stu...
by dekecarver
Sun Jan 27, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 22042

Re: Millionaire by 40 and How you Did it?

I think the question and responses also need to reflect the proper context in terms of when (year you turned 40) and other factors. Turning 40 when avg salaries were $40K /year vs $150K, etc.. To actually work, save, sell business, ...invest on average salaries to become a millionaire by 40 is a hel...
by dekecarver
Wed Jan 23, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 3094

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

The only thought I ever have with this situation is a good floor mat, secured jug and open or cracked windows for ventilation. Somethings really aren't that dangerous. Putting an unsecured bowling bowl in the vehicle is a bigger problem pending speed and impact angle.
by dekecarver
Tue Jan 22, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Buy a condo in Bethesda/DC area, am I there yet?
Replies: 12
Views: 1385

Re: Buy a condo in Bethesda/DC area, am I there yet?

As someone else mentioned, have a really good understanding of the coop rules and regs. I've seen this in play and would pause before jumping in pending the circumstances; just like anything else but...
by dekecarver
Sat Jan 19, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Myrtle Beach Restaurants
Replies: 15
Views: 1113

Re: Myrtle Beach Restaurants

If you are visiting from a big city, what you can get at home will be at least the same as MB with the caveat of fresh seafood straight off the boat which is seasonal.
by dekecarver
Sat Jan 19, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8412

Re: Divorce w/child. Spouse wants to move.

Wants to move and will be able to move are two very different things.

If you have her dead to rights, force the issue; if she has you dead to rights, well... If it's, we just don't get along; do the best you can for the sake of the child and your happiness.
by dekecarver
Sat Jan 19, 2019 4:59 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 14212

Re: How much money did you receive from family? (Gifts/inheritance)

I received a $100 bucks when I turned 12. Bought a 22 cal rifle and a skinning knife. Learned how to use both proficiently; figured I'd always have something to eat and one less thing to worry about on a daily basis should the need arise.
by dekecarver
Sun Jan 13, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and MAGI Question
Replies: 3
Views: 420

Turbo Tax and MAGI Question

Question regarding TT and MAGI: I am currently evaluating whether DW and I are eligible for Roth IRA contributions. We are both state employees with a defined benefit plan. When looking for the MAGI on our married filed jointly 1040 form I see the AGI but no MAGI. I googled this and came up with two...
by dekecarver
Tue Jan 08, 2019 11:07 pm
Forum: Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10782

Re: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

I've always been intrigued by folks wanting to spend money on a wedding as though it is an expectation to do so but of what value does it actually add to the relationship?
by dekecarver
Tue Jan 08, 2019 7:06 am
Forum: Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10782

Re: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

Words of wisdom depending on how you look at: * You aren't married yet. * Get on the same page before you marry about such things as: finances, how your going rear your kids, religion, etc. * Finances: Doubtful that both of you will make the same at the same time during your marriage, figure out how...
by dekecarver
Mon Nov 12, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 61
Views: 5172

Re: Where to buy engagement ring?

IMOP, save the money and go with moisanite, after the initial breaking from tradition, you'll get over it unless you just have to have the real thing. Try selling your ring for what you paid; the appraisal, while it should be legit, again, try selling selling it for that amount. Again it comes down ...
by dekecarver
Thu Nov 01, 2018 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10584

Re: Spouse Diagnosed Non-curable Cancer -- what now?

Speaking from experience as a teen through my mid twenties with a much younger parent. Take a deep breath, step back, get things in perspective, be honest with your kids to the level that they will understand (they know and can understand more than you think perhaps), maintain as much normalcy as po...
by dekecarver
Sun Oct 21, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6233

Re: Pull kids from school for vacations?

Education is a concept that is not monopolized by any one body of instructors. Teachers are very adamant that only they can ensure that kids are educated well. Enrichment can only be offered by schools through field trips and summer trips which allow teachers to plan great breaks from standardized ...
by dekecarver
Sat Oct 20, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: 20 yr review of Mel's Unloved Midcaps
Replies: 23
Views: 6136

Re: 20 yr review of Mel's Unloved Midcaps

Thank you Mel. When I was looking at asset allocation I paid attention to your take on Midcaps way back. It made sense so I took a gamble; bought, held and added. Still chugging along for better or worse :sharebeer
by dekecarver
Fri Oct 19, 2018 3:51 pm
Forum: Personal Investments
Topic: What the heck to do with $2M windfall
Replies: 22
Views: 4271

Re: What the heck to do with $2M windfall

Depends on your age. If you are young (30s) invest in an equity mutual fund or 3 fund set up, skip the bonds and walk away. Time is on your side so even if the market tanks 50% your still left with $1mill as a principal amount to grow; assuming you still want to work at something. If completing shut...
by dekecarver
Wed Oct 17, 2018 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5135

Re: Kids not interested in money / allowance

Same here OP. Our 12 year old son's latest request is for a new gas leaf blower as the old electric one is getting long in the tooth and he has made the sales pitch. Go figure. I love it!
by dekecarver
Tue Oct 02, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Washington DC with Side Trips Mount Vernon & Monticello Advice
Replies: 11
Views: 838

Re: Washington DC with Side Trips Mount Vernon & Monticello Advice

By the time you leave and get out of DC, DC to C'ville is 3 hours then you have to get to Monticello. Just plan on making it a full day and enjoy the ride and visit. If you have a driver there are nice wineries on the way down or back if you go 66W then 29S. There is also the Bavarian Inn that you m...
by dekecarver
Mon Sep 24, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3503

Re: $450 for 1.5 hour plumbing job normal?

Tell him you will buy the copper and fitting and pay him $100 to do the job. He should have everything else needed which isn't much. Better yet, youtube it and see if it's something you can fix. Just realized you already paid. Anyways, its always a pretty good idea to youtube a job just to understan...
by dekecarver
Sat Sep 22, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3918

Re: Bathroom and Basement Remodel Costs

My experience with basements is that they really don't get used enough to warrant the cost of a high end job nor recoup the cost when selling. There is a cool factor that kids love and dig about basements but adults, not so much. I'm also a bit biased in that when I turn off the lights I don't want ...
by dekecarver
Sat Sep 22, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3754

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

"My step-son's grandmother bought him a 2011 Toyota Corolla in 2016. I explained to the kid that he will have 3 big expenses in life (trans,college,house)"

You forgot, potentially Marriage :D
by dekecarver
Fri Sep 21, 2018 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7992

Re: Leasing Cars in Retirement

Why not just buy what you want (work the deal) then take it to Carmax 3 years later and sell in 45 minutes, repeat process? Write the depreciation and overall cost off as a lease payments. Either way you end up with a new car every three years.
by dekecarver
Thu Sep 20, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3602

Re: Dental work and hypertension issue

Just curious, why do you need to be 'put under' for replacement crown? :?:
by dekecarver
Thu Sep 20, 2018 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 5053

Re: Dilemma: Add room to current house or buy new house?

Contractor friend told me to buy the turnkey house that meets your needs; after one expansion you will learn why.
by dekecarver
Mon Sep 17, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 11272

Re: Side Hustle Options/Suggestions.

Nissanzx1 wrote:
Thu Sep 13, 2018 3:51 pm
I buy items at yard sales and thrift stores and resell them online. It does require book keeping but it's enough money that it's changed our lives completely.
Would you mind sharing which sites you find most effective for selling on?
by dekecarver
Sun Sep 16, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2585

Re: Rain Jacket recommendations and care

livesoft wrote:
Sat Sep 15, 2018 5:26 pm
I'm waiting for jacket technology that keeps me dry while hiking with a 15 lb pack uphill at 4 mph in a Texas thunderstorm while it is 85-95 deg and 100% humidity.
Hike naked and let the moisture evaporate. :D
by dekecarver
Sun Sep 16, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2585

Re: Rain Jacket recommendations and care

Really depends on what you want. If it's style that is one thing; if just pure packable to stay dry from car to house etc, its hard to beat Frogg Toggs for performance and $.
by dekecarver
Fri Sep 14, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: Simba Backtesting Healthcare fund
Replies: 3
Views: 322

Simba Backtesting Healthcare fund

I was playing around with backtesting and backtested $10,000 in the Health care fund at 100% of portfolio starting in 1985 ending 2017. The ending balance ~$157000. I'd appreciate someone verifying that as an accurate number.I am running the sheet through OfficeLibre.

Thanks
by dekecarver
Wed Sep 05, 2018 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3618

Re: Sell our new home to downsize

Housing markets go up and down but some locations are much more stable than others for normal variation. If you are in a solid market I'd suggest running the numbers and adjust some of the other outlays to determine if you can still manage the house. The key IMOP is not to become a slave to the hous...
by dekecarver
Sun Sep 02, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Investing in the food industry
Replies: 13
Views: 948

Re: Investing in the food industry

Why not Monsanto or Conagra?
by dekecarver
Sat Sep 01, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3998

Re: The twenty dollar rule

My wife wouldn't even let something like this get started; she works, she contributes to the household, she spends her money the way she sees fit and I have no problem with that. In fact it's probably cheaper that way than a lawyer, stress or wondering.
by dekecarver
Thu Aug 30, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 7642

Re: Playing with Callan's periodic tables of investment returns

What I found interesting was playing around with Simba's spread sheet and comparing models, one of which was taking an asset class e.g. MidCap Index, MidCap Growth and MidCap Value ~33.3% each fund and comparing that over the long haul against other models. Did this after looking a the Callan's tabl...