Search found 288 matches

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: 3187

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: 3533

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: 3367

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: 97
Views: 6996

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: 3336

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: 4548

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: 9835

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: 2385

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: 2385

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: 273

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: 3423

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: 847

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: 3845

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: 6649

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...
by dekecarver
Tue Aug 28, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28125

Re: What to do after losing $117k in stock market?

Work on accumulating enough that a $117K loss is not worth the mental/physical time to worry about it; seriously. Or reevaluate your risk tolerance and go forward from there.
by dekecarver
Mon Aug 27, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3009

Re: Healthcare Careers

I've been an RN for 25 years both clinical and administrative. The wave now is BSN minimum and a big jump to DNP (Doctorate of Nursing Practice). I've been really surprised at the number of applicants that we are getting with BSN degrees and in process of pursuing MSN>DNP. In mental health I am seei...
by dekecarver
Wed Aug 22, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12268

Re: Good Non-Boring Boglehead Cars Under $30k

Well maintained Porsche Boxster S or Cayman S, 2009 and above, pick your price range. Key is well maintained and pre-purchase inspection by reputable Porsche mechanic.
by dekecarver
Tue Aug 21, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 4959

Re: Is divorce a wise financial move?

Sometimes a business contract can be more expensive than a marriage and vice versa.
by dekecarver
Mon Aug 20, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7598

Re: My son was scammed on Craigslist- how to get money back

You can probably figure out who did this and complicate their life long term and probably get your money back at some point. It would be a good educational exercise for the kid. File a John doe case, get a subpoena serve boa with the subpoena and request all opening docs and statements for account ...
by dekecarver
Sun Aug 19, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: New Zealand
Replies: 17
Views: 1608

Re: New Zealand

Thanks for the replies. The camper van option is sounding very interesting.
by dekecarver
Sat Aug 18, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: New Zealand
Replies: 17
Views: 1608

New Zealand

I have an interest vacationing with my wife and 12 year old son in New Zealand for about three weeks next year. One thing that I would like to do is trout fish in the mountains and the rest of the trip can be anything. Knowing the diversity of the board, I'd appreciate any feedback regarding time of...
by dekecarver
Sun Aug 12, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12585

Re: Joint Ownership of home with second wife

To clarify, I don't think she has a problem with them inheriting wealth as minors under the supervision of a guardian (e.g. if I die, a life insurance policy would pay out to a trustee, whom would make payments to the legal guardian until the age of 18). I think her problem is with "trust fund unde...
by dekecarver
Sat Aug 11, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12585

Re: Joint Ownership of home with second wife

As long as this thread has run, identified serious implications for the OP and his children based on the info provided, and the OPs continued longing for love (?) and marriage, I'm starting to wonder of the veracity of the situation. It has become somewhat of a soap opera situation. It does make for...
by dekecarver
Thu Aug 09, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2400

Re: "Why are you leaving your current job?"

I interview various levels of skill mix personnel on a weekly basis and I meet with students to talk about career paths and of all things, interviewing. I've maintained a few grounding principals: 1) don't tell the interviewer what you think they want to hear, 2) be honest, professional, tactful, 3)...
by dekecarver
Mon Jul 30, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12585

Re: Joint Ownership of home with second wife

I have a very difficult home ownership problem that I'm looking for advice on. I am about to embark on a second marriage and hoping to buy a house in the not so distant future. I have children and my spouse does not, so clearly I am concerned about estates and divorce as well. To compound this we h...
by dekecarver
Mon Jul 30, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12585

Re: Joint Ownership of home with second wife

Whatever you do, do something to protect your kids financially . If something happens to you or to the marriage and you don't have things locked down, forget it. If she is not willing to work with you on this, forget it. Once you are commingled financially especially with a big purchase house, forge...
by dekecarver
Sun Jul 29, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5449

Re: Why dont people sit outside more? And how to deal with bugs?

Way to many other options rather than sit outside anymore, especially for kids.

I'm outside more than inside. I treat clothing with permethrin and if sitting around a grill etc, you can't beat a
Thermacell.
by dekecarver
Sun Jul 29, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5794

Re: Regret Public School?

I went to one of the BEST public schools in America, and here are my observations... The real issue is HOW MUCH TIME can the parents spend with their kids reinforcing what was learned in school. How motivated and disciplined are the kids... Show me a kid that will study and NOT watch TV and play on...
by dekecarver
Sat Jul 28, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4299

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

Just a word of caution, when you decide to act, ask yourself what is the real objective of your action and are you prepared for the potential outcome. Sometimes things are better left alone especially after some time has passed. Time does heal wounds, scars last forever but reopening wounds for the ...
by dekecarver
Sat Jul 28, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Buying an electric golf cart
Replies: 6
Views: 833

Re: Buying an electric golf cart

Shop around as price can very. If you know a golf pro who can hook you up with a regional buyer who takes them back from clubs etc, you may be able to get a very good deal. (Price can run from $1500-$3000ish). My dad has used one for 10 years, in need of repair now and he comments on how much he cam...
by dekecarver
Sat Jul 28, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5794

Re: Regret Public School?

Just another thought; when is the last time you heard of a kid being held back because of grades? That was fairly common years ago for 3rd, 5th and 7th graders; now days, "how dare you not pass my child", hence mastery learning and grading, yes I'm oversimplifying. Bottom line is some kids aren't cu...
by dekecarver
Sat Jul 28, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5794

Re: Regret Public School?

My experience was the best drugs were available at the private schools, some parents didn't have a clue (no different than some public school parents), parent involvement is just as important as student involvement in both private and public schools, students in both private and public cheat/plagiar...
by dekecarver
Thu Jul 26, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For Friend Going Through Divorce
Replies: 25
Views: 3477

Re: Advice For Friend Going Through Divorce

If possible, avoid attorneys or at least minimize their impact. Go through a mediator, stay amicable as possible, sell the need to the pending ex-spouse to stay objective as a way for both sides keeping as much of their $ as possible vs giving a huge percentage to the attorneys who may very well wan...
by dekecarver
Thu Jul 26, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4299

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

Sometimes the best decision is to walk away from money, what you get in return can be far more valuable.
by dekecarver
Wed Jul 25, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8125

Re: Son Hurt at Summer Camp

I think for the most part, parents who raised their kids in the 50s, 60s, 70s and 80s as kids probably laugh this off. Somewhere around the late 80s through today the "everybody gets a trophy and what else can I get from a boneheaded minor accident" movement has just gotten out of hand; even getting...
by dekecarver
Tue Jul 24, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 8124

Re: Is it possible to change one's career in their 40s?

What ever you do as a second career, just make sure it is something you: want to do, can live with, can make a living at and won't complain about. Otherwise stay with what you are currently doing and make it work. Life is too short not to scratch an itch.
by dekecarver
Tue Jul 24, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8125

Re: Son Hurt at Summer Camp

If there was no serious injury and no bonafide negligence, I'd say move on; accidents happen. You cannot fool proof every building, field etc. If you were at the grandparents house and the same thing happens in the basement, on the boat dock etc would you seek compensation from your parents if an in...
by dekecarver
Tue Jul 24, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 65
Views: 6425

Re: I want to sell my home, but I don't want to fix it up

My in-laws recently sold their house "as is" after discussing with a realtor. Nice house in a HCOL area that needed a few things around $10Kish. No problem selling as no structural or need for major repair issues.
by dekecarver
Mon Jul 23, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Real estate partnership
Replies: 14
Views: 1067

Re: Real estate partnership

Keep in mind trying to make money by 1) laying out capital and 2) renovating is tied together by time. You guys will have to figure that out as a time delay (hidden renovation work needed) can throw a big wrench in the works. With the commitment from each of you, the work will get done, but there is...
by dekecarver
Mon Jul 23, 2018 7:44 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 128
Views: 26568

Re: THE 60/40 SOLUTION by Peter Bernstein

asset_chaos wrote; I have no evidence of where the 60:40 conventional wisdom came from. THE 60/40 SOLUTION by Peter Bernstein Best wishes. Taylor That's a good article, which I've read before, but it doesn't say where 60:40 comes from, just that 60:40 "was so popular in the era before the bull mark...
by dekecarver
Sun Jul 15, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2631

Re: Logging out 20 acre lot?

mouses wrote:
Fri Jul 13, 2018 2:22 pm
That's a lot of wildlife habitat that you'd be destroying by logging. Think of the poor animals.
Unfortunately, unmanaged forest eventually turns sterile to some degree. Responsible land management is imperative to healthy wildlife growth.
by dekecarver
Fri Jul 06, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3770

Re: Anyone Tried Costco Travel Packages?

Depends on your objective. I'd price out simple trips and compare to package. We did a package for Aruba recently; nice but I would price out the next time just to compare what else is available.
by dekecarver
Tue Jun 26, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22009

Re: Did you celebrate when you finally hit $1m?

I sat at the table running the numbers, chuckled quietly, got a beer and went for a walk. I was a little dissapointed as I missed my goal of reaching that milestone by an earlier age. Since then I've wised up, drink a little better quality beer and try to walk a little further each time out.
by dekecarver
Tue Jun 26, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7605

Re: Family dynamics/in laws/am I being petty?

When it's my wife's family (big family lots of kids and the adult kids show up as well), I simply stay out of it. I eat, drink and enjoy the company and let her take care of the split, I don't want to know. It all comes out in the wash, at least that's what I tell myself. My BIL bailed my out one ni...
by dekecarver
Tue Jun 26, 2018 5:25 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 14337

Re: Why not go 100% stocks?

I did then, changed up a bit as I got older; my 80 year old dad is still 100%. My thought is if you start at an early age with a 30-40 year horizon to let it ride e.g. 100% Mid Cap, there comes a point where you have accumulated enough that if the market dropped 50%, you'd still have enough not to w...
by dekecarver
Sat Jun 23, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6878

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

If working on oil rigs may I ask what type of job, e.g medical service, diver..?
by dekecarver
Wed Jun 20, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Amazon?
Replies: 17
Views: 1436

Re: Selling Amazon?

Long story short we have some individual stocks ±2000-5000 in I plan on selling most of them but was planning on keeping my biggest loser (GE) as a cautionary tale since it's worth very little now. But looking at selling Amazon, I have literally doubled my money since buying it and I really believe...
by dekecarver
Mon Apr 02, 2018 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 15735

Re: Healthy eaters -- is this grocery budget normal to you?

It's easy to eat healthy and cheap. You just have to make yourself do it. Breakfast - Oatmeal, Eggs Lunch - Salad or Soup Dinner - Protein of choice and vegetables Dessert - in season fruit and dark chocolate This is spot on IMOP. And so much variety available to not be boring and fit different tas...
by dekecarver
Mon Apr 02, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 15735

Re: Healthy eaters -- is this grocery budget normal to you?

To the OP, okay you eat healthy foods but how much healthy food do you eat per meal? Also the labeling of organic etc doesn't necessarily mean that from start to finish, so be careful in what you think you are buying. If you consume alcohol, is that included in you monthly grocery bill? In regards t...
by dekecarver
Sat Mar 24, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 2048

Re: Recently Engaged, Considering Joint Account(s)

From experience: Keep your monies separate while you are engaged and if you do marry, do not co-mingle any monies that you accrued prior to marriage. Always have a fallback nest egg no matter the situation. While engaged think about setting up a separate account that the contribution is based on wha...