Search found 393 matches

by dekecarver
Thu Nov 14, 2019 6:32 am
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 65
Views: 3901

Re: How to combine finances with your spouse? Recently married/early30s

My wife and I simply created a joint checking account for household expenses and each contribute a specified percentage based on our personal income factoring in expenses as a baseline. The rest goes to separate checking accounts which we use to max out our own 457 Deferred Comp, iras and taxable br...
by dekecarver
Sat Nov 09, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7226

Re: Should I buy the family cottage?

At that price I'd buy and would do so only as the sole owner. You have to figure though you will bare 100% of all maintenance/repair/tax and headache costs, so family use/access will be based on your kind heart and wanting to maintain those relationships; if you can accept those factors, enjoy.
by dekecarver
Sat Nov 09, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7534

Re: Do you charge your employer for the time that you spend working on your off days?

First thing to do is determine if your expectation and your boss's expectation is clearly understood and not assumed; often expectations are not clear especially when one side thinks, how could it be anything else but clear. Once you answer that question you may have to set parameters or make a choi...
by dekecarver
Fri Nov 08, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Name of estate on Computershare Form?
Replies: 4
Views: 250

Re: Name of estate on Computershare Form?

I recently been working with Computershare on stock transfer after the death of my father. I'd just call and ask the rep and just re-ask for clarity. So far they've been helpful.
by dekecarver
Thu Oct 31, 2019 5:31 am
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7301

Re: what was vanguard like before the internet?

Paper forms and phones to buy, sell and check balances, lol. I remember before I bought my first MF, I read to buy the management team not the fund and I ended up buying VG funds, Healthcare, Windsor and PrimeCap with what was then the minimal purchase amount; that was a lot of money to me at that t...
by dekecarver
Tue Oct 22, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Enlarge shower to include bench, walk-in tub, or both?
Replies: 40
Views: 2632

Re: Enlarge shower to include bench, walk-in tub, or both?

We put in a 6x4 low lip shower for the inlaws, large enough for a care taker to help with showering while FIL sits on a 4' shower bench. Works great
by dekecarver
Tue Oct 22, 2019 7:27 pm
Forum: Personal Investments
Topic: Inherited American Funds
Replies: 8
Views: 732

Re: Inherited American Funds

I recently inherited American funds and simply completed the transfer of ownership process at the holding firm and then had Vanguard initiate the transfer of that account to Vanguard with no problems. Once at Vanguard, I sold and integrated into my portfolio. I did not go through anyone at the origi...
by dekecarver
Mon Oct 21, 2019 4:55 am
Forum: Personal Investments
Topic: Large Position in Fidelity Blue Chip (FBGRX)
Replies: 24
Views: 2285

Re: Large Position in Fidelity Blue Chip (FBGRX)

Standard advice for getting out of a taxable investment that has large unrealized capital gains: 1. Stop any automatic reinvesting if that is used. 2. Give away shares to charity. 3. Give away shares to children or others that would pay lower taxes and have them sell it. 4. Sell shares later when i...
by dekecarver
Mon Oct 21, 2019 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirement income streams
Replies: 10
Views: 2305

Re: Retirement income streams

Thanks for the responses. I threw in SS b/c it is available at 62 although at a reduced rate, therefore something for me to think about.
by dekecarver
Sun Oct 20, 2019 8:29 pm
Forum: Personal Investments
Topic: Computershare to Schwab, individual to joint
Replies: 7
Views: 637

Re: Computershare to Schwab, individual to joint

I am currently in the process of initiating transferring ownership and then transferring to another brokerage. I needed the medallion signature to transfer ownership. I was told by the CS rep there is no fee to transfer to another broker once the stock is transferred into my name at CS.
by dekecarver
Sun Oct 20, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement income streams
Replies: 10
Views: 2305

Retirement income streams

While not retired yet it is within the foreseeable future, 5 years, therefore I've started thinking about income streams and the best way to tap for income, tax purposes and longevity and would appreciate some feedback/suggestions. Currently DW and I are state employees and will have a Defined Benef...
by dekecarver
Sat Oct 19, 2019 6:38 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10305

Re: What percent of net worth should a persons house be?

What percent of net worth should my house be? I'm thinking of upgrading my house and I don't want to use income as a measure since it keeps changing so I'd rather use net-worth measure. Also I'm 38 and will stay in this house till my kids (who are under the age of 5) finish high-school and possibly...
by dekecarver
Fri Oct 18, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10305

Re: What percent of net worth should a persons house be?

As an expense our house is about 10% of our net worth.
by dekecarver
Thu Oct 17, 2019 5:27 am
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 118
Views: 11459

Re: How to handle 5M capital gain (post-IPO)

Congratulations on your windfall. Wealth should bring pleasure, not pain. Please make a wise decision and go enjoy life. You have made it. This is true and I agree; if not careful it's like sitting at the gambling table with an exceptional run and thinking "that was easy, lets go for more". The onl...
by dekecarver
Wed Oct 16, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5001

Re: Prenuptial agreement for moderately successful 30 year olds

Prenups; ah you don't need it until you wished you had it. My sixty year old friend in his first marriage with a 14 year old (his) just told me tonight he is getting a divorce. Life changing event by all accounts, I guess retirement will be delayed :oops: Don't know if he has a prenup, I hope so.
by dekecarver
Wed Oct 16, 2019 5:05 am
Forum: Personal Consumer Issues
Topic: coin collection - sell or keep?
Replies: 17
Views: 2391

Re: coin collection - sell or keep?

Familiarize yourself with key dates for each coin set. Pull those from your collection and determine if worth grading or not; if so go over to coincommunity website and post pictures to get an idea of what you have grade wise and perhaps value; make decision to keep or sell. You could sell the rest ...
by dekecarver
Mon Oct 14, 2019 5:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for framing a large photograph
Replies: 12
Views: 923

Re: Recommendations for framing a large photograph

Part of our business before retirement included three very successful custom frame shops, and a good portion of our business was correcting a chain store’s framing. Archival framing is expensive, but if the photograph means anything to you, it’s worth it. Find an independent frame shop, find their ...
by dekecarver
Sun Oct 13, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5148

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I grew up on the BR Pkwy so to speak, hunting during the Fall and fishing for brookies during the Spring and Summer. Fall is the time to drive the BR but it can get crowded and even if not you are not driving fast, so a short drive can take some time. Same goes for the Shenandoah Pkwy. Both offer so...
by dekecarver
Fri Oct 11, 2019 4:52 am
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4462

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

Brakes are a rip off/profit maker. Mechanic will do the job on both rear wheels in about an hour. If you have a few tools or can borrow, you can do the job for $50 and about an hour or two of time if you think you can do so safely e.g. jack car, stabilize on jack stand etc..
by dekecarver
Mon Sep 30, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1644

Re: 1950's blonde mahogany furniture

Thanks for the recommendations.
by dekecarver
Mon Sep 30, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1644

1950's blonde mahogany furniture

I've inherited my grandparents 1950's blonde mahogany furniture and don't want it. I'd appreciate any recommendations on the best way to sell this type of furniture, if its not worth the trouble then a donation is in the making. The furniture is in like new condition. Thanks in advance
by dekecarver
Sun Sep 29, 2019 4:50 am
Forum: Personal Investments
Topic: TrevH
Replies: 1
Views: 485

TrevH

Just curious whatever happened to TrevH, leave the site, post else where etc..?
by dekecarver
Sat Sep 28, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: When and should I buy dream car? 1997 Toyota Supra
Replies: 36
Views: 2723

Re: When and should I buy dream car? 1997 Toyota Supra

You are getting close to having a historic car which is at least 25 years, at least in my state of residence, in which you can get cheaper insurance through Hagerty or American Collectors Insurance. I have a '77 Datsun 280z which used belong to a family member. Have been offered other cars and cash...
by dekecarver
Sat Sep 28, 2019 4:28 pm
Forum: Forum Issues and Administration
Topic: Why don't members include location?
Replies: 25
Views: 1864

Re: Why don't members include location?

I don't live in the desert but I visited one one time and it was beautiful but too brown :D I live inside a very small city but outside a large city. :D
by dekecarver
Sat Sep 28, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Aruba in Dec
Replies: 13
Views: 961

Re: Aruba in Dec

Very nice place. The island tour taking quads is worth the time, we used Offroad Evolution and it was awesome and I'd go back with them; very personable, hits the spots before the large operators get there, ask you what you want to do, etc.. In regards to food, yeah the food can be really good, but ...
by dekecarver
Sat Sep 28, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6308

Re: Do you wash berries?

I do a quick rinse in cold water to knock off dirt, tods on a paper towel to dry and then eat. Interestingly strawberries seem to lose some flavor after a rinse off
by dekecarver
Sat Sep 28, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7344

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

More importantly is that he better have a huge arse nest egg before he retires to live on $350K/yr in retirement. How much would that nest egg need to be?
by dekecarver
Thu Sep 26, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Stump Grinder - Ridiculous Side Hustle??
Replies: 51
Views: 7406

Re: Stump Grinder - Ridiculous Side Hustle??

In NOVA, stump grinding for mature tree runs an extra $300-350.
by dekecarver
Thu Sep 26, 2019 2:49 pm
Forum: Personal Investments
Topic: inherited stock TOD TEN COM
Replies: 9
Views: 661

Re: inherited stock TOD TEN COM

My understanding is that this is not going through probate. Are there beneficiaries listed on the account? Whoops, I confused this thread with another similar thread. What does OP mean by TOD TEN COM? Transfer on Death? Tenancy in common? Not really sure. Yes, Transfer on Death (my name) and (my si...
by dekecarver
Thu Sep 26, 2019 2:46 pm
Forum: Personal Investments
Topic: inherited stock TOD TEN COM
Replies: 9
Views: 661

Re: inherited stock TOD TEN COM

aristotelian wrote:
Thu Sep 26, 2019 1:43 pm
dekecarver wrote:
Thu Sep 26, 2019 12:59 pm
My understanding is that this is not going through probate.
Are there beneficiaries listed on the account?
Yes both are.
by dekecarver
Thu Sep 26, 2019 12:59 pm
Forum: Personal Investments
Topic: inherited stock TOD TEN COM
Replies: 9
Views: 661

Re: inherited stock TOD TEN COM

My understanding is that this is not going through probate.
by dekecarver
Thu Sep 26, 2019 12:16 pm
Forum: Personal Investments
Topic: inherited stock TOD TEN COM
Replies: 9
Views: 661

inherited stock TOD TEN COM

Another question regarding inherited assets. My sister and I inherited stocks from our deceased father as (TOD Ten Comm) held by Computershare. Computershare has informed me that that will not split the the shares, that we have to do that on our own and offered no other assistance other than the pap...
by dekecarver
Wed Sep 18, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: TrevH's 4 Fund Portfolio
Replies: 8
Views: 2363

Re: TrevH's 4 Fund Portfolio

Just curious whatever happened to TrevH, leave the site, post else where etc..?
by dekecarver
Tue Sep 17, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: What generalist books attempt to explain human nature?
Replies: 39
Views: 2671

Re: What generalist books attempt to explain human nature?

I don't have a specific book but offer; humans: will always be in conflict and as long as there are two people on earth, there will be conflict and one has to be alpha for the most part humans are pack animals and follow that structure regardless of politics, religion, family orientation etc. have b...
by dekecarver
Tue Sep 17, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49752

Re: Selling home- Demanding Buyer (Repairs)

Just passing along that although I have no experience doing this, I've watched my sister sell several homes (her's) by starting off with a high asking price and reducing the price incrementally by 5% on a short time frame if needed to move the house. This has been a very successful strategy for her ...
by dekecarver
Tue Sep 10, 2019 4:57 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6436

Re: Did humanity ever make good Gas cans

Yes, an empty re-purposed plastic one gallon milk jug.
by dekecarver
Sun Sep 08, 2019 1:37 pm
Forum: Personal Investments
Topic: Question regarding setting up up buckets
Replies: 2
Views: 337

Question regarding setting up up buckets

Just curious as to how you have set up various buckets for example when setting up 3 fund or more asset portfolio when you have the following options for both husband and wife if this applies or some variation. In our case we are 4 years apart in age. Tax deferred 457 (both) Tax deferred 401b (both)...
by dekecarver
Wed Aug 28, 2019 5:09 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6959

Re: Purchasing a truck - thoughts?

Buy a great ev and get back to me... Logic... As people say with mortgages... find a person done with a mortgage and switches back... find me an Outstanding EV owner person who pours money into a gas tank after. Hahahha Future is important no?? Everyone sees an electric future. Those there now reap...
by dekecarver
Mon Aug 19, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6204

Re: 50-60k boat purchase??

It's your money, it makes sense, buy what makes you happy.
by dekecarver
Thu Aug 15, 2019 4:52 am
Forum: Personal Investments
Topic: withdrawl strategies
Replies: 2
Views: 563

Re: withdrawl strategies

FiveK, thanks for the links.
by dekecarver
Wed Aug 14, 2019 7:51 pm
Forum: Personal Investments
Topic: withdrawl strategies
Replies: 2
Views: 563

withdrawl strategies

Now that I am thinking about retirement within the next five years (will be 59 1/2), withdrawal strategies are starting to dance through my head and I'd appreciate words of wisdom and thoughts on the most tax efficient withdrawal strategy. etc.. The buckets will include the following: [*]inherited n...
by dekecarver
Wed Aug 14, 2019 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Mentoring in the office - what to expect?
Replies: 25
Views: 2974

Re: Mentoring in the office - what to expect?

Mentoring is not for badmouthing etc.. Keep the discussion on business with a focus on how you can improve, bounce ideas for validation (going down the right track, how to think through or take into consideration variables that may effect a plan of action, strategic issues..) and listen for words of...
by dekecarver
Mon Aug 12, 2019 4:54 pm
Forum: Personal Investments
Topic: Accts from other organisations: Yodlee
Replies: 7
Views: 438

Re: Accts from other organisations: Yodlee

Thanks for the input, confirmed my reservation and course of action.
by dekecarver
Mon Aug 12, 2019 5:36 am
Forum: Personal Investments
Topic: Accts from other organisations: Yodlee
Replies: 7
Views: 438

Accts from other organisations: Yodlee

Hi,
Just wondering for those of you who have accts at other institutions, do you use the service provided by Vanguard/Yodlee to support a centralized visual of your accts on the VG site and/or when using PAS, if so do you find this helpful? Thanks
by dekecarver
Sun Aug 11, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Looking for lake house in Southeast, recommendations
Replies: 15
Views: 2118

Re: Looking for lake house in Southeast, recommendations

Smith Mountain Lake, Virginia.

522 miles of shoreline, deep clean water, lake doesn't freeze over, 4 seasons, close to Roanoke and Lynchburg, 1 hour to the mountains, 4-5 hours to Carolina beaches, major airports within 2.5-4 hours drive, fairly slow pace of living, ....
by dekecarver
Mon Aug 05, 2019 5:21 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1915

Re: Pontoon Boat Recommendations?

DD has two pontoons, (1) 28 ft stern drive and (1) 22 ft. outboard. Regardless of size and drive just make sure it is set up right with hp, otherwise it's a waste as you mentioned. Also make sure if you buy, there is a reputable marine service center that works on your set up, this is key in my opin...
by dekecarver
Thu Aug 01, 2019 5:09 am
Forum: Personal Investments
Topic: Tax withholding on nonspouse beneficiary tira and roth
Replies: 7
Views: 425

Tax withholding on nonspouse beneficiary tira and roth

First off thanks for previous replies regarding inheriting assets from my father's estate. Another question: On the paper work for the tira and roth, there is a tax withholding section where I am to designate how much tax I want withheld, is there a standard percentage I should use to cover that? Th...
by dekecarver
Wed Jul 31, 2019 1:10 pm
Forum: Personal Investments
Topic: inherited annuity contract
Replies: 8
Views: 1021

Re: inherited annuity contract

Thank you all for your replies and the follow up info, this board is a huge help.
by dekecarver
Tue Jul 30, 2019 5:54 pm
Forum: Personal Investments
Topic: inherited annuity contract
Replies: 8
Views: 1021

Re: inherited annuity contract

See questions below. Recently my father passed away and in addition to tira, roth, individual brokerage accts; I received notification that I am the beneficiary on a annuity contract that has the following options: -lump sum and 5 year payout -annuity and stretch payments tax status: qualified This...
by dekecarver
Mon Jul 29, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: [Niagara Falls in September]
Replies: 12
Views: 583

Re: [Niagara Falls in September]

Thanks for all the replies, we are looking forward to the trip.