Search found 605 matches

by mw1739
Thu Oct 17, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 95
Views: 4810

Re: Should I take the job in OKC or Orlando?

I’ve visited both. Would lean towards OKC but it sounds like you really want to live in Orlando. I would hold off for a better position in Orlando.
by mw1739
Tue Sep 17, 2019 4:55 am
Forum: Personal Consumer Issues
Topic: Teladoc-Specifically through FloridaBlue
Replies: 5
Views: 412

Re: Teladoc-Specifically through FloridaBlue

I’ve used it several times through my Blue Cross plan. I think it’s a $10 or $15 copay vs. $35 for urgent care for me so it’s a no brainer for minor issues. No complaints about the quality of care - they’re licensed doctors in your state (I’ve actually used it while traveling and gotten docs local t...
by mw1739
Wed Sep 11, 2019 6:37 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4332

Re: Buying 1/2 pint drinks in bulk for lunches?

Is school lunch really $55 per week for 2 kids? That seems really expensive. Glad I'm not the only one thinking that's high. That works out to $5.50/day per kid. I just looked up my kids school: $2.70 for lunch and $0.50 for milk. My kids are free to get milk, but 90% of the time drink the water we...
by mw1739
Thu Sep 05, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3307

Re: How often do you receive out-of-sequence pay bumps?

Received a 5% bump in pay today unexpectedly. This is generally the standard “unexpected” pay bump for my company. Frankly I’ve been coasting this year so it was pretty unexpected, but I must still be doing enough to impress my boss.
by mw1739
Fri Aug 30, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3246

Re: Side Hustle

I do surveys online for cash or Amazon gift cards. Probably not the most lucrative but easy to do at night while watching tv or any dead time throughout the day. Pay is roughly $10/hr.
by mw1739
Wed Aug 28, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Anyone here on Verizon Prepaid? Deprioritization?
Replies: 23
Views: 1823

Re: Anyone here on Verizon Prepaid? Deprioritization?

I am on Verizon prepaid. I occasionally have issues at big events like baseball games or indoor concerts, but I couldn't tell you if that is due to general congestion on the network, poor coverage in certain buildings, or deprioritization for prepaid. I don't know how anyone could definitely say th...
by mw1739
Sun Aug 25, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Technology in K-8 Education
Replies: 51
Views: 1876

Re: Technology in K-8 Education

As someone with kids a few years older than you, I can say that every school (public and private) use iPads or laptops, so unless you homeschool there is no way to completely avoid the use. My experience has been that technology is used as a tool to reinforce lessons already taught. A few positives ...
by mw1739
Sat Aug 10, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 28
Views: 2533

Re: Emergency medical insurance (Helicopter transport, etc)

My son and I were transported last year on separate helicopters about 45 minutes away. Before we even got a bill, Air Methods (I understand they’re the largest company in this business) sent me a blank personal financial statement they wanted filled out. I called the company and made sure they had m...
by mw1739
Fri Aug 09, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: "Unlimited" mobile phone data. Don't need it. But I may need up to 10G a month. Dunno... options with Mint?
Replies: 13
Views: 1079

Re: "Unlimited" mobile phone data. Don't need it. But I may need up to 10G a month. Dunno... options with Mint?

Switched to Verizon Pre-Paid a few months ago. 15GB for $45 (plus $5 off for autopay). Includes tethering a throttled internet after the 15GB.
by mw1739
Thu Aug 08, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4324

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

Treat yourselves to something nice but don’t go buy a 50k car as a reward. The wealthiest person I know once told me to never buy a new car until you’re a millionaire. Clearly our society doesn’t follow that advice, but I think it applies here.
by mw1739
Thu Aug 08, 2019 9:30 am
Forum: Personal Investments
Topic: Teacher pensions make for unique retirement planning
Replies: 18
Views: 1990

Re: Teacher pensions make for unique retirement planning

As other posters stated, I wouldn't rely completely on your pension income given your ages. The state may change the pension formula to make it less lucrative in the future. I would start by maxing out each of your Roth IRAs. I would put it 100% in stocks given your pension serves effectively like a...
by mw1739
Thu Aug 01, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Favorite Lunch Box or Bag
Replies: 22
Views: 1156

Re: Favorite Lunch Box or Bag

My wife told me a grocery bag wasn’t very professional so she bought me a small set off Amazon. Came with two sizes for different size lunches. Pretty happy with her decision.
by mw1739
Tue Jul 30, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Working four days a week
Replies: 21
Views: 1644

Re: Working four days a week

I work what we call 5/4/9 schedule, with every other Friday off. I work 44 hours the first week and 36 hours the 2nd week (still at 80 hrs every pay period). I love having a 3 day weekend every two weeks, but admittedly I would like every Friday off. As someone else stated, telework also helps a ton...
by mw1739
Mon Jul 29, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: rachio smart sprinkler controller
Replies: 12
Views: 1542

Re: rachio smart sprinkler controller

Installed a Rachio 3 earlier this year. Loving the capabilities so far. Water bill appears to be flat/slightly higher, but the lawn is looking great despite the high temperatures lately.
by mw1739
Thu Jul 25, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial Real Estate knowledge and/or experience? Help!!
Replies: 25
Views: 1485

Re: Commercial Real Estate knowledge and/or experience? Help!!

A bank would typically lend 75-80% of the value, meaning your $1 million down payment would limit you to a total cost of $4-5 million.
by mw1739
Thu Jul 25, 2019 8:24 am
Forum: Personal Investments
Topic: Donor Advised Fund: Asset Allocation
Replies: 13
Views: 834

Re: Donor Advised Fund: Asset Allocation

Our DAF has roughly 5-10 years worth of donations in it, so it's heavily invested in total stock market. I used to keep 1 years estimated donations in cash/bonds, but I've gotten away from that (primarily out of inattention to the account).
by mw1739
Sat Jul 20, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Replacement Windows
Replies: 30
Views: 1974

Re: Replacement Windows

You might also consider pricing out adding a window film to reduce the infrared heat coming in through the windows. Another alternative, if the window frames are good, is to replace just the glass. Get some glass companies to quote replacing the insulated glass units. I'd recommend multiple quotes,...
by mw1739
Fri Jul 05, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 5988

Re: 50-60k boat purchase??

Buy it! I want to live vicariously through you. I keep thinking I will scoop one up cheap during the next recession, but in the meantime I’m dying to have one.
by mw1739
Mon Jul 01, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5756

Re: Frontier or Spirit Airlines

Thanks for confirming my suspicions. Some people seem to like them, but when it goes wrong it gets really bad. Guess I will continue avoiding them.
by mw1739
Mon Jul 01, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5756

Frontier or Spirit Airlines

Looking for recent experiences with either Spirit Airlines or Frontier. It's long been my policy that my income and net worth allow me to book more expensive flights with the larger carriers to preserve my safety and reduce the hassle factor. However, I've run into a situation where both Spirit and ...
by mw1739
Sun Jun 30, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Medical Evacuation Insurance
Replies: 14
Views: 1293

Re: Medical Evacuation Insurance

Like everything, it depends on your personal circumstances. I'll point out that, controversially, the biggest air ambulance company is charging people more than $40k, and sometimes they tell the person that they can't take a ground ambulance when they actually can. They also use very aggressive col...
by mw1739
Mon Jun 24, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - Uninsured/Underinsured motorist coverage
Replies: 11
Views: 1216

Re: Umbrella insurance - Uninsured/Underinsured motorist coverage

We have it but I can’t recall the explanation from our agent on why it’s needed. I think it roughly doubles the cost of our umbrella though.
by mw1739
Sat Jun 15, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9474

Re: IPhone 6 - showing some age

Does anyone know the best place (cheapest) to buy a new iPhone outright? Not interested in financing it.
by mw1739
Tue Jun 04, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Confirm my Understanding of Estimated Taxes
Replies: 15
Views: 1473

Re: Confirm my Understanding of Estimated Taxes

I disagree with the recommendation to withhold 100% of prior year tax in this situation for two reasons. First, the OP indicated that 2019 income will consist of wages and some dividends and be less than $150K. The OP implies that 2018 income was similar, except for a "big capital gain" that is cer...
by mw1739
Mon Jun 03, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Confirm my Understanding of Estimated Taxes
Replies: 15
Views: 1473

Re: Confirm my Understanding of Estimated Taxes

I go for withholding 100% of what was owed last year. You can know for sure what was owed last year. This year's income and resulting taxes can surprise you. I can estimate probably close to the nearest dollar what my compensation will be. I receive no bonuses and no stock based compensation. W-2 p...
by mw1739
Mon Jun 03, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Confirm my Understanding of Estimated Taxes
Replies: 15
Views: 1473

Confirm my Understanding of Estimated Taxes

Due to my inattention, we grossly underpaid our taxes in 2018, leading to a large amount due in April 2019, along with penalties. The software automatically generated estimated tax forms for 2019. My wife and I are W-2 employees with AGI < $150,000 for 2019. Am I ok just withholding at least 90% of ...
by mw1739
Thu May 30, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 15291

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

Congrats to your parents on achieving the American dream. A few thoughts and comments I had when I read your post: 1. A 2% yield on $5.5 million in RE seems very low ($110,000/year) and unable to support a family in one of the cities you mentioned. 2. Your parents (and yourself) need to meet with a ...
by mw1739
Thu May 30, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7603

Re: $3k for teen club soccer

quantAndHold wrote:
Wed May 29, 2019 10:07 am
9 year old kids have travel teams?
My 6 year old was asked to join the travel team last year, but we deferred. We will likely join this year (when he's 7) for the advancement opportunities.
by mw1739
Wed May 29, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3327

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

Our GE double oven is 16 years old and still running strong. We rarely (maybe 1x a year) use the self-cleaning option.
by mw1739
Thu May 23, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Short (3 night) Catamaran Charter in USVI or BVI
Replies: 14
Views: 1227

Re: Short (3 night) Catamaran Charter in USVI or BVI

We did it about 10 years ago in the BVI and had a fantastic time. Please post back who you use, because we're talking about doing a similar trip next year.
by mw1739
Tue May 21, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fair mortgage rate with great credit and 40% down payment?
Replies: 29
Views: 1476

Re: Fair mortgage rate with great credit and 40% down payment?

If you’ve submitted an application with USAA you will receive a 3 page loan estimate within 3 days listing the terms and estimated closing costs. Every lender must provide this after receiving a complete application. While your credit profile looks good, once your score is over 760-780 (depending on...
by mw1739
Tue May 21, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Escrow issues with Fifth Third
Replies: 10
Views: 864

Re: Escrow issues with Fifth Third

Fifth Third paid my property taxes late a few years ago and I had to argue with them to get the late fee paid, otherwise I haven't had any issues with my escrow. I'll PM you the email address I had to use to get my escrow account worked on due to the late fee.
by mw1739
Mon May 20, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Milorganite, Purely Organic or Ringer Lawn Restore?
Replies: 5
Views: 539

Re: Milorganite, Purely Organic or Ringer Lawn Restore?

I use Milorganite regularly. While I've never seen my dogs eat it, they do like to roll around in it, which leaves them with a certain smell ... My preferred application method is to take the dogs outside one last time for the evening and then apply the fertilizer. The sprinklers run overnight/earl...
by mw1739
Mon May 20, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Milorganite, Purely Organic or Ringer Lawn Restore?
Replies: 5
Views: 539

Re: Milorganite, Purely Organic or Ringer Lawn Restore?

I use Milorganite regularly. While I've never seen my dogs eat it, they do like to roll around in it, which leaves them with a certain smell ... My preferred application method is to take the dogs outside one last time for the evening and then apply the fertilizer. The sprinklers run overnight/early...
by mw1739
Fri May 17, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Cost to regrade/flatten a backyard
Replies: 26
Views: 1854

Re: Cost to regrade/flatten a backyard

Your price for re-grading and sod sounds about right for a 1/4 acre yard, but your price ($60/square foot) is off if you truly have 1/4 acre (approx. 10,000 square feet). That would be $60k vs. the $23k estimate.
by mw1739
Fri May 17, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 18
Views: 1882

Re: Usefullness of 2 in 1 laptops?

Thanks for the feedback. My choice is between a Dell and a Dell, so the "go get a Thinkpad" comments are entirely relevant. I think I'll give the 2 in 1 a try.
by mw1739
Thu May 16, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6465

Re: Which car has the best or most comfortable cabin under 35K

I paid right about $35k out the door for my fully loaded Avalon. I regularly make 2-5 hr. drives and find it very comfortable. The one feature I wish my car had (the newest model does, I believe) is the adaptive cruise control. Other cars I considered were the Lexus ES (more expensive Toyota), Volvo...
by mw1739
Wed May 15, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 18
Views: 1882

Re: Usefullness of 2 in 1 laptops?

Thanks for the input. Glad to hear that the 2 in 1 is useful and the note-taking is at least decent.
by mw1739
Wed May 15, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 18
Views: 1882

Usefullness of 2 in 1 laptops?

My company is rolling out new laptops this year and one of the choices is a Dell 2 in 1 convertible laptop that converts to a tablet and comes with a stylus pen you can use to take notes. I’m wondering how useful the 2 in 1 feature is, and how well the system is able to read handwriting? My typical ...
by mw1739
Mon May 13, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1663

Re: Internet speed recommendation

Hi, I'm currently on Comcast 150mpbs plan with just 10 channels (I never use cable). I was paying $60 a month and my promotion is up and now the price will go up. If I go with the 60mpbs plan, it's $65 a month and if I go with 150mbps, it's $75 a month. My usage is mostly Netflix/Hulu with 1 device...
by mw1739
Mon May 13, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Does vision insurance cover online eyeglass purchase?
Replies: 7
Views: 688

Re: Does vision insurance cover online eyeglass purchase?

If you log into the vision insurer’s website, usually you will find a description of the plan benefits including providers and services covered. My plan this year includes online contact lens provider 1-800-Contacts and online glasses provider Warby Parker. +1 - My United Healthcare vision plan rec...
by mw1739
Sun Apr 28, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Downsides to Total Wireless as alternative to Verizon?
Replies: 18
Views: 14607

Re: Downsides to Total Wireless as alternative to Verizon?

You should switch to Verizon prepaid and then buy your refills on eBay. Unlimited talk/text/15gb internet is nominally $40/mo but you can purchase $40 verizon cards for $25 on eBay. Wait for an eBay coupon, stack with a cashback portal, and then stock up....you can get 1 yrs worth of this type of s...
by mw1739
Mon Apr 22, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 3244

Re: Neighbors sump pump pipe on my property

I worked with my neighbor to run a drainage pipe to the storm sewer across the back edge of his property. All it took was my promise to restore the grass and a handshake. The city and the contractor installing it said I was within my right to terminate the pipe at the edge of my property, thereby fl...
by mw1739
Thu Apr 18, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5850

Re: In which companies do you own a single share, or token amount, of stock?

3 shares of Disney that were gifted to me as a child. The couple of dollars I get a year in dividends probably buy my kids a Happy Meal. Also have a much more significant stake in BRK-B to the tune of about 5% of our NW.
by mw1739
Tue Apr 16, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Best and cheapest way to finance a new car: dealership?
Replies: 23
Views: 2036

Re: Best and cheapest way to finance a new car: dealership?

Find out what your bank offers as well as the manufacturer before heading to the dealership and see what they offer. When I bought my wife’s Chevy last year the dealership tried to offer me 4.9% financing through one of their “preferred lenders.” I already knew that GM Financial was offering 1.9% so...
by mw1739
Wed Apr 10, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8855

Re: Are Airport Lounges Worth the Money?

The Amex Centurion lounges are the best domestically in my opinion. Other domestic lounges are a better to hang out in than the terminal, but the food is generally 3 star hotel quality.
by mw1739
Tue Apr 09, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: pool heat pump vs gas heater in northeast US
Replies: 15
Views: 884

Re: pool heat pump vs gas heater in northeast US

Pool heat pumps only come so large (typically 5 tons or 60,000 btu). You will need a 50 amp circuit for that heat pump. Here in the NW, I had to run it all the time to keep it warm. If you use the pool occasionally, it may be better to go with a large gas heater and only run it when you need to. A ...
by mw1739
Sun Apr 07, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Term Life Insurance?
Replies: 56
Views: 3692

Re: How Much Term Life Insurance?

Similar position here and just paid our annual premiums.
Both 25 yr policies
$2MM - $1100
$750M - $400 - spouse

Feel slightly over insured- wish I had laddered my policy, but oh well. As someone else pointed out, I spend more on beer than life insurance.
by mw1739
Fri Mar 22, 2019 7:52 am
Forum: Personal Investments
Topic: Big Picture - are we doing the right things?
Replies: 38
Views: 4935

Re: Big Picture - are we doing the right things?

I do have $28k in Prime Money Market in my taxable account. If I were to switch that out for bonds, would I use an intermediate term tax exempt fund or simply buy equities in taxable and bonds in tax-deferred? I kept the $28k in cash in case of needing it for home repairs or maintenance, job loss, ...
by mw1739
Sat Mar 16, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing a second home questions/advice
Replies: 13
Views: 1259

Re: purchasing a second home questions/advice

My in laws have rented the same unit for 3-4 years in a row. It recently came on the market and they concluded they’re better off renting for the 3 months or so they spend there each year. Yes there are certain intangible benefits to owning, but there are other benefits of being a renter as well.