Search found 522 matches

by mw1739
Tue Dec 18, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for cable/internet/cellphone
Replies: 61
Views: 2942

Re: How much do you pay for cable/internet/cellphone

Comcast: Internet + Local Channels (cheaper than internet only) - $70 Verizon: 2 phones and a kids smartwatch - $115 Sling TV: $30 Netflix: $10 Total: $225 Goal for 2019 is to do something about the Verizon bill and may try out some other streaming services as well. A company recently installed fibe...
by mw1739
Mon Dec 17, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 25
Views: 946

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

In true Boglehead fashion, it's my job to suggest the one Costco sells. I don't see it on their website, but they (in my area) regularly have it in the store for $250. It's motorized and I believe has USB ports as well.
by mw1739
Sun Dec 16, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 148
Views: 9123

Re: Favorite Purchase of 2018?

Bought a golf cart for the family to cruise around the neighborhood and the local restaurants.
by mw1739
Thu Dec 13, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 88
Views: 4137

Re: Should I buy a Tesla?

I think you can afford it, but the better question is where are you getting a Tesla for $40,000? I’m assuming it’s used for that price. How old and how many miles does it have?
by mw1739
Wed Dec 12, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice as I Turn 30
Replies: 20
Views: 1943

Re: Seeking Advice as I Turn 30

You have an excellent savings rate. Some other thoughts: Dump the growth funds. Focus on the index funds. Keep it simple with just 1-2 funds per account. Dump the REITs in Taxable - not tax efficient Agree with others that individual stocks should be no more than 10% of your portfolio. Look into Tax...
by mw1739
Sat Dec 08, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2888

Re: Contractor draws during remodeling project

$75,000 remodel project - we paid $5,000 upfront and balance at completion.
by mw1739
Mon Dec 03, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Determining a rate for a loan and...
Replies: 19
Views: 870

Re: Determining a rate for a loan and...

A 7 year Treasury yield is 2.9% today, so that is your risk free rate. I would expect a spread of at least 200 basis points for this type of transaction, so you’re probably looking at approximately 5% interest, minimum. Regarding the payments, you can setup any amortization schedule you want. No pay...
by mw1739
Mon Dec 03, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Stocks to Pay Off Mortgage
Replies: 73
Views: 5061

Re: Out of Stocks to Pay Off Mortgage

Similar situation here, but our mortgage is at 3.75% and I’m keeping it, at least for the time being. Is this your forever home? If you have plans to move in the next 5-10 years, I would keep the liquidity.
by mw1739
Mon Dec 03, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2151

Re: Crawl Space Fixin's - Do you really need it?

Is the current sump pump working? First step would be to do that. I installed a vapor barrier in my previous house. As someone else mentioned, once you get the area dry, the vapor barrier is a relatively easy and cheap DIY project. I would guess a couple hundred in materials and a few hours time.
by mw1739
Sat Dec 01, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Max resolution for laptop external monitor?
Replies: 9
Views: 566

Re: Max resolution for laptop external monitor?

My work computer is the HP Elitebook 820 (12” version of your wife’s) and although I think it has an i7 processor, I use 3 monitors at work and 1 at home. Hers should work fine with any monitor you buy.
by mw1739
Sat Nov 24, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 46
Views: 3039

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

I’ve researched other plans but always come back to BCBS Basic because the percentages (instead of dollar amounts) worry me. For instance, I had a short but terribly expensive hospital stay this year. Total billed amount was something like $205,000. BCBS paid something like $75,000. My total co-pays...
by mw1739
Thu Nov 22, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9717

Re: What financial information do you share with your family and relatives?

I wouldn’t mind sharing info on things like utility bills etc but wouldn’t share my income and net worth with anyone but my wife. I know very little about what my parents earn or have, but I’ve had reviewed my father in laws tax returns and had meetings with his CPAs and attorney. I vastly prefer th...
by mw1739
Thu Nov 22, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7750

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

We have had Good Sam roadside assistance for years as it is slightly cheaper than others but now considering dropping and using the device on our Amex credit card which is free (Amex premium roadside assistance). I dumped AAA this year in favor of the Amex roadside assistance as well. I think the A...
by mw1739
Tue Nov 20, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1127

Re: 12 Month Short-Term Health Insurance

No advice to give, but the thought of a per person max would scare me. My son and I were recently in an accident where the combined medical bills for the two of us were over $200,000 and that is just 1 night in the hospital and no surgeries. I would guess a stay in the ICU could hit $1 million quick...
by mw1739
Wed Nov 14, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5460

Re: fuel for snowblower

I use Tru Fuel canned ethanol free gas in my snowblower. I don’t go through regular gas fast enough during the winter with my suburban driveway.
by mw1739
Mon Nov 12, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2795

Re: How long have you had, or did you have, your HP-12C calculator?

Mine is relatively new at 11 years. I thought I had lost mine so I bought a Platinum edition, but then I found it so now I have one for the office and one for home.
by mw1739
Fri Nov 09, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1499

Re: Alcohol related gift idea - nice glasses for drinking spirits?

I have a wonderful set of good, heavy old fashioned glasses from (I think) Williams Sonoma. Looking at their website I don’t see the exact ones I have, but it appears they offer monogramming of glasses.
by mw1739
Thu Nov 01, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2258

Re: What does your gut tell you; RMD now or in December?

I wouldn't change anything due to some recent market volatility. The market might be down 2% one day and up 3% the next, there's no point in trying to time the market. My wife has an inherited IRA she has to take an RMD from annually. We have it setup to automatically occur on December 1st each year...
by mw1739
Wed Oct 31, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt for Grandma
Replies: 32
Views: 1779

Re: Credit Card Debt for Grandma

Assuming the debt total isn't rising anymore, she shouldn't be using those cards for everyday purchases, since that means those are accruing interest as well. She should consider opening a new card for new spending (and pay it off every month!) to minimize any additional interest.
by mw1739
Sun Oct 14, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4171

Re: How Much Is Your Sewer Bill?

Ours is flat rate of $39.XX per month. Recently got notice that it’s increasing to about $42.00 starting next year.
by mw1739
Fri Oct 12, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 2066

Re: Considering new Honda Pilot, other suggestions?

Out of left field, let me suggest you check out the Buick Enclave and its platform mate, the Chevy Traverse. I never thought I'd say "I bought a Buick," but in March my wife and I bought a 2018 Enclave. It's still early days, but we're very happy so far. IMHO, the Enclave/Traverse is one of the few...
by mw1739
Wed Oct 10, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1796

Re: Fidelity Private Client Group: New Advisor

When my Fidelity “guy” left a couple months ago I received an email and I believe a mailed letter. Then a few weeks ago I got a phone call and email from the new “guy” inviting me to a meet and greet dinner.
by mw1739
Tue Oct 09, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10116

Re: What is your annual cost for health insurance?

Family of 4 - annual premiums of roughly $2,400 for a great plan. $0 deductible and $11,000 max out of pocket. My son and I were in accident last weekend and helicoptered to a hospital ~ 1 hour away. I haven’t received the bill yet, but my quick review of the plan info indicates that will only be a ...
by mw1739
Fri Oct 05, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1594

Re: Washington, DC Trip & Fine Dining in the Area

If you're looking for "good," but not "Michelin-starred," you could try Founding Farmers. It's a farm-to-table group, and they do a fantastic job with a simple, down-home vibe with a twist. To be honest, I think that the quality of dining in D.C. is abysmal, so the fact that I thought this place wa...
by mw1739
Fri Oct 05, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3942

Re: Tackling Disney World

We're going next week for 5 nights (3 days at the parks). You can use the Disney Magical Express to get to/from the parks. They now have a "Minnie Van" service through Lyft to get around the parks as well. We used a Disney Travel Agent (gets a cut from Disney) at no cost to us. She recommended good ...
by mw1739
Fri Oct 05, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2661

Re: Bareboat Charter in BVI

Sorry to veer off topic, but how hard is it to learn to bareboat sail a cat? I have plenty of boating experience but only on powerboats. I chartered a crewed cat in the BVI nearly 10 years ago and would love to do it all over again, but the cost of a crew really increases the cost.
by mw1739
Thu Oct 04, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2336

Re: Carry On Luggage Recommendations

The Kirkland brand carry-on's from Costco are pretty well made for the price ($99) and you get the unbeatable Costco warranty.
by mw1739
Mon Oct 01, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Car rebates/incentives
Replies: 21
Views: 1447

Re: Car rebates/incentives

I bought my wife a 2018 Traverse about a month ago. She pushed me to go ahead and buy since the 2019's were coming out and she was very specific on what options and colors she wanted. No rebates or incentives available as you mentioned, but pretty much every dealer's bottom line price was the GM Sup...
by mw1739
Thu Sep 27, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten
Replies: 27
Views: 1280

Re: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten

My children’s school uses the Zoophonics program in preschool to learn letters/phonics and switches to The Letter People series in pre-K for reading. We bought flash cards etc from these programs to reinforce at home. Also read Bob Books, which are great confidence boosters for kids.
by mw1739
Mon Sep 24, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: S Corporation vs. LLC Partnership Logistics
Replies: 17
Views: 1571

Re: S Corporation vs. LLC Partnership Logistics

I think you need to put your numbers into TaxCaster or similar program to get an accurate result, or have a CPA run the numbers for you. Offhand I see that you're excluding any income your wife earns, as well as standard/itemized deductions and personal exemptions from your calculation.
by mw1739
Thu Sep 20, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3824

Re: Bathroom and Basement Remodel Costs

I spent $75-$80k on a basement finish, which sounds similar to your specs, but included a bathroom with moderate finishes (already plumbed) and adding an egress window. Personally I regret spending so much on the basement and my wife now says she would have rather spent the money on the kitchen remo...
by mw1739
Tue Sep 18, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 885

Re: Honda Lawnmower Warranty Issue

the employees stated the repairs were covered under warranty and nothing was owed. The dealer replaced the carburetor and all was well. When I review the warranty, it mentions that carb cleaning is not a covered service, but I don't see any other applicable exclusions. This is an issue between the ...
by mw1739
Tue Sep 18, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 885

Re: Honda Lawnmower Warranty Issue

Maybe I missed something, but as I read your post you state that they replaced the carb, not a cleaning. What did they actually do? What is on your receipt? Depending on what was done the dealer may have submitted the wrong info for warranty reimbursement. The invoice states, "adjusted valves, chan...
by mw1739
Tue Sep 18, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 885

Re: Honda Lawnmower Warranty Issue

Thanks for the advice on the gas - I'll consider trying it going forward. Any thoughts on how to deal with the dealer who represented that a service was covered under warranty but later backed out? In my opinion, as a "Honda Premier Service Dealer" they should know what is and isn't covered under wa...
by mw1739
Tue Sep 18, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 885

Re: Honda Lawnmower Warranty Issue

My 2.5 year old Honda HRX lawnmower was not starting well, idling roughly, leaking fuel from the carburetor, and even backfired, so I took it to the local Honda dealer for repair. When I dropped it off and when I picked the lawnmower up, the employees stated the repairs were covered under warranty ...
by mw1739
Tue Sep 18, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 885

Honda Lawnmower Warranty Issue

My 2.5 year old Honda HRX lawnmower was not starting well, idling roughly, leaking fuel from the carburetor, and even backfired, so I took it to the local Honda dealer for repair. When I dropped it off and when I picked the lawnmower up, the employees stated the repairs were covered under warranty a...
by mw1739
Thu Sep 13, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 31
Views: 2913

Re: Pet insurance

I put one of my dogs down last week. A middle of the night trip to the emergency vet and the associated tests ran approximately $1000. I contemplated, but ultimately declined, surgery that would have cost $5,000, but had a very low chance of survival beyond 6 months. I put her to sleep for $200 the ...
by mw1739
Tue Sep 11, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10480

Re: Side Hustle Options/Suggestions.

BTW...an earlier poster who said dog walking....I just had lunch with my old business partner. He told me he knows a guy making $50K/year as a full time dog walker. #wth When my dog was under 1 year old, I paid $10 every day to a grad student to walk him every afternoon on weekdays. When I'm away f...
by mw1739
Mon Sep 10, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10399

Re: Anyone else not save for cars?

We save for general expenses (home repair, car, kids college etc.) and withdraw the money when needed. With that said, I dislike financing depreciating assets, so I've informally set a benchmark of 50% down and 50% financed. My wife's Chevy SUV (bought 2 weeks ago) is financed at 3% - the manufactur...
by mw1739
Mon Sep 10, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Planning after divorce
Replies: 8
Views: 1652

Re: Planning after divorce

Can you cover any of it out of normal cashflow? Given your tax rates, you're earning $200k+ and mention your home is paid off. Alternatively, you can take some from your taxable investments to cover a few years of withdrawals. Assuming you're locked into this and cannot cashflow it or expect to rece...
by mw1739
Fri Sep 07, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2574

Re: Certified Pre-Owned Cars (CPO): Is this normal?

I recently bought a CPO Chevy and the dealer mentioned it cost $450 for them to certify the car with GM, otherwise they would have had more room to negotiate. Considering it comes with a better than factory warranty, I was ok with the price. But in my case it was advertised as CPO... I would have ba...
by mw1739
Tue Sep 04, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1636

Re: Types of seed for new lawn or sod?

Seed Superstore has good seed varieties and well regarded blends. The prices are a little high, but the convenience can’t be beat.
by mw1739
Tue Sep 04, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Storage facility as investment.
Replies: 18
Views: 1672

Re: Storage facility as investment.

My in-laws own a storage business, but it's complementary to their primary business (multifamily real estate). I think it does pretty well, but there are still headaches. Apparently finding a good manager is tough, because as someone else points out, the job can be done by someone with no education....
by mw1739
Tue Aug 28, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2342

Re: Summer Day A/C Issues

Do you have a heat pump system? The system not keeping up in the extreme temperatures sounds like a heat pump.
by mw1739
Fri Aug 17, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mother-in-law after her husbands passing
Replies: 20
Views: 1463

Re: Helping mother-in-law after her husbands passing

Only making $2,100 per month as a State Farm insurance agent? Is she part-time? Can she increase hours to make more money? One of the biggest assets she has is the ability to earn money from her work in the future. If she could increase that, she will have a lot more flexibility in the future. +1. ...
by mw1739
Tue Aug 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Small business owner, mid 30s, doing great, clueless with investments
Replies: 22
Views: 2193

Re: Small business owner, mid 30s, doing great, clueless with investments

You may want to talk to your accountant about switching from a SEP IRA to a Solo 401k for 2019. You mentioned you "maxed" out the SEP at $35k last year. The 401k limit is $55k, which you could break down as $18.5k from you and $36.5k as an "employer match." This would allow additional tax advantaged...
by mw1739
Fri Aug 10, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3507

Re: Is your monthly expense really that stable or in reality, pretty volatile?

I suppose day to day spending is fairly stable but as you mentioned, one time things pop up. I had about 6k in extra bills last month. Some came out of normal cash flow and some came from savings. I have a rough idea of when our big annual bills are due and try to factor those into the overall budget.
by mw1739
Fri Aug 10, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2467

Re: First time taking kids to airport..

Big fan of this car seat bag: https://www.amazon.com/J-L-Childress-Ultimate-Backpack-Padded/dp/B0009RNXNA/ref=sr_1_3_a_it?ie=UTF8&qid=1533899013&sr=8-3&keywords=car+seat+bag&dpID=41-9Dhku06L&preST=_SX300_QL70_&dpSrc=srch It has backpack straps instead of 1 strap, so the weight of the heavy car seat ...
by mw1739
Wed Aug 08, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Interviewing potential builders / GCs / General Contractors for Extensive Remodel / Renovation
Replies: 3
Views: 347

Re: Interviewing potential builders / GCs / General Contractors for Extensive Remodel / Renovation

Questions I would ask include: - How many projects do you have going on at a time? Are they new builds or remodels? How long would you expect my project to take? - Who are your subs? How long have you been working with them? - (Assuming you're living in the house while remodeling) - Who will have ac...
by mw1739
Sat Aug 04, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 8631

Re: Nespresso?

Not to go off on a tangent, but what is everyone’s favorite pods? Roma is my go-to and I also like the summer Iced varieties. The wife enjoys the Vanilla. What does everyone else drink?