Search found 324 matches

by Devil's Advocate
Tue Nov 24, 2020 5:25 am
Forum: Personal Consumer Issues
Topic: Can I Get A Refund From Amazon After A Price Drop
Replies: 28
Views: 2401

Re: Can I Get A Refund From Amazon After A Price Drop

Been a Prime member FOREVER. I bought a set of adjustable weights (over 100 pounds) that shipped free Prime. A week later they dropped by over $100. I asked for a refund and the Amazon associate said no. I said could I buy a set at the new price and return the original order? They said yes. So I bo...
by Devil's Advocate
Sat Nov 21, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 162
Views: 11663

Re: Can we afford this $725,000 house?

We're 36 with kids aged 5 and 2. Combined income = $190k per year Net worth = $1.15 M Current Home Value = $460k Current mortgage balance = $132k Current Home equity = $318k Investments (401k, HSA, Taxable Brokerage) = $710k Cash accounts ~ $150k We're looking at buying a new house for about $725k ...
by Devil's Advocate
Thu Nov 19, 2020 8:05 am
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 102
Views: 6629

Re: New Truck Purchase

You can't afford this new truck if you can only put 20-30% down and put the rest on 84 payments. 12 years old is not that old for a vehicle. Have you tried fixing it yet? I can't imagine all of the electrical failing vs. a central cause of the failure which is far more likely. The repair will proba...
by Devil's Advocate
Sun Oct 11, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: Rent a goat to clear/maintain a field?
Replies: 67
Views: 6052

Re: Rent a goat to clear/maintain a field?

I must say this is an interesting thread. :sharebeer
DA
by Devil's Advocate
Wed Sep 30, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6826

Re: how do you make your home smell good?

Patchouli and body odor
by Devil's Advocate
Tue Aug 25, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3854

Re: Wifi speaker for streaming music.

Echo studio is pretty great IMO
by Devil's Advocate
Mon Aug 24, 2020 9:55 am
Forum: Personal Investments
Topic: When is enough enough?
Replies: 73
Views: 7103

Re: When is enough enough?

I do encourage experiences. But I would still max workplace retirement accounts. Additionally I would look at ALL expenses and work to reduce them so you can go on bigger vacations with family. It looks to me like you are doing well, but don’t count your retirement nest eggs before they hatch. You ...
by Devil's Advocate
Sun Jul 19, 2020 4:06 am
Forum: Personal Finance (Not Investing)
Topic: eligibility for an early distribution under the CARES ACT and documentation requirements
Replies: 11
Views: 795

Re: eligibility for an early distribution under the CARES ACT and documentation requirements

Not sure you need to provide any documentation to be eligible. If audited you would likely need to justify it however.

DA
by Devil's Advocate
Sun Jul 12, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: Speakers for basement
Replies: 43
Views: 2744

Re: Speakers for basement

We have echo studios and like them.

DA
by Devil's Advocate
Tue Jul 07, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to finance this house+land?
Replies: 18
Views: 1323

Re: What is the best way to finance this house+land?

Is there any way you could parcel off a small part of your land and get a loan for your new home?
by Devil's Advocate
Tue Jul 07, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to finance this house+land?
Replies: 18
Views: 1323

Re: What is the best way to finance this house+land?

I was in this exact situation. I was able to ultimately pay off 1st note with ag institution and ended up with a 30 yr note with same lender.
by Devil's Advocate
Mon Jul 06, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation
Replies: 39
Views: 6737

Re: Bloomberg: The Cost of Bad Market Timing Decisions in 2020 Was Annihilation

https://www.bloomberg.com/news/articles/2020-07-03/the-cost-of-bad-market-timing-decisions-in-2020-was-annihilation Dramatic headline, and the article maybe behind a paywall. Summary: 1. Missing 5 of the best days in the stock market 2020 would have resulted in a 30% loss, versus a break even with ...
by Devil's Advocate
Tue Jun 23, 2020 7:48 am
Forum: Personal Finance (Not Investing)
Topic: IRS Expands eligibility for Corona Virus Related Distributions
Replies: 80
Views: 8827

Re: IRS Expands eligibility for Corona Virus Related Distributions

How do you prove “due to COVID-19?” I know people whose hours were cut when customers mysteriously stopped showing up. Now that customers are showing up again, their hours have increased. By the end of the year, it’s possible their hours will cumulatively be more than they would have been in an alt...
by Devil's Advocate
Mon Jun 01, 2020 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 369
Views: 27211

Re: Optimizing PPP Forgiveness

Mortgage interest and utilities, no?

DA
by Devil's Advocate
Fri May 15, 2020 6:03 am
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6620

Re: Healthcare post COVID-19

With the utilization of healthcare significantly diminished in the past 6 weeks I wonder if the healthcare industry has fundamentally changed? Emergency Medicine census in our midwest state has decreased ~30 to 40%. Will it rebound? I never thought during a pandemic my industry would be threatened ...
by Devil's Advocate
Fri May 15, 2020 6:00 am
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6620

Re: Healthcare post COVID-19

EM will pick back up (slowly). my thoughts-> - states loosening restrictions equals more trauma, etoh related injuries (+ DTs, withdrawals from copious amounts of etoh consumed during "lockdown") - political suicide to repeal EMTALA - with increase in tele-health -> PCPs will still refer ...
by Devil's Advocate
Tue May 12, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: Penalty-free withdrawals from 401(k)s
Replies: 39
Views: 3748

Re: Penalty-free withdrawals from 401(k)s

Hypothetically, if I was employed in an essential service and I have not myself lost any income as a result of Corona virus, but my spouse's income has been reduced as a result of Corona virus, do you think that will qualify ME for a penalty free withdrawal from MY retirement account? Does it make ...
by Devil's Advocate
Tue May 12, 2020 9:47 pm
Forum: Investing - Theory, News & General
Topic: Penalty-free withdrawals from 401(k)s
Replies: 39
Views: 3748

Re: Penalty-free withdrawals from 401(k)s

Hypothetically, if I was employed in an essential service and I have not myself lost any income as a result of Corona virus, but my spouse's income has been reduced as a result of Corona virus, do you think that will qualify ME for a penalty free withdrawal from MY retirement account? Does it make ...
by Devil's Advocate
Tue May 12, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6620

Re: Healthcare post COVID-19

Interesting take southerndoc, thanks.
by Devil's Advocate
Tue May 12, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: CARES ACT Early 401k Distribution
Replies: 10
Views: 879

Re: CARES ACT Early 401k Distribution

My employer's plan does not participate in the Covid early withdrawal option in our 401k plan either. So if I did lose income this year from my main gig and my 1099 income are you saying I could still withdraw and would be refunded when I do my taxes??

DA
by Devil's Advocate
Tue May 12, 2020 7:26 am
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6620

Re: Healthcare post COVID-19

Thanks runner for the reply.

Surely others have opinions here.

DA
by Devil's Advocate
Mon May 11, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6620

Healthcare post COVID-19

With the utilization of healthcare significantly diminished in the past 6 weeks I wonder if the healthcare industry has fundamentally changed? Emergency Medicine census in our midwest state has decreased ~30 to 40%. Will it rebound? I never thought during a pandemic my industry would be threatened s...
by Devil's Advocate
Tue Mar 31, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: Security for unoccupied home.
Replies: 24
Views: 1546

Re: Security for unoccupied home.

Dottie, I have used this in the past. It's an electronic barking dog sensor you can place behind doors that can sense movement and bark. The intensity of barking correlates with how close the object behind the door is. You can set the volume of barking alarm and also how sensitive the alarm is. I wo...
by Devil's Advocate
Wed Mar 25, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: Will the Dow ever see 29500 again?
Replies: 155
Views: 18301

Re: Will the Dow ever see 29500 again?

Crushtheturtle wrote: Sun Mar 22, 2020 8:38 pm Can you imagine a world in which we can't cure the cold virus?

Utter chaos. Permanently low stock market.

Cats and dogs, living together.
Hilarious!

My cats and dog love each other already...sure sign of end of times

DA
by Devil's Advocate
Tue Mar 17, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 51029

Re: Who's buying today? where's all the "dry powder" folks at? :)

I bought today...My 401k balance was cashed out at previous 401k custodian Feb 24. Took until today to transfer as cash to new self directed plan. Put all in with Vanguard 2030. My previous fund was the 2035 so I did reduce my equity exposure. This transfer probably made me thousands as i missed the...
by Devil's Advocate
Tue Mar 17, 2020 5:34 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56043

Re: How Is Your Job Being Impacted By The Current Crisis?

Front lines emergency medicine, mainly small hospitals in midwest. Thinking it's going to get crazy soon. Hopefully the self distancing will spread the critically ill pts apart. Time will tell.

DA
by Devil's Advocate
Mon Mar 16, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57858

Re: How to get Toilet Paper ? seriously.

I would add that only TP go down the toilet. Wet wipes, shop towels, paper towels, face wipes, paper, etc will likely eventually clog your toilet/pipes/septic system.

DA
by Devil's Advocate
Mon Mar 16, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57858

Re: How to get Toilet Paper ? seriously.

My cousin taught me a new word to add to my vocabulary...waffle stomp..
🤔

DA
by Devil's Advocate
Mon Mar 02, 2020 5:59 pm
Forum: Personal Investments
Topic: Worst Timing :(
Replies: 45
Views: 7643

Re: Worst Timing :(

That's the risk you take when you move funds, You should have sold by yourself and not waited for the provider to sell it for you. I don't understand, what if OP had sold himself and then the market sky rockets to S&P 3500 and then the 401k liquidates and cuts check in mail? The idea behind let...
by Devil's Advocate
Mon Mar 02, 2020 5:01 pm
Forum: Personal Investments
Topic: Worst Timing :(
Replies: 45
Views: 7643

Re: Worst Timing :(

Me too. Our 401k funds cashed out on the 24th. Waiting for the funds to show up in new self directed account. Ugh.
DA
by Devil's Advocate
Mon Feb 03, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: 30 yr vs 15 yr: What interest rate spread would you consider a 30 year?
Replies: 1
Views: 446

30 yr vs 15 yr: What interest rate spread would you consider a 30 year?

I've locked my rate Friday for our new construction home. The mortgage lender quoted me a 30 year for 4% & 15 year at 3.6%. I am sure there are cheaper loans out there, but mine includes many acres of land that a conventional lender would not generally service. At that spread the cost of flexibi...
by Devil's Advocate
Mon Jan 27, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: 15yr vs 30yr mortgage
Replies: 33
Views: 2975

Re: 15yr vs 30yr mortgage

There is a cost associated with paying a 30 off like it was a 15...that difference could be considered insurance.

DA
by Devil's Advocate
Fri Jan 24, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Moving: How much down and which mortgage term?
Replies: 12
Views: 838

Re: Moving: How much down and which mortgage term?

Deikel,

The cost of flexibility is substantial. Calculate the cost of paying a 30 year loan in 15 years compared to the lower rate 15 year loan. That is the cost of flexibility.

DA
by Devil's Advocate
Fri Jan 10, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: IRS PIN Letters for 2019 taxes
Replies: 19
Views: 2175

Re: IRS PIN Letters for 2019 taxes

I received mine a couple weeks ago.

DA
by Devil's Advocate
Sat Jan 04, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: How to get home internet in the country, outside the city limits?
Replies: 24
Views: 1278

Re: How to get home internet in the country, outside the city limits?

I currently live off grid in a rustic cabin. I had the same problem as you. After a bit of research I use Viastat. I don't have the unlimited plan and my streaming is poor at times. When I move into my new house on this property I plan to upgrade the plan and hope it's a bit more seamless. I also us...
by Devil's Advocate
Mon Dec 23, 2019 9:01 pm
Forum: Personal Investments
Topic: How much in 529 is enough to fund college?
Replies: 114
Views: 10949

Re: How much in 529 is enough to fund college?

I am wondering how much budget in 529 is a good amount if u want to fund your child's undergraduate education debt free? OP, Zero. For most people, there is no reason to save for your child's college education. A) At low income and low saving rate, i) Why save money for college education and hurt y...
by Devil's Advocate
Mon Dec 23, 2019 8:21 pm
Forum: Personal Investments
Topic: How much in 529 is enough to fund college?
Replies: 114
Views: 10949

Re: How much in 529 is enough to fund college?

I am wondering how much budget in 529 is a good amount if u want to fund your child's undergraduate education debt free? OP, Zero. For most people, there is no reason to save for your child's college education. A) At low income and low saving rate, i) Why save money for college education and hurt y...
by Devil's Advocate
Tue Sep 24, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 30
Views: 2352

Re: Healthcare sharing programs

OP, what did you decide? I’m guessing you need to be Christian (or lie which I’m not willing to do) to join a Christian one? But it could be an option for my wife and kids. Are there any secular healthcare sharing programs? https://mychristiancare.org/medi-share/what-is-medishare/how-medi-share-wor...
by Devil's Advocate
Sat Sep 14, 2019 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Move up in house?
Replies: 25
Views: 3085

Re: Move up in house?

I would say your age matters. If paying on a 30 year and you are in your 30s you will have a 30 yr mortgage paid off in your 60s (if u dont prepay). If you are in your 50s and paying on a 30 yr mortgage then you would likely be paying off mortgage in your retirement which IMO is not prudent.


DA
by Devil's Advocate
Tue Sep 10, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Timing around buying a new home.
Replies: 9
Views: 1054

Re: Timing around buying a new home.

I suppose you could wait until your child is a toddler. That should be much less stressful. :wink:

Personally I'd just buy the house whether you have a baby on the way or not.

DA
by Devil's Advocate
Sun Aug 25, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Video Movies and TV Shows
Replies: 20
Views: 1924

Re: Amazon Prime Video Movies and TV Shows

We order alot from Prime. I have a particular disdain for retail shopping. The prices are competitive (keep on wishlist and buy when price drops) and I don't have to deal with everything that comes with shopping in a store. The Amazon prime video is pretty good. Selection for movies is a bit thin, b...
by Devil's Advocate
Sun Aug 18, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 8862

Re: Box wine- update and recommendations?

I really dig the Walmart brand. Cheap and it ain't too bad.
DA
by Devil's Advocate
Mon Jul 01, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Feels like never enough in savings?
Replies: 27
Views: 3244

Re: Feels like never enough in savings?

Tell me there's something better we should be doing with this money?
Tamarind wrote: Mon Jul 01, 2019 12:00 pm To me it sounds like the better thing you should be doing with your money is increasing your 401k contributions and get much closer to maxing them out.
Increase your 401k contributions if u can.

DA
by Devil's Advocate
Mon Jun 17, 2019 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 100
Views: 15570

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

Yes,

But isn't there a cost associated with keeping your money out of the market and in an EF?

Wouldn't that make the cost of flexibility lower??

DA
by Devil's Advocate
Sun May 12, 2019 8:11 pm
Forum: Personal Investments
Topic: Feedback on house purchase
Replies: 19
Views: 1977

Re: Feedback on house purchase

Of course you can afford. Enjoy your new home!

DA
by Devil's Advocate
Sat Apr 20, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 6105

Re: How far would you commute?

How far would I commute? Moving this week. New commute will be 2h 15m 4 times per month and 1h 15m 3 times per month. Sprinkle in 30 min commute twice a month. I may spend the night in hotel occassionally to reduce time in car. Work in healthcare. My longer commute is 24 hr shifts. I can justify the...