Search found 97 matches

by Johnny Thinwallet
Wed Nov 27, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: I wish I could ignore it...but I can't (ZILLOW!)
Replies: 68
Views: 9053

Re: I wish I could ignore it...but I can't (ZILLOW!)

I keep a net worth spreadsheet where I track a few values about my house over time: mortgage remaining, amount paid off (and percentage), and approximate current value. I base my house's percentage of my net worth based on approximate current value minus amount remaining on my mortgage. For the app...
by Johnny Thinwallet
Sat Nov 23, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Selling truck on Craigslist
Replies: 42
Views: 1922

Re: Selling truck on Craigslist

We sold my wife's old car on Craigslist back in 2017 for $2,700. I used an old Yahoo email address for the public listing rather than my primary email address. I used that email account as a filter to weed out the scams. I remember a few scam emails saying "we'll wire you the money and a friend can ...
by Johnny Thinwallet
Sat Nov 16, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 26
Views: 2968

Re: $500 KeyBank bonus worth it?

Got a mailer a few weeks ago for a $400 KeyBank bonus. It's been sitting on my desk as I'm undecided whether to pursue it. I just checked my mail today, and they decided to send me a reminder about the bonus offer that's been sitting on my desk. It's tempting, especially because there's a branch lo...
by Johnny Thinwallet
Fri Nov 15, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 26
Views: 2968

Re: $500 KeyBank bonus worth it?

Got a mailer a few weeks ago for a $400 KeyBank bonus. It's been sitting on my desk as I'm undecided whether to pursue it. I just checked my mail today, and they decided to send me a reminder about the bonus offer that's been sitting on my desk. It's tempting, especially because there's a branch loc...
by Johnny Thinwallet
Wed Nov 13, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Would you buy a Galaxy S9 now?
Replies: 31
Views: 1840

Re: Would you buy a Galaxy S9 now?

I believe BestBuy is going to offer an unlocked Pixel 3a for $199 on Black Friday. My wife is using the remaining / surviving S6 (4 years old on on its last leg) and so I am looking at replacing it either with a similar Motorola or the Pixel. Thanks for posting. $199 for the 3a is quite good consid...
by Johnny Thinwallet
Sat Nov 09, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Baby Coming - Is our math right to choose HDHP over PPO?
Replies: 10
Views: 1237

Re: Baby Coming - Is our math right to choose HDHP over PPO?

“you want the bills that you can negotiate to hit your insurance before the bills that you're not able to negotiate. ” Can you further explain this? I assume if you hit your deductible or MOOP with the negotiable bills, and the insurance company picks up the non-negotiable bills either with co-insu...
by Johnny Thinwallet
Fri Nov 08, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Baby Coming - Is our math right to choose HDHP over PPO?
Replies: 10
Views: 1237

Re: Baby Coming - Is our math right to choose HDHP over PPO?

“you want the bills that you can negotiate to hit your insurance before the bills that you're not able to negotiate. ” Can you further explain this? I assume if you hit your deductible or MOOP with the negotiable bills, and the insurance company picks up the non-negotiable bills either with co-insu...
by Johnny Thinwallet
Thu Nov 07, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Baby Coming - Is our math right to choose HDHP over PPO?
Replies: 10
Views: 1237

Re: Baby Coming - Is our math right to choose HDHP over PPO?

Based on your info, it looks like the two HDHPs are really close to each other. Whether one is better than the other may depend on your tax bracket and the coinsurance percentages once you hit the deductible but before the OOP max. I'd go with one of the HDHPs and then max out your HSA (so add $5,60...
by Johnny Thinwallet
Sat Oct 12, 2019 3:39 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: 5305

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

This is a great question, especially because for my wife it's actually the opposite question. Neither one of us has been to Shenandoah, but I've been to Great Smoky Mountains a few times and my wife has been probably a dozen times. Her family went to Great Smoky Mountains every other year for more t...
by Johnny Thinwallet
Tue Sep 17, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 487
Views: 51279

Re: Selling home- Demanding Buyer (Repairs)

OP, I haven't read every post in this thread but I've followed it along loosely enough to have a general understanding of your situation. I think right now you have to decide what's the higher priority for your situation. Whether it's trying to get good value ($$) for the place, or just unloading it...
by Johnny Thinwallet
Tue Aug 20, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7447

Re: Are there advantages to being married to a teacher?

My wife is a public school teacher here in Ohio, and I would say there are plenty of advantages. She has a good pension through STRS Ohio, which under current law (caveat: subject to change) would provide a good pension at age 60 and 35 years. She also has very good healthcare. Our total premiums fo...
by Johnny Thinwallet
Sun Aug 04, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6434

Re: Dentist: Is this acceptable?

My dentist does everything. He examines my teeth, he cleans my teeth thoroughly in all aspects (scraping, polishing and flossing) and he does x-rays when needed. He is the only person in the office that does anything with my teeth. This is the actual dentist, not the hygienist. My appointments are ...
by Johnny Thinwallet
Sat Aug 03, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6434

Re: Dentist: Is this acceptable?

My dentist does everything. He examines my teeth, he cleans my teeth thoroughly in all aspects (scraping, polishing and flossing) and he does x-rays when needed. He is the only person in the office that does anything with my teeth. This is the actual dentist, not the hygienist. My appointments are t...
by Johnny Thinwallet
Fri Jul 19, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Down payment for second mortgage before selling first
Replies: 3
Views: 412

Re: Down payment for second mortgage before selling first

We did this last year, and we just liquidated savings. We still had about $15-20k in liquid cash savings during the short time that we owned two properties. The primary reason I did this was a combo of many things, 1) we could easily cash flow both mortgages, 2) we had some battles with the sellers ...
by Johnny Thinwallet
Wed Jul 17, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 40
Views: 3934

Re: How unpleasant is the home buying/selling experience??

Option 2. Not even close. Financially it can cost a lot of money to sell a house. Then there's the aggravation on top all of it. We sold our condo and upgraded to a house last summer. We even bought our house before listing our condo (so no contingency on having to sell one place to buy the other). ...
by Johnny Thinwallet
Wed Jul 17, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 15050

Re: House not appraising for amount we were offered!

We had appraisal issues last year selling our condo, though they were for far less dollar figures than your issue (only $2,500 difference). This was a hot market and everything below $300k - houses and condos - were selling in less than a day. The tricky thing for us, however, was that our agent's t...
by Johnny Thinwallet
Mon Jun 17, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Termites or Ants in Garden?
Replies: 17
Views: 1407

Re: Termites or Ants in Garden?

Appreciate all the responses and tips. Today we raked all the old mulch out, bagged it and disposed of it properly off our property. Total of six bags filled as heavy as I could carry them. We found more termites in the garden, but far less than yesterday when we were first started raking. Ants were...
by Johnny Thinwallet
Sun Jun 16, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Termites or Ants in Garden?
Replies: 17
Views: 1407

Re: Termites or Ants in Garden?

The 2nd pic is a termite. Why is having termites in your yard an issue? Termites are practically everywhere even if you cannot see them. Sure, you don't want them eating your home, but they will populate dead roots, old stumps, old buried stumps, your neighbors' homes, etc. No termite inspection is...
by Johnny Thinwallet
Sun Jun 16, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Termites or Ants in Garden?
Replies: 17
Views: 1407

Termites or Ants in Garden?

So we may have found a termite infestation in our garden in the front of our home. Or it might just be a typical ant colony. Obviously the former is a far bigger issue than the latter so I'm looking for some advice here. To make a long story short, we purchased our home last summer and moved in the ...
by Johnny Thinwallet
Sat May 04, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Can anyone give me a ball park estimate on this roof repair?
Replies: 19
Views: 2351

Re: Can anyone give me a ball park estimate on this roof repair (pictures included)?

We're in the Midwest, and we just had some minor roof repairs done on our house by a very highly rated local roofing company (i.e. they'll be the first I call for any additional issues). Anyway, we were charged $150 for our repairs, which was their minimum*. It was just some miscellaneous minor repa...
by Johnny Thinwallet
Fri Apr 05, 2019 8:42 am
Forum: Personal Investments
Topic: Ohio 529 any experience with this plan?
Replies: 23
Views: 1237

Re: Ohio 529 any experience with this plan?

We've been using the Ohio plan since 2017 for our soon-to-be two year old. We use the non-advisor self-directed direct investment options and use four Vanguard index funds to best mimic a standard three fund portfolio (i.e. Vanguard 500 Index, Vanguard Extended Market Index, Vanguard Total Internati...
by Johnny Thinwallet
Tue Feb 12, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35333

Re: [2018 tax return - How does it compare to previous years?]

Our 2018 AGI was $6,000 higher than our 2017 AGI, however, our overall 2018 tax burden was $550 less than our overall 2017 tax burden despite the extra $6,000 income. Out the door, this was a pretty nice tax break for us. We're MFJ with one child and we took the standard deduction in both 2017 and 2...
by Johnny Thinwallet
Wed Jan 16, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57913

Re: John Bogle is dead at 89

Very sad news. Thank you, Jack. You've made an incredible difference in my life, and my family is much better off thanks to the movement you started and the lessons you've taught all of us.
by Johnny Thinwallet
Sat Jan 05, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is an ARM always a bad idea?
Replies: 43
Views: 4631

Re: Is an ARM always a bad idea?

Just bought our home with a 15/1 ARM last summer as the rate was 25 basis points cheaper than the 30 FRM. I built my own customized amortization schedule in Excel, plugged in a plan for extra principal dollars that increases over time and calculated that we should have the house paid off in 10 to 12...
by Johnny Thinwallet
Fri Dec 21, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12413
Views: 2143213

Re: U.S. stocks in free fall

Made my first change today, which was nothing more than shifting all future contributions to buy stocks. Will keep that there until my allocation gets back near my 75/25 target. Wife and I are in our mid-30s, and the correction and possibility of a bear market has been no big deal for us. As long as...
by Johnny Thinwallet
Sat Nov 03, 2018 12:37 pm
Forum: Personal Investments
Topic: FSTVX -> FSKAX
Replies: 15
Views: 5749

Re: FSTVX -> FSKAX

Two of my three funds converted yesterday (total US stock and total US bond). Looks like my third fund - total international - will be converting on 11/9.
by Johnny Thinwallet
Fri Nov 02, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5679

Re: People with older car, share your unusual repairs

I drive a 2007 Accord that was purchased new in October 2007 and now has 146,xxx miles on it. Just this week I had to replace the rocker arm oil control solenoid for around $300. I had noticed an oil leak about a month ago and that was the culprit. Also had the front brakes replaced in the same trip...
by Johnny Thinwallet
Tue Oct 16, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 2070

Re: Sneakers with good arch support

I started getting shin splints when I was 25-years-old playing softball. I'm not just talking run-of-the-mill shin splints - I'm talking awful pain and barely able to walk type of shin splints. As a remedy, I started wearing Powerstep inserts in every pair of sneakers and dress shoes that I wear, in...
by Johnny Thinwallet
Sat Oct 06, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14274

Re: What is your annual cost for health insurance?

Premium is $2,400/year for a family HDHP for two adults and a toddler. Deductibles and OOP max are $2,700 single and $5,400 family. DW's employer kicks in $2,400 HSA dollars too. DW is a public school teacher in Ohio. So far this year we've only spent $725 on healthcare (outside the premiums) so we'...
by Johnny Thinwallet
Tue Jul 24, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 4760

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

Timely thread. We are under contract to upgrade our home, and if/once we close we'll have a number of furniture items to buy. Looking for a sectional, dining room set, coffee table, end table, etc. This is an area where I know nothing about so I certainly appreciate the helpful tips here. We were lo...
by Johnny Thinwallet
Thu Apr 19, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 4960

Re: Good Dad, Bad Dad [pay for son's driving expenses (or not)]

My son is only 10 months old so I can't give you a perspective from the dad side yet. However, I can tell you my experience when I turned 16 in the late 1990s. My dad gave me his old beater as a hand me down at no cost to me, however, insurance, gas and routine maintenance were my responsibility and...
by Johnny Thinwallet
Wed Apr 18, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 5054

Re: Broke up with my girlfriend for financial reasons: crazy?

OP, I can only offer you a story regarding one girl I dated prior to meeting my now wife. Said ex gf was a financial disaster. Lived in my city with roommates but owned an underwater house out of state. She did have renters but the rent wasn't covering the mortgage so she was losing money every mont...
by Johnny Thinwallet
Tue Jan 23, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 11342

Re: Working in the real world

OP, I'll give you a reasonable data point that you can probably relate too because we also live in Ohio. We are early to mid-30s. I have a BA, and last year in 2017 my gross was $59k. My wife is a teacher with a master's, and her gross would have been $50k had she not taken unpaid maternity leave (h...
by Johnny Thinwallet
Fri Jan 19, 2018 1:45 pm
Forum: Personal Investments
Topic: Did you change your IPS when you discovered you were going to have kids?
Replies: 8
Views: 1187

Re: Did you change your IPS when you discovered you were going to have kids?

We have a seven month old son born last summer. No IPS changes for us once we found out when we were pregnant nor after our son was born. And likewise, we made no changes in the amount of money we were saving in retirement accounts. For all baby expenses and 529 contributions, we just reduced the am...
by Johnny Thinwallet
Sat Jan 06, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 13599

Re: How much are you putting in a 529?

We're in Ohio and have a six month old son. We're contributing $2k per year initially using the Ohio 529 plan, and we do receive a state tax deduction. Our 529 plan is to try to cover 75-80 percent of tuition/fees/books at our (wife and I) alma mater, which is in-state Public U. Problem is I'm not s...
by Johnny Thinwallet
Fri Dec 22, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 71640

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

munemaker wrote:
Fri Dec 22, 2017 11:13 am
Does anyone know if the "Saver's Credit" survived?
I think it survived, though that's largely because I've not seen anything indicating it didn't survive. But I have no confirmation. I'm interested in knowing this too as my parents have taken this credit for several years now.
by Johnny Thinwallet
Fri Dec 22, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 26812

Re: Do you see a meaningful change in your income with new Tax Bill?

My estimate of our federal tax savings is roughly $2,400.

We're MFJ with one baby and have taken the standard deduction since getting married. We lose the three exemptions, but we gain a bigger standard deduction, a bigger child tax credit and a slightly lower marginal tax rate.
by Johnny Thinwallet
Wed Dec 13, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Is Nationwide a good company?
Replies: 10
Views: 2450

Re: Is Nationwide a good company?

This is going to be employer-specific and plan-specific, but my employer used to have Nationwide as our 403(b) admin. I say used to, because I'm thankful that is now in the past. Nationwide charged a "net asset" fee of 0.50% on top of the expense ratios for every fund in our plan. My employer put me...
by Johnny Thinwallet
Wed Nov 29, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 2777

Re: National Park trip w/1 year old infant

Thanks all for the recommendations for various parks, carriers, baby hiking groups and general experience from those who have tried this with young kids. Lots of great options for us to dig into and explore. Will probably be sometime before we nail down a trip but this gives us a great headstart.
by Johnny Thinwallet
Mon Nov 27, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 2777

Re: National Park trip w/1 year old infant

Thanks all for those who've responded (and please keep them coming!). Yellowstone and Yosemite are near the very, very top of my must-see list, which would lean me toward wanting to go there no matter what. On the other hand, I feel those trips are so big that I'd want to do them with absolutely no ...
by Johnny Thinwallet
Mon Nov 27, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 2777

National Park trip w/1 year old infant

We're currently researching vacation options for summer of 2018 and Bogleheads may be able to provide some helpful guidance! My wife and I originally discussed a joint trip to Yosemite and wine country, however, my wife is struggling with the idea of leaving our son back home in Ohio for a week beca...
by Johnny Thinwallet
Tue Nov 07, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 3439

Re: Mold Discovered in Potential House Purchase

OP here, thanks for all the feedback. I want to answer some questions: 1) the vast majority of homes in this area have sumps so that's normal. We also had three inches of heavy rain the night before one of the showings, and there was no evidence of any water issues that we could see inside or outsid...
by Johnny Thinwallet
Mon Nov 06, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 3439

Mold Discovered in Potential House Purchase

Trying to keep this short, but willing to provide more details if helpful ... My wife and I recently found a house in which we are strongly considering purchasing, however, we inadvertently uncovered a mold problem during one of the showings. The house has a sump pump in a finished basement, but the...
by Johnny Thinwallet
Fri Aug 18, 2017 8:12 pm
Forum: Personal Investments
Topic: Pension Advice for Dad
Replies: 4
Views: 900

Re: Pension Advice for Dad

123 and Grt2bOutdoors, thank you for the information, particularly the estimated annuity payouts. Valuethinker, very helpful! The answers to your two questions are #1 No and #2 Yes so that's another point that favors defer. There are options for either a 75% survivor benefit or a 50% survivor benefi...
by Johnny Thinwallet
Fri Aug 18, 2017 2:53 pm
Forum: Personal Investments
Topic: Pension Advice for Dad
Replies: 4
Views: 900

Pension Advice for Dad

My dad turns 55 later this month, and he's eligible for a small pension from his 10 years of service at a previous employer in the 1980s and 1990s. As I was expecting, they just sent him a lump sum offer along with an offer for starting a reduced pension at age 55. Would appreciate advice on which o...
by Johnny Thinwallet
Mon Aug 07, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3860

Re: Acadia National Park: Bar Harbor, Maine

Wife and I went in July 2015. Stayed at the Acacia House Inn, a bed and breakfast. The owners are bakers, and the breakfast they serve is outstanding. Rooms were fine - we stayed in a basic room. The outside doesn't look like much, but it was perfectly enjoyable. Free parking, and it's an easy walk ...
by Johnny Thinwallet
Mon Jun 12, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 10641

Re: Have you canceled cable?

Cancelled cable TV in April, but kept cable Internet. Now using Playstation Vue (Core Slim package) as a substitute for cable TV. We bought an Amazon Fire TV box and a TV antenna when we decided to switch to Vue. Cable Internet + Vue is around $100 per month. I'm fine paying that. Had we kept cable ...
by Johnny Thinwallet
Sun Jun 11, 2017 11:33 am
Forum: Personal Investments
Topic: New Fidelity International Index Fund, One Year On
Replies: 9
Views: 2220

Re: New Fidelity International Index Fund, One Year On

Timely thread. Just last week, I finally switched my/wife's Roth IRA international holdings from FSGDX to FTIPX. I wanted to wait some time after the fund got off the ground, and of course I also waited until all our previous FSGDX shares were at least 90 days old before switching so as to avoid any...
by Johnny Thinwallet
Thu Jun 01, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 6012

Re: Fidelity 2000 'bonus points'

I think it's real. I got the same offer today. Here's the kicker, though: the amount of mine is different than your amount. I only have to spend $1,850 to start accumulating toward the bonus points. Let me guess you are already a heavy user of the card? Yes, in a normal month we put around $1,000 o...