Search found 302 matches

by notmyhand
Tue Aug 28, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2919

Body language coach?

I've found myself in a position at work that has more sales than I am comfortable with. I am generally an introverted quiet person and I do not have problems managing below me but am having trouble connecting with possible clients. I've taken sales classes before so once I connect I think I'm okay b...
by notmyhand
Sat Aug 25, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Which health insurance plan?
Replies: 2
Views: 274

Re: Which health insurance plan?

Does the base plan qualify as a high-deductible health plan? If so, you can contribute to an HSA, which will let you contribute $6900 and get a tax deduction, then spend it on the health care you use. You can thus add the tax savings on the $6900 to any cost difference. Similarly, if you pay the in...
by notmyhand
Sat Aug 25, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which health insurance plan?
Replies: 2
Views: 274

Which health insurance plan?

It's election time - hubby, myself, and expecting a baby boy in the fall. Deductible is met through the end of the year so I am more wondering about what to elect for next year coverage. I use a good amount of health care, have hit my individual OOP for two years. Might have ear surgery next year, o...
by notmyhand
Wed Jul 18, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 15
Views: 15846

Re: Vanguard 2 factor authentication and Mint or Personal Capital

Has there been any change to this? I got an email from Vanguard saying soon I will absolutely have to have two factor authentication but I really like to see it in Mint. Anyway to make it work without manually updating it?
by notmyhand
Sat Jul 14, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1211

Re: Pay to be in school district or move?

Food for thought: studies have consistently shown that moving a child from a "poor/low rated" school district to high rated school district had little to no effect on student achievement, test scores, or outcomes of said student. Students in "high rated" school districts have one thing in common......
by notmyhand
Sat Jul 14, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1211

Re: Pay to be in school district or move?

If you do not have the children yet, I would wait. Lot of things can change: jobs, number of kids, wants, housing market. We're not considering doing anything now - just trying to plan. For example, if we decide to pay tuition then I will be adding extra money to 529s since that can pay for K-12 no...
by notmyhand
Sat Jul 14, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1211

Pay to be in school district or move?

Just expecting so this is a 5 year plan but I'm trying to figure out what I need to save to make this happen. We love our home, it's on some acreage and is absolutely beautiful, worth about 425k and will hopefully be paid off in the next 1-3 years. However, we are not in a great school district. Whi...
by notmyhand
Fri Jul 13, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Guardian and Trustee being the same person?
Replies: 4
Views: 371

Guardian and Trustee being the same person?

Dh and I are expecting and are updating our simple wills to include pour over trusts so that our child doesn't inherit directly. We know who we want as the guardians but have no idea who to choose for the trustee - none of our friends or family members share our financial goals/visions but our net w...
by notmyhand
Wed Jul 04, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

I think I found my model number in case anyone is interested Coleman THJD60S4146A. Odd thing, google keeps coming up with Luxaire manuals. Getting some HVAC company suggestions now. Hoping they can figure this out! Oh and we will try to not use the baseboards this year as our energy audit also told ...
by notmyhand
Wed Jul 04, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1384

What to add to the baby registry?

I see there have been several topics on this over the years but since baby gear changes so quickly, I figured I would get a new round of opinions. I am putting together my baby registry for our son that is due in the fall. I am adding everything I will need for the baby, even if I don't expect anyon...
by notmyhand
Tue Jul 03, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Still going through replies but wanted to add - -We did switch to a smart thermostat in 2017 to try and save money, we wired it ourselves (hooked up like the last one) and nothing changed bill wise. -In the winter of 2016 when the heat pump was just 5 months old, the defroster was not working, the h...
by notmyhand
Tue Jul 03, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Have you confirmed that your emergency heat isn't coming on every time the heat pump is on. That happened to my neighbor and it was costing him a couple of hundred a month here in Texas. I'm sure that number would be a lot larger up north. We had this problem when we purchased an existing home. The...
by notmyhand
Tue Jul 03, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

... My thermostat has "emergency heat" that shows up when it's on but I'm not sure how accurate that is. But during the months of December/January/February, emergency heat is pretty much on at all times that the heat pump is on. That doesn't sound right. Your 2016 heat pump should be carrying the l...
by notmyhand
Tue Jul 03, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Do you have storm windows? Interior custom storms might be an option on those big A-frame windows. I've even seen people make homemade storms (essentially plastic sheeting stapled to window frames) to stop air infiltration in winter. Heavy drapes would also help. Aside from that, I can only recomme...
by notmyhand
Tue Jul 03, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Have you confirmed that your emergency heat isn't coming on every time the heat pump is on. That happened to my neighbor and it was costing him a couple of hundred a month here in Texas. I'm sure that number would be a lot larger up north. How did he confirm? My thermostat has "emergency heat" that...
by notmyhand
Tue Jul 03, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Do you have storm windows? Interior custom storms might be an option on those big A-frame windows. I've even seen people make homemade storms (essentially plastic sheeting stapled to window frames) to stop air infiltration in winter. Heavy drapes would also help. Aside from that, I can only recomme...
by notmyhand
Tue Jul 03, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

I have to get some information about our heat pump to answer some of the questions but as for what we are paying per kwh, it is: Distribution (can't change): 0.041456 per kwh Service support charge (can't change): 0.003230 per kwh Generation (can change): 0.059898 per kwh For a total of 0.104584 pe...
by notmyhand
Tue Jul 03, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

I have to get some information about our heat pump to answer some of the questions but as for what we are paying per kwh, it is: Distribution (can't change): 0.041456 per kwh Service support charge (can't change): 0.003230 per kwh Generation (can change): 0.059898 per kwh For a total of 0.104584 per...
by notmyhand
Mon Jul 02, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

With heating expenses that high I would seriously consider installing an alternative heating system.What kinds of systems do your neighbors use and how much are their heating expenses?. For those kind of winter monthly expenses I would consider alternatives like natural gas( if available), propane,...
by notmyhand
Mon Jul 02, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Those bills are crazy high, even for electric. Something is not working correctly. Is there any insulation in the walls/ceilings/attic? Single pane windows? Could you add a propane base system with mini-splits? A heat pump when it is below freezing is worthless. There is no heat in that temp. They ...
by notmyhand
Mon Jul 02, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

I only have access to electric heat. I live in SW Pennsylvania and leave my thermometer at around 68 in the winter when we are home and the bedrooms are still freezing. We have baseboard heat in the rooms and we also have a heat pump (which obviously runs on emergency heat when it is freezing). Eve...
by notmyhand
Mon Jul 02, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

How do I fix my heating bill?

I only have access to electric heat. I live in SW Pennsylvania and leave my thermometer at around 68 in the winter when we are home and the bedrooms are still freezing. We have baseboard heat in the rooms and we also have a heat pump (which obviously runs on emergency heat when it is freezing). Even...
by notmyhand
Wed Jun 27, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6750

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Subaru Forester and a trailer. (I forest manage my 13 acres and have never needed a pickup ever. My Wrangler and trailer do everything I can think of doing. Oh, and the Kubota) We have one but not having a truck bed is inconvenient. And the car suspension starts to sag as I load 500+lbs on it
by notmyhand
Wed Jun 27, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 603
Views: 88129

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Considering a Ridgeline, anyone know if the 2018 or 2019 Ridgeline possibly has the same problem? Having trouble finding anything concrete
by notmyhand
Wed Jun 27, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6750

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I really appreciate the discussion - helping me learn as this is the first time I've found myself with some acreage needing a truck. Newbie truck owner questions - I don't see much of a payload difference between the trucks. The F150 goes 1,485 to 2,311 lbs (with the payload package), the Ridgeline ...
by notmyhand
Tue Jun 26, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6750

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Why aren't you considering an F-150? That would be my first choice. 2nd-Silverado. I wouldn't consider anything else. Stay away from Dodge. Toyota and Honda are okay but they aren't truck focused like Chevy and Ford. If you're buying an Econobox/SUV, then Toyota/Honda for sure. Outside of my husban...
by notmyhand
Tue Jun 26, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6750

Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Dropped off my ten year old civic at the shop today with transmission problems. If it ends up being more than a $500 fix, I will end up replacing it and we are in desperate need of a truck (live on 20 wooded acres with a gravel road and livestock). I personally dislike driving a truck so the promise...
by notmyhand
Thu Jun 21, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11957

Feel like I'm sinking money into international

Began investing in 2013 with an allocation of 25% in total international. As most of my investments are in retirement accounts, my IPS tells me to rebalance with new investments. For example, as of today, I have to put in another 10k to make it 25% despite just sticking all of my 2018 IRA contributi...
by notmyhand
Mon Jun 18, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1247

Re: Best stroller+infant seat for gravel roads?

Thanks everyone! I've added the BOB rambler travel system to my registry but will be looking for the revolution if I can find it on sale. That price tag! :moneybag Still glad to hear a consensus that it's a good one to use off road. Appreciate the help!
by notmyhand
Sun Jun 17, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1247

Best stroller+infant seat for gravel roads?

First baby, the options and prices are mind bogling. I live at the end of a 1000ft gravel driveway so thinking I need one of those jogger type strollers to go over the gravel but having a hard time finding a stroller and a car seat that works with it that is well rated and has side impact protection...
by notmyhand
Fri Jun 08, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3882

Re: How much to spend on daycare?

p14175 wrote:
Fri Jun 08, 2018 1:17 pm
Can you work different hours so that one of you is always home?
No, 8-5 professional office environment.

Thank you for the insight thus far everyone. Very helpful.
by notmyhand
Fri Jun 08, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3882

Re: How much to spend on daycare?

Option C, private nanny for individualized care. When the baby is that young, she isn’t socializing with other kids and will be stuck on a schedule. We went the private nanny route with both kids and then put them in a nice daycare later when they were old enough to really play with other kids. But...
by notmyhand
Fri Jun 08, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidies and single LLC
Replies: 14
Views: 1424

Re: ACA subsidies and single LLC

Remember the limit to solo 401ks - 18.5k in employee contributions assuming no other 401k contribution and then 20% of profit minus half of self employment. I see some people thinking they can go up to the 54k limit without the profit to support it.
by notmyhand
Fri Jun 08, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3882

How much to spend on daycare?

Not looking to get into a heated debate but looking for some insight on the topic of daycare costs. Expecting our first in November. Interviewed a few different daycares and have noticed a big difference in quality that correlates with cost. On the most expensive end, we have one for 20k for the yea...
by notmyhand
Mon Apr 30, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Help defining needs for Will / Estate plan
Replies: 17
Views: 1280

Re: Help defining needs for Will / Estate plan

Side question pertaining to this - aren't trusts taxed at a high rate? So wouldn't leaving all your money to a trust that can only give away some of it each year be inefficient? Especially if the majority of that was after tax investments like life insurance proceeds?
by notmyhand
Sat Apr 28, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3345

Re: When would you replace a car?

FWIW I had an 04 civic and it handled snow quite well. Front wheel drive does a great job in snow. I would think on gravel pretty good as it should help with traction to a degree The problem is the hills, it can't get up a gravel hill in the snow (it doesn't get plowed). We've tried. It ended up st...
by notmyhand
Sat Apr 28, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 34802

Re: Those with high savings rate: why?

A coworker of mine had cancer last year (late 30s). As most of our income is commission based, his income dropped so low, his stay at home wife had to go get a full time job and he had to try to work through his ten day at a time hospital stays. When we went to visit him, he was a mess as he really ...
by notmyhand
Sat Apr 28, 2018 8:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56462

Re: Paid Off Mortgage Today

Congratulations! How exciting!
by notmyhand
Sat Apr 28, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3345

When would you replace a car?

DH and I work at the same place so we often carpool. We drive a 2015 Subaru Forester most of the time. Our backup car is my ten year old Honda Civic with 200,000 miles on it which doesn't heat/cool and has a permanent problem with the tire sensor. We use that car about twice a week when we have diff...
by notmyhand
Mon Apr 23, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2645

Re: estate planning with animals

This way rather than burdening a relative with this stipulation, you can find a stranger that share your love for animals? The OP hasn't answered yet whether these farm animals are livestock which are sold for slaughter or rescues which get to spend the rest of their lives safe. They are semi-lives...
by notmyhand
Sat Apr 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2645

estate planning with animals

This may be a bizarre question to many of you but I'm hoping someone can relate and has thought about it. DH and I live on a hobby farm and have about ~100 animals between the farm animals like chickens, four large dogs, and about twenty cats. We want to leave the majority of our relatively minor es...
by notmyhand
Thu Apr 12, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: DINK High Income Earners - how to lessen the tax impact?
Replies: 25
Views: 2831

Re: DINK High Income Earners - how to lessen the tax impact?

I may be incorrect but just wanted to note that I believe s-corp owners have to take distribution per their ownership percentage so the silent partner can't just take appreciation .
by notmyhand
Sat Apr 07, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 9238

Re: Effect of spending money on appearance in career

Just a quick update. Not sure why it happened but I did get a more professional hair cut and wore suits since I posted this. Got my promotion effective the 1st. No one mentioned appearance as being a determining factor and I suspect it was a combination of feeling more confident that helped but figu...
by notmyhand
Mon Mar 12, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Deduct cost of health insurance (s-Corp) for officer if wife gets group insurance through employer?
Replies: 5
Views: 421

Re: Deduct cost of health insurance (s-Corp) for officer if wife gets group insurance through employer?

I misunderstood. So yes the s Corp can deduct it as a part of your wages (included in box 1 of your w2) but you cannot deduct it on your personal so you will still be responsible for taxes on it. "A 2-percent shareholder-employee is eligible for an above-the-line deduction in arriving at Adjusted Gr...
by notmyhand
Mon Mar 12, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Deduct cost of health insurance (s-Corp) for officer if wife gets group insurance through employer?
Replies: 5
Views: 421

Re: Deduct cost of health insurance (s-Corp) for officer if wife gets group insurance through employer?

No you can't because likely it is already pretax (does it come out before your wife gets her paycheck?)
by notmyhand
Mon Mar 05, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Benefit of after tax 401k contribution?
Replies: 14
Views: 1453

Benefit of after tax 401k contribution?

My 401k plan allows for after tax 401k contributions but does not allow for in-service rollovers (aka mega backdoor roth). What would be the benefit of contributing to an after tax 401k? I don't get a benefit now and earnings still get taxed correct? Any reason to do this and not a taxable account? ...
by notmyhand
Sun Feb 25, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: keeping track of basis for a small investment
Replies: 10
Views: 457

Re: keeping track of basis for a small investment

The real problem here is the "addict spouse" rather than how to keep track of the basis for an investment or even where and how to set up such an investment under the circumstances. That presumably adult children don't want to get involved is a red flag that you should be wary of getting involved, ...
by notmyhand
Sun Feb 25, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: keeping track of basis for a small investment
Replies: 10
Views: 457

Re: keeping track of basis for a small investment

I already own a brokerage account with Vanguard that owns VTI. Can I open another account to keep it separate? I didn't see that option. I will be paying taxes and reimbursing myself and that has been discussed with the kids. I've asked the kids to do it instead but none of them want to. How to hel...
by notmyhand
Sun Feb 25, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: keeping track of basis for a small investment
Replies: 10
Views: 457

Re: keeping track of basis for a small investment

Any broker will track the cost basis. That really isn't the biggest problem in this scenario. You're getting involved in something akin to financial infidelity, which may be for all the right reasons, but is a tangled web. There are statements, and addresses of record, and taxes to be paid on inter...
by notmyhand
Sun Feb 25, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: keeping track of basis for a small investment
Replies: 10
Views: 457

Re: keeping track of basis for a small investment

A relative of mine has squirreled away 40k that she wants to invest. She has no technology knowledge and doesn't speak much English plus she does not want her spouse to know about this money so she has asked me to invest it in my accounts. I have spoken with her kids who are okay with me doing so e...