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notmyhand

I am feeling a little guilty and need some reassurance. Can I continue paying off my mortgage before turning my attention to the 529? Background: -All retirement accounts are being maxed -1 child, 9 months old, currently has one year of room & board plus tuition for state school in 529 (35k). Goal i...

notmyhand

Mine subsidence insurance if coal mines are or were prevalent in the area.

notmyhand

LadyGeek wrote: ↑
Tue Jul 02, 2019 9:11 am
I merged notmyhand's thread into the on-going discussion, which is a sticky in the US Chapters forum (Bogleheads Community).

Thank you! Didn't realize this thread existed.

notmyhand

[Thread merged into here, see below. --admin LadyGeek] Thanks to the markets and a paycheck hitting, DH and I hit the double comma net worth club! :D -30% house equity -10% cash -60% retirement/taxable in 90/10% stock/bond allocation Can't share with anyone else so decided to share here! So glad I ...

notmyhand

I was busy in April so I mailed in extension forms. Now I'm finalizing a return in Turbotax and cannot figure out how to tell Turbotax that I filed an extension so that my state return says 'Yes' next to the "extension?" part. I did not file the extension in turbotax. Anyone else figure this out?

notmyhand

So I was reading my 401k document and noticed a section named "administrative expenses" that described a 0.21% expense for record keeping and a 0.44% expense for administration and management. I assume that this is in addition to the expense ratios for the funds? This seems awfully expensive, does i...

notmyhand

My boss told me I need to take up golf in order to take clients out. What is the best starter set of women's golf clubs and anything specific that a beginner should spend money on? I don't think this will pay off immediately for me so I am trying not to spend a ton of money here.

Thanks!

notmyhand

I'm about to turn 30 this year and am curious what this next decade will bring. I already have a young child, a marriage, home, and career so curious if it gets much different and if there is anything financially I should prepare for. I already have a will, life and disability insurance, and have st...

notmyhand

I live on a long hilly gravel driveway in the north where we regularly get snow. I am looking for a minivan and the only one that has AWD is the Toyota Sienna. I like the other minivans available more than I like the Sienna but they do not have AWD. My 2009 Honda Civic, without AWD, cannot get out o...

notmyhand

I was recently rear-ended on a highway and the insurance of the person who hit me is taking full responsibility. When I asked the insurance person who is taking care of my car repair about the diminished value, they said they were not sure who would even handle that since the car will be fine after ...

notmyhand

Hello all! 29 year old petite female, recently promoted to director level at our small company, in a sector that is 80% older men. I happen to be blessed with youthful looks (look to be about 19-20 and get carded regularly). I find myself overlooked at some meetings and events which was fine until n...

notmyhand

I recently got promoted and it came with no salary increase but with increased profit sharing. At my current client level, it amounts to about 50k/year but obviously is not guaranteed. What do you do with your bonuses? Do you just apply them to whatever financial goal you are currently working? Do y...

notmyhand

I was rear ended on the highway. Thankfully not too much damage to the car and the only physical injury I was diagnosed with is concussion and whiplash. I live in Pennsylvania which means my medical bills are all covered by my own insurance company. However, the insurance company for the person who ...

notmyhand

DH and I have a six month old and we are finding ourselves with a lack of time to get the basics done. DH and I both work a minimum of 60 hours a week and DS is in daycare so is sick often and our family logistics have been shot. HHI ~350k with bonuses, 90k without bonuses, 950k NW, 250k in house eq...

notmyhand

It's time to buy another vehicle and I need advice on Minivan or 3rd row SUV? Family of 3 currently with an infant in a car seat but expecting to add more at some point. Also have Golden Retrievers and a small hobby farm so need space. We currently use a 2 row SUV and hook up a small trailer but it ...

notmyhand

If you assume a 25% effective tax rate in retirement and 4% withdrawal rate (bit risky) you need just over $3.3M. To avoid worrying about inflation you should assume a real rate of return. Equities returning 4% real and bonds 1% is probably a decent range but at 15 years it could be much less (or m...

notmyhand

What is your current age? A general rule of thumb is 25X expenses, although for early retirement you want to go higher to be safe. $3M should be a pretty safe number for you. Also check out http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Thank you for t...

notmyhand

How much do I need to save annually if: -I want the possibility to retire in 15 years at the age of 45 -I want to spend 100k post-tax in today's dollars -I have 700k currently saved in pre-tax dollars in a 70/30 split -Assuming a 70/30 portfolio The inflation and tax rates confuse me a bit so if som...

notmyhand

Had a tiny services business, LLC taxed as a sole proprietorship. Sold it for 4k but I have no idea where to list the 4k on my tax return. The sale was for the client list with a non-compete. I am assuming it doesn't just go on my Schedule C as revenue. Can anyone point me in the right direction? Th...

notmyhand

The main one I see is daycare. Yikes, $19k for one kid, even an infant! Is there a cheaper daycare option? If things went down or bad, could one stay home and one keep working? Good point, we can go down in childcare to a ~14k daycare. I could not find an inhome daycare I trusted but might need to ...

notmyhand

Currently spending the following which does not include health/dental: 3k in house/car/mine subsidence/umbrella insurance (1k deductible for house and car, full coverage on two cars because we have a lot of deer in the area, 1mil umbrella) 5k in disability insurance (two own-occupation policies with...

notmyhand

Most of our pay comes from commissions and I am worried about the commission prospects in the next 2-3 years so I would like to reduce our base expenses. We spend a lot a lot on convenience items which can be cut easily if anything happens but we have very high base expenses which make me worry. Our...

notmyhand

How is everyone handling savings - for example additional mortgage principal payments? You can label it mortgage but then it shows up as spending or you can label it transfer or you can set up a category known as savings. What seems to work best for everyone?

notmyhand

We live in a not so great school district and just had a baby. We love our house otherwise, however, if the right thing came along in a better school district, I would entertain moving. It would really take something very similar to what we have. Are there any online websites where we can put in wha...

notmyhand

I have never been great at doing a monthly budget - things always seem to come up. Therefore, in the past, we have made annual goals and worked towards saving those and then just spent the rest. I have noticed that our spending has creeped up in doing so however and am thinking budgeting might help ...

notmyhand

I need to update my resume since I am now a manager instead of an individual contributor and am having a hard time of it. I am currently at the awkward 1.5 pages of boring text mark so need to add to it and make it more enticing. I am looking for a great website or book that might have things such a...

notmyhand

Hoping that manually entering transactions will keep us within our budget. I am looking for some great budgeting spreadsheets. Particularly looking for spreadsheets that will tell me how much I have left in each category, has a tab that shows useful charts, and can keep several months worth of data....

notmyhand

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...

notmyhand

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...

notmyhand

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...

notmyhand

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?

notmyhand

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......

notmyhand

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...

notmyhand

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...

notmyhand

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...

notmyhand

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 ...

notmyhand

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...

notmyhand

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...

notmyhand

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...

notmyhand

... 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...

notmyhand

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...

notmyhand

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...

notmyhand

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...

notmyhand

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...

notmyhand

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...

notmyhand

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,...

notmyhand

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 ...

notmyhand

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...

notmyhand

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...

notmyhand

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

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