Search found 51 matches

by leonardotmnt
Wed Apr 10, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: How to finish wall
Replies: 5
Views: 828

How to finish wall

When we moved into our house there were some water issues in the basement so they installed an internal french drain. The basement was finished before that and they had to cut the wall about 2-2.5 ft up right through the studs and drywall. We're going to refinish the basement how we want but we can'...
by leonardotmnt
Fri Mar 15, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Secondary sump pump needed?
Replies: 39
Views: 2052

Re: Secondary sump pump needed?

I'll take another look at grading around the house. A generator sounds great but I think it's out of the budget for now as is an external drain. There's a good chance we'll just pay the cost now and be done with it since we'd like to get the basement finished and make use of it. It's a relatively hi...
by leonardotmnt
Wed Mar 13, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Secondary sump pump needed?
Replies: 39
Views: 2052

Re: Secondary sump pump needed?

I'm pretty confident water isn't recirculating. It's pumped out of the house and into the drain the down spout goes into. The pump we have is a 1/3 hp Zoeller but I'm not sure the model offhand. The sump isn't always running that much but that's the most it's run when we've had torrential downpours....
by leonardotmnt
Wed Mar 13, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Secondary sump pump needed?
Replies: 39
Views: 2052

Secondary sump pump needed?

We have a half finished basement that we'd like to finish completely. Right now we have a sump pump installed that's 1/3 hp that supposedly can pump up to 2,200 gallons of water every hour. We're definitely going to get a battery backup. When we've had very heavy rains the current pump will run at <...
by leonardotmnt
Sun Aug 28, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 3073

Re: 2013 vs 2016 CR-V

It's questionable if we'd use the roof rails. The DVD player would probably get some use because we have a 9 year old but he could probably just use a tablet and also be able to watch the movie outside of the car if we got to our destination. I have heated side mirrors and they're nice sometimes in ...
by leonardotmnt
Sun Aug 28, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 4093

Re: Where to mount winter tires?

I've had tires mounted and balanced at Walmart before. They did a decent job and it was about $12 per tire I think. TireRack is great for looking at reviews of tires both from Tirerack itself and what thousands of other people have experienced. For many tires in my experience discounttiredirect.com ...
by leonardotmnt
Sun Aug 28, 2016 6:43 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 3073

Re: 2013 vs 2016 CR-V

Thanks mmarreco, that's helpful. This would change things slightly but I had a typo on the used. The price is $20,704 not $21,704. The gap would be narrowed somewhat I suppose by this and the fact that the EX-L would be worth a little more than EX used but does this mean if you keep a CR-V long-term...
by leonardotmnt
Sun Aug 28, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 3073

Re: 2013 vs 2016 CR-V

Thank you. I'm trying to see if we can justify going up to the new EX-L which would have every feature we'd want in the car and be new of course. I'm wary of lifestyle creep though since every package is obviously just a little better and not hard to justify. I have push-button start on my car and i...
by leonardotmnt
Sat Aug 27, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 3073

2013 vs 2016 CR-V

My wife and I are trying to decide on a new or used CR-V. The new would be an EX with the used being EX-L. New price is $24,587 and used is $20,704. Differences are: 2016 EX: About 2 mpg better overall Interior is a little more updated Push-button start Lane Watch CVT more warranty obviously 3 years...
by leonardotmnt
Thu Mar 31, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax appeal from school district
Replies: 5
Views: 876

Property tax appeal from school district

My wife and I bought a house last year and we just got a letter from the school district's lawyers that they're appealing our property tax assessment. There was an assessment done in 2016 that they're appealing. It looks like the assessment is the same as the 2015 numbers. They want the assessment t...
by leonardotmnt
Sun Feb 07, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit
Replies: 4
Views: 870

Re: American Opportunity Tax Credit

I thought that might be the case but the IRS wording was a little ambiguous so I didn't know if it only applied to a new degree. Some of the IRS materials from when the credit was created talked about it helping toward a change in career. Does the Lifetime Learning Credit also have the first 4 years...
by leonardotmnt
Sun Feb 07, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit
Replies: 4
Views: 870

American Opportunity Tax Credit

Can anyone help me regarding eligibility for this credit? My wife went to school for 3 years in her early 20's and didn't get her degree. She is now in her early 30's and a couple years ago completed a Diploma program to be a Registered Nurse. She has now started to obtain her BSN. We haven't taken ...
by leonardotmnt
Mon Oct 26, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Use insurance or pay out of pocket?
Replies: 11
Views: 1256

Re: Use insurance or pay out of pocket?

I would have it at $1000 but my lender requires a $500 max deductible unfortunately. I didn't even think to look initially and had it at $1000 until I got a letter from them after the fact.

I did hit a truck but there was no damage to his vehicle so he didn't want my information.
by leonardotmnt
Mon Oct 26, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Use insurance or pay out of pocket?
Replies: 11
Views: 1256

Use insurance or pay out of pocket?

I got into a minor fender bender today with no damage to the truck I rear ended. My front bumper is cracked along with the head light assembly on one side. My deductible is $500. The shop I'd have it done at gave an estimate of $1700 if I don't go through insurance and about $2k if through insurance...
by leonardotmnt
Mon Jul 13, 2015 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 5139

Re: Credit Score Question - Credit Cards

The SallieMae card from Barclaycard is a good choice. You get 5% back on groceries and gas up to the first $250 spent each billing cycle and 5% on the first $750 spent at bookstores. Products sold by Amazon count as bookstore sales. No annual fee either.
by leonardotmnt
Tue May 26, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 16 Years Old
Replies: 23
Views: 10942

Re: Credit Card for 16 Years Old

Building a credit history is good for things other than incurring debt. They can affect auto and home owner's insurance rates or the ability to be hired in some instances. From what I understood last year when I added my wife to a couple of my accounts as an AU, it does help the person establish a c...
by leonardotmnt
Sat Nov 29, 2014 12:07 pm
Forum: Personal Consumer Issues
Topic: Upgrading phone at Best Buy ($1) versus Verizon store ($200)
Replies: 12
Views: 10089

Re: Upgrading phone at Best Buy ($1) versus Verizon store ($

Last time my wife and I upgraded with Verizon we went to Best Buy because they had the best price for the phones we wanted. The only "gotcha" that I know of is if you get a special offer you generally can't leave the provider (Verizon in our case) for 6 months or so or you'll lose the offer you got ...
by leonardotmnt
Wed Nov 05, 2014 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 21353

Re: Tough spot, decided to lease a car

I suggest taking a look at YNAB. It's basically a virtual envelope budgeting system and it has a 34 day free trial. If it doesn't help or you don't like it you don't have to buy it at the end. I can tell you for us it's saved thousands of dollars over the past year+ we've been using it. And we didn'...
by leonardotmnt
Sat Sep 20, 2014 2:53 pm
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 4992

Re: Do I Really Need a Million Bucks?

I need a million just to live, my goal is once my present consumption portfolio reaches 1M to put it all in 3% CDs and take 1.5% for living expenses and reinvest the other 1.5% to keep up with inflation with compounding and live my life. My retirement, i would like to replace my current income with...
by leonardotmnt
Sat Sep 13, 2014 4:21 pm
Forum: Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 1691

Re: Comm of PA 457 or Vanguard IRA?

Thanks pyld76. I've read the link but it's always good to go back over it. There's no match for my 457 unfortunately but the good part is I have a defined benefit pension plan. After thinking about it I think it's likely we'll continue putting enough in her 403(b) to get the match and then going wit...
by leonardotmnt
Sat Sep 13, 2014 8:28 am
Forum: Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 1691

Re: Comm of PA 457 or Vanguard IRA?

We're in the 15% bracket. Am I correct in assuming that if I'd do a Roth IRA I should also consider the Roth 457? We'll probably be in position to put 6% into my wife's 403(b) to get the 3% match and hopefully max both IRAs if we go that route.
by leonardotmnt
Fri Sep 12, 2014 4:01 pm
Forum: Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 1691

Re: Comm of PA 457 or Vanguard IRA?

Thanks guys. I thought it might be close to the same but I wanted to run it by someone first. The help is much appreciated.
by leonardotmnt
Thu Sep 11, 2014 3:42 pm
Forum: Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 1691

Re: Comm of PA 457 or Vanguard IRA?

Any thoughts? Is more information needed?
by leonardotmnt
Wed Sep 10, 2014 4:07 pm
Forum: Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 1691

Comm of PA 457 or Vanguard IRA?

Is anyone familiar with this? I'd like to start investing some money soon because we've got our emergency fund set up and I'm not sure whether or not to start a Roth IRA at Vanguard or use my 457 Roth at work. Unfortunately the information I can find online is relatively sparse. Does anyone know whi...
by leonardotmnt
Tue Sep 02, 2014 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 37
Views: 4558

Re: Do I need to see my credit report?

Because you have Capital One you can go into your online account and request a credit line increase since you want one anyway. Usually you get rejected going that route but if you do you'll get the real credit score they used. I'm not sure what bureau but it'll be a real Fico score. It was a soft pu...
by leonardotmnt
Mon Sep 01, 2014 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 37
Views: 4558

Re: Do I need to see my credit report?

One thing of note with credit reports is that Credit Karma, which offers the same Transunion FAKO score as Capital One now lets you view your Transunion credit report for free at any time which is kind of nice.
by leonardotmnt
Mon Sep 01, 2014 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 37
Views: 4558

Re: Do I need to see my credit report?

Thank you for your replies. I think I will stick with the 2 cards. I did ask Capital one about 2 years ago for an increase, and they denied it. Do you think it's worth it to ask Chase Freedom for an increase? Does this count as a hard pull or soft pull? Again, if I'm good for the best possible mort...
by leonardotmnt
Fri Jul 04, 2014 8:32 am
Forum: Personal Finance (Not Investing)
Topic: FICO Scores: Which one do you get?
Replies: 39
Views: 13720

Re: FICO Scores: Which one do you get?

There actually are 3 different FICO scores. All 3 major credit reporting agencies will have their own official FICO score. They also all put out FAKO scores which are based on their own algorithm and not FICOs. Sometimes they're close, sometimes they're not. They're better to see which way your scor...
by leonardotmnt
Tue Jul 01, 2014 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 4852

Re: Improving my credit score

Keep in mind as well that Credit Karma, Credit Sesame and those types of scores are all FAKO. They're not your true FICO score and no lender will use them. The one Discover uses is an actual FICO I believe. It should say it's a FICO by the score if it's a true score.
by leonardotmnt
Tue Jul 01, 2014 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 4852

Re: Improving my credit score

Question for all readers ---- What would happen to poster's credit score if he pays most of his account balance just before his monthly bill is issued? As I see it, his utilization rate each month would be very low. My two credit card companies report my balance at the time they issue the monthly b...
by leonardotmnt
Tue May 27, 2014 7:33 pm
Forum: Personal Investments
Topic: Retirement Investment Selection Questions
Replies: 9
Views: 1818

Re: Retirement Investment Selection Questions

If you do pick a Target Date fund you want to pick one with a proportion of equity to bonds that you're comfortable with. Don't worry at all about the date. The proportion of stocks will glide downward as you come closer to the date on the fund so if you don't want it to do that or don't feel comfor...
by leonardotmnt
Sat May 24, 2014 8:27 am
Forum: Personal Consumer Issues
Topic: Own a Samsung Galaxy S3 Phone? --Help!--
Replies: 7
Views: 1134

Re: Own a Samsung Galaxy S3 Phone? --Help!--

I believe it's also possible to set the camera to take a picture based on voice command if you set it up though S-Voice which is a pre-installed Samsung app on the phone.
by leonardotmnt
Wed May 21, 2014 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Adjustable Life Policy
Replies: 4
Views: 463

Re: Help with Adjustable Life Policy

So the increasing costs over time explain why under Guaranteed Assumptions the Net Surrender Value peaks around year 25 and then decreases, eventually ending at $0 at 40? And there will only be a death benefit left after 40 if they make more than 6% on their investments? Because that's unlikely with...
by leonardotmnt
Wed May 21, 2014 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Adjustable Life Policy
Replies: 4
Views: 463

Help with Adjustable Life Policy

My wife has an adjustable life policy her mother got for her in 2002. She was 18 then and is now almost 30. She does have life insurance through work so I don't think this is needed but I'm not terribly familiar with any type of whole life or whole/term combo so I wanted to get a second opinion. The...
by leonardotmnt
Thu May 01, 2014 3:06 pm
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 2545

Re: May 2014 ibond Rate

[OT comment removed by admin LadyGeek]

To stay sort of on topic with I bonds. Does the fixed rate given generally correlate to what the Fed expects to keep interest rates at? For example, if the fixed rate is low does that normally mean interest rates will stay low for the near future?
by leonardotmnt
Tue Apr 01, 2014 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 4188

Re: Maintenance $$'s spent over the lifetime on your Car

For your own safety and that of others it'd be a good idea to perform preventative maintenance on your car instead of being reactive to every problem that happens. When you wear your tires down to the steel belts you not only risk a blowout that could endanger yourself or other drivers or pedestrian...
by leonardotmnt
Tue Feb 25, 2014 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use UPromise?
Replies: 14
Views: 3275

Re: Anyone use UPromise?

I'd say it's worth it. There's no real drawback to it and you can get some extra money sent toward your loan. Rewards do stack. The Amex rewards would be totally separate from Upromise ones. I also take surveys through e-Rewards and earn some money that way. You just have to remember to go through t...
by leonardotmnt
Mon Feb 10, 2014 10:28 pm
Forum: Personal Investments
Topic: Roth space
Replies: 3
Views: 543

Re: Roth space

Thanks for the clarification guys. I figured there had to be some reason that's not suggested :)
by leonardotmnt
Mon Feb 10, 2014 6:55 pm
Forum: Personal Investments
Topic: Roth space
Replies: 3
Views: 543

Roth space

I'm not sure if this makes any sense so feel free to tell me if it doesn't. Would there be any advantage to creating a Roth IRA, even if I needed the money for something else currently, and withdrawing the contributions right away so there was tax advantaged space created for when I'm able to actual...
by leonardotmnt
Sat Jan 25, 2014 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Online Budget System
Replies: 6
Views: 822

Re: Online Budget System

Another vote for YNAB (You Need a Budget). It does cost money but for us it was easily worth at least 10 times what it cost within 3-4 months. I used to use Mint and tracked all expenses on an Excel sheet but they did much better with tracking expenses than actually budgeting. I'd suggest you at lea...
by leonardotmnt
Sun Dec 15, 2013 5:16 pm
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 7432

Re: Buying snow tires

I'd start by looking at Tirerack.com. Even if they don't end up being the lowest price they do a very good job with their own reviews and you can look at the aggregate ratings of other people for most of the tires. They rate things from Wet and dry traction to snow and ice traction to noise and trea...
by leonardotmnt
Sat Dec 07, 2013 6:47 pm
Forum: Personal Consumer Issues
Topic: Extreme Cheapskates
Replies: 25
Views: 4098

Re: Extreme Cheapskates

I did see one semi-reasonable person on the show. He was married and I believe he retired early. They had what looked to be a pretty nice house and he biked everywhere instead of driving. (No, he was not Mr. Money Mustache) :) They had a weekly spending fast a few times a year. The only weird thing ...
by leonardotmnt
Mon Dec 02, 2013 10:39 am
Forum: Investing - Theory, News & General
Topic: Are Squirrels on to something?
Replies: 13
Views: 1741

Re: Are Squirrels on to something?

http://www.theonion.com/articles/chipmu ... hat,34172/

Admittedly it's about chipmunks and not squirrels but close enough!
by leonardotmnt
Sat Nov 16, 2013 4:23 pm
Forum: Personal Investments
Topic: Target Retirement or Individual funds?
Replies: 11
Views: 2123

Re: Target Retirement or Individual funds?

Thanks guys. Sounds like it's unanimous. I know it's not a ton difference right now with the ER differences so maybe I've been reading a little too much about how fees affect returns. You're right, it's probably not worth the extra trouble right now to have multiple funds. Do you think it's worth sp...
by leonardotmnt
Sat Nov 16, 2013 2:35 pm
Forum: Personal Investments
Topic: Target Retirement or Individual funds?
Replies: 11
Views: 2123

Target Retirement or Individual funds?

My wife and I don't have any retirement savings currently and we're both 29. We're going to start investing up to the match in her 403(b) and then eventually ramp it up after we pay off some debt. I'm trying to decide whether to put the funds in a split between Vanguard TR 2030 and 2035 or use indiv...
by leonardotmnt
Thu Nov 14, 2013 8:56 pm
Forum: Personal Investments
Topic: 403(b) earnings taxed?
Replies: 14
Views: 1259

Re: 403(b) earnings taxed?

I think I do get that now :) So I'm gathering that I should invest up to the match in the 403(b) and then fund a Roth IRA up to the max if I'm able? Sounds easy enough. Thanks for the patience.
by leonardotmnt
Thu Nov 14, 2013 8:12 am
Forum: Personal Investments
Topic: 403(b) earnings taxed?
Replies: 14
Views: 1259

Re: 403(b) earnings taxed?

Thanks neurosphere. That actually does help a lot with the whole concept. I suppose even if I don't understand the math exactly at this point as long as I know what to do in different situations I'll be okay. I appreciate all the help guys. Hopefully someday I'll be able to pay it forward and help e...
by leonardotmnt
Thu Nov 14, 2013 7:33 am
Forum: Personal Investments
Topic: 403(b) earnings taxed?
Replies: 14
Views: 1259

Re: 403(b) earnings taxed?

@grabiner: Thanks for the explanation and bearing with me. @Angst: That was part of my original question. So there are 403(b) plans that you can do after-tax contributions that are not Roth? When would there be an advantage of doing after-tax instead of before tax contributions in that case? I think...
by leonardotmnt
Wed Nov 13, 2013 11:11 pm
Forum: Personal Investments
Topic: 403(b) earnings taxed?
Replies: 14
Views: 1259

Re: 403(b) earnings taxed?

If I'd contribute the same $1000 after-tax though wouldn't I come out even at the end if my tax rate stayed the same? I was thinking about doing after-tax contributions for now since we'll be in the 15% tax bracket still for a couple years and I thought that would be a better option if our tax rate ...
by leonardotmnt
Wed Nov 13, 2013 9:24 pm
Forum: Personal Investments
Topic: 403(b) earnings taxed?
Replies: 14
Views: 1259

Re: 403(b) earnings taxed?

There's a 50% match on up to 6% of her contributions.