Search found 26 matches

by wtjbatman
Thu Jun 13, 2019 6:42 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 9421

Re: How safe are pensions in the U.S.?

As a LEO I participate in Missouri's state pension, and they recently announced it is 95.6% funded. But I suppose it just depends on where you live and what type of pension you are participating in!
by wtjbatman
Thu Jun 13, 2019 6:32 pm
Forum: Personal Investments
Topic: Purchasing home with less than 20% downpayment experiences?
Replies: 52
Views: 3567

Re: Purchasing home with less than 20% downpayment experiences?

In 2016, we purchased a new construction home with 0% down using a USDA loan. So far has worked out very well, but we haven't sold it yet. I believe PMI on a USDA loan is fairly small, .4%.

If/when we do sell, the house has already appreciated 15% in value so I'm not too worried at the moment.
by wtjbatman
Tue Jun 04, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 56
Views: 8880

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

My wife and I (mid 30's) just got back from a vacation in Bay St. Louis, Mississippi. Very cute and artsy town, especially the houses near the beach and the "old town" area with the bars, restaurants, antique stores, etc. We used airbnb to stay in a pleasant cottage a quarter mile from the gulf shor...
by wtjbatman
Sat May 25, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 12940

Re: Is the housing market starting to collapse?

Here's my anecdotal evidence the housing market is going strong where I live (VLCOL area in Missouri): Our home (a 4-bedroom, 2-bath, 3-car garage new construction) in a fast growing suburb, outside of a crime-ridden larger city that no one wants to live in, has significantly gone up in value since ...
by wtjbatman
Sun May 19, 2019 10:32 am
Forum: Personal Investments
Topic: Deferred Comp 457 Plan Question
Replies: 6
Views: 525

Re: Deferred Comp 457 Plan Question

My agency offers a Deferred Compensation Plan 457. There are the options of traditional and Roth 457. I have a Roth IRA through Vanguard that I am maxing out every year. Will making contributions to the Roth 457 affect my being able to max out the Roth IRA, or can I contribute the $6000 to the Roth...
by wtjbatman
Sun May 19, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5884

Re: Don't be scared. Prepare.

4. Don't buy any expensive experiences. No cruise for you. If you want to do some travel, start domestically and learn about AirBnB and packing light. They're either going to have 2 million in investments plus a pension paying $73k per year, or 3.7 million in investments... and they shouldn't go on...
by wtjbatman
Thu May 16, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6293

Re: Which car has the best or most comfortable cabin under 35K

My wife and I love our Ford Fusion Titanium. It's a couple years old now, 2016, but it is easily the most comfortable car we've driven. Purchased used for under 20K. The seats are very supportive for both my large frame and my wife's smaller one, and the driver's seat adjusts very well. It's comfort...
by wtjbatman
Tue May 14, 2019 7:20 am
Forum: Investing - Theory, News & General
Topic: What's the highest ER fund available to you?
Replies: 13
Views: 1431

Re: What's the highest ER fund available to you?

So far, I've found this one available in my TIAA IRA fund options with a ridiculously high ER... Naturally, I am not buying.. Nuveen Multi Asset Income Fund Class I (Mutual Funds) NMKIX + 4.17% :oops: I am curious if there is anything more expensive out there?? Who is willing to give away such a bi...
by wtjbatman
Mon May 13, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 65
Views: 13580

Re: Home Air Filters

Not OP, but I have a modest house (4 bedroom ranch, 1700sq ft, built in 2016), and I have 5 air filters I replace. One in each bedroom (14x14x1), and one in the primary hallway (14x24x1). This is our first home. Is that unusual? This seems like a lot. I have a 2000 sq ft house built in 2015 and hav...
by wtjbatman
Mon May 13, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 65
Views: 13580

Re: Home Air Filters

How is your hvac designed such that you need 4 filters (in a residence?) Are you filtering the same air at multiple points? Obviously some huge houses do need 4 or more filters, but I'm guessing those homeowners have a lot more expensive issues than paying $240/year for filters. Not OP, but I have ...
by wtjbatman
Fri Apr 26, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: General spending credit card
Replies: 17
Views: 1445

Re: General spending credit card

My wife and I use the Fidelity Rewards Visa Signature Credit Card. I get 2% cash back, which is automatically transferred into my Fidelity account. I can then withdraw it, or invest it. Thinking about retirement has become more important to us as we enter our mid 30's, so I am investing it. It's a n...
by wtjbatman
Wed Dec 21, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 10143

Re: Grocery cart rolls into side of car, dent, scratched

And now the cost of milk at that regional chain has gone up by a penny to pay for your damaged vehicle. And expected future costs due to this new precedent of paying for the destruction caused daily by shopping carts at their stores. PR gain is non-existent due to not knowing the name of said grocer...
by wtjbatman
Tue Dec 13, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 19923

Re: How old is your vehicle?

12 year old Ford Mustang. Bought when I got my first full time job. Regretted it for a number of years, but at this point it's been paid off for a long time, and I intend to drive it into the ground. Maintenance is surprisingly affordable. In the last three years, outside of oil changes, the only th...
by wtjbatman
Mon Nov 21, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Do you use quick wash when using your dishwasher?
Replies: 29
Views: 12643

Re: Do you use quick wash when using your dishwasher?

Nope. Our DW is energy efficient and very quiet. We don't even rinse dishes before putting them in there, but we do not leave big particles on our dishes either. I know some folks who practically wash their dishes before putting them in their DW. My DW is neither, but I married her anyway. Just kid...
by wtjbatman
Fri Nov 18, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Accounts & Tax Returns
Replies: 13
Views: 1559

Re: Retirement Accounts & Tax Returns

I think I will do a dry run, good idea. We have been looking forward to a larger tax refund for deferring all this money this year, but we have never been able to get a good understanding on how the refunds work. In my laymen's thinking, I would figure that if my federal tax withholding seem to be ...
by wtjbatman
Fri Nov 18, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 5525

Re: Hardwood Floor - purchasing options

We went with natural(unstained) oak and we are glad that we did since stained oak would have made the house very dark. I would be very cautious about using a dark stain. For a modern look, dark is very much in, and nowadays light wood can look old fashioned (and not in a good way). We had "espresso...
by wtjbatman
Thu Nov 17, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 4882

Re: Vacation spots on Alabama's Gulf coast

bradshaw1965 wrote:
RoadHouseFan wrote:Gulf Shores! Alabama is a wonderful state filled with patriotic people.
I'd love to see your highly opinionated map of patriotic people, because you sure have an opinion about it.
Right, but it's an opinion thread. Did he say something wrong?
by wtjbatman
Thu Nov 17, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Which cell phone for 13 year old?
Replies: 59
Views: 6633

Re: Which cell phone for 13 year old?

OP? Be prepared to constantly see your child staring at a small screen. But, I suppose that goes for adults too....incredible time wasting machines for most people. As a millenial, some of the posts in this thread make me chuckle. I didn't realize my father in law was on Bogleheads. But what do I k...
by wtjbatman
Mon Nov 14, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 13708

Re: Are all high-efficiency washers ridiculously LOUD?

If you machine is abnormally loud or normal for it's model isn't something any of use will be able to answer. Based on the OP's description that it sounds like gears grinding, I would lean towards abnormal. We have new washer/dryers that would undoubtedly be considered low end on this forum (Whirlp...
by wtjbatman
Fri Nov 11, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals for a new e-reader (hoping)
Replies: 13
Views: 2122

Re: Black Friday Deals for a new e-reader (hoping)

One note about the Kindle Paperwhite, you don't need to swipe to turn the page. Just press on the right side of the screen. That's actually how I read with it, I don't swipe other than to wake it up. You do need to use your right hand though, as pressing on the left hand side turns the page back. I ...
by wtjbatman
Fri Nov 11, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals for a new e-reader (hoping)
Replies: 13
Views: 2122

Re: Black Friday Deals for a new e-reader (hoping)

If you are already comfortable with the Kindle Paperwhite, my recommendation would then be to stay with the Kindle. There are alternatives out there (which I'm sure other posters will talk about), but my experience with Kindles is overwhelmingly positive. I started with the Kindle keyboard and now h...
by wtjbatman
Sat Sep 20, 2014 12:53 pm
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 4959

Re: Do I Really Need a Million Bucks?

It's all about your expenses, not how much you have saved. That's like... retirement 101. At least, it should be. I suppose it's often not. People frequently just pick a number (like $1 million) and either commit to it or they say they could never save that much money and give up.
by wtjbatman
Sat Sep 20, 2014 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 7989

Re: Sale of a home between boyfriend and girlfriend.

Sounds like SHE bought a house with her money with a mortgage in her name, and SHE paid major expenses such as roof. Boyfriend lived there and occassionally contributed to expenses. However with her name only on the title, and the mortgage in her name, it seems to me SHE gets the proceeds. Literall...
by wtjbatman
Fri Dec 06, 2013 2:55 pm
Forum: Personal Investments
Topic: A newbie question about strategy and dividends
Replies: 13
Views: 1238

Re: A newbie question about strategy and dividends

It sounds like you may have an interest in the dividend growth investment strategy. It's not something commonly promoted here, but I encourage you to learn more if you're interested in developing a long term, buy and hold strategy that can deliver a growing income over time. Just Google dividend gro...
by wtjbatman
Fri Dec 06, 2013 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Need lawyer help regarding lease of business property
Replies: 10
Views: 796

Re: Need lawyer help regarding lease of business property

Dulocracy, I think he should get a lawyer. What do you think? :oops: Probably, but he can't suggest it because his posts are for informational purposes only and are not legal advice. No part of his writing creates an attorney-client relationship with any reader. He is only licensed in Georgia. For ...