Search found 159 matches

by kelvan80
Mon Jul 06, 2020 12:56 am
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2727

Re: I killed my washer

We had the same issue as Wabbit. Luckily I was home when it happened otherwise we would have had a pretty big water situation in the house. Are you able to manually put the washer into the drain part of the cycle. That's what I did. Then I ordered a new washer because it was already 10 years old and...
by kelvan80
Sat Jun 20, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do [we] need life insurance?
Replies: 28
Views: 2232

Re: Do Bogleheads even need life insurance?

Have you asked your wife what level of insurance she is comfortable with? I'd run a full mock budget based on her income and include time home in case she decides to be with the kids an extended amount of time. Also some policies provide for payment up front if you become terminal which is highly be...
by kelvan80
Fri Jun 19, 2020 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to do your own taxes?
Replies: 48
Views: 2656

Re: Learning how to do your own taxes?

The IRS runs a program which I participated in but for the life of me, cannot remember the name of but it includes voluntary and tax preparation in the title. I did it through the military but it makes a big difference in learning the process. I can do our taxes with ease and I am not a math guy. I...
by kelvan80
Wed Jun 17, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10096

Re: Disappointed in Fidelity 2% Cash Back credit card

Yep I believe we got a $150 bonus after initial spend.
by kelvan80
Wed Jun 17, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card budget tracking
Replies: 11
Views: 873

Re: Credit card budget tracking

Both, either. :) just click on the date
by kelvan80
Wed Jun 17, 2020 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10096

Re: Disappointed in Fidelity 2% Cash Back credit card

Do either of you have a Roth IRA? We already had ours with Fidelity so it was a no brainer for me.
by kelvan80
Mon Jun 15, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card budget tracking
Replies: 11
Views: 873

Re: Credit card budget tracking

Mint does allow you to adjust your dates. I do it all the time.
by kelvan80
Mon Jun 15, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1206

Re: EZ-Pass Issue for Pennsylvania

So in our case we had Virginia plates but lived in Rhode Island because we are military. Would it become an issue of who gets the money with different states collecting?
by kelvan80
Mon Jun 15, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1206

Re: EZ-Pass Issue for Pennsylvania

I would assume it's because billing with a paper bill cost money whereas the transponders are front loaded and they don't have to track people down to get paid.
by kelvan80
Sat Jun 13, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Verify a young families priorities
Replies: 29
Views: 2444

Re: Verify a young families priorities

I'd sell the cars and buy two $20k cars. You can get really nice cars for that and you'll pay $30k less even if you are underwater on current vehicles. That's $30k you can drop into retirement, or a 529. Recommend reading Your Money or Your Life.
by kelvan80
Sat Jun 13, 2020 1:44 am
Forum: Personal Finance (Not Investing)
Topic: $120,000 in credit card debt
Replies: 72
Views: 9631

Re: $120,000 in credit card debt

What does three months of savings look like? I'd keep that much minimum and then attempt to pay the debt off as part of a snowball plan. Maybe keep six months even. But develop a workable plan to get and stay out of debt.
by kelvan80
Mon May 25, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Two kids, how to divide 529 allocation?
Replies: 11
Views: 1478

Re: Two kids, how to divide 529 allocation?

Also if you are eligible for the American Opportunity Tax Credit you may want to consider that as part of your planning. We are planning to cash flow a portion of each of their college because we will need the credit on our taxes at that point since losing the Child Tax Credit because of the age pha...
by kelvan80
Mon May 25, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: New here, need help with creating a nest egg for my autistic son
Replies: 19
Views: 1691

Re: New here, need help with creating a nest egg for my autistic son

I'm not sure if it fits into your plan but an ABLE account might be appropriate in your situation.

https://www.ablenrc.org/what-is-able/wh ... e-acounts/
by kelvan80
Mon May 25, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3969

Re: What to do with Mother-In-Law

Is the Veteran's benefit SBP (Survivor Benefit Plan) or DIC (Dependency and Indemnity Compensation)? There should be a statement somewhere that details out the amount of the benefit.
by kelvan80
Mon May 25, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18566

Re: Bird watchers – what birds are you seeing?

We had three Pileated Woodpeckers playing tag outside our sliding glass door the other day. I got to see them three separate times. I 'd never seen them so close before. Their wingspans were quite large.
by kelvan80
Fri May 22, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice: Loan Depot Refi
Replies: 2
Views: 495

Re: Need Advice: Loan Depot Refi

How many years do you have left on your original mortgage? It seems from another thread that these last refund was done 20 years ago. Not sure if it's worth it to add $4k in closing costs to this loan. How is the rest of the debt payoff going?
by kelvan80
Thu May 07, 2020 1:00 pm
Forum: Personal Investments
Topic: Dollar cost average into FSKAX?
Replies: 11
Views: 1078

Re: Dollar cost average into FSKAX?

At $500/month you are looking at 160 months of DCA and at $1000/month only 80 months. Why not $20k a month or $10k? I would never spread out a DCA longer than a year. When is this investment needed? Time in is greater than timing.
by kelvan80
Sun Apr 19, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on how to file taxes for teenager
Replies: 19
Views: 713

Re: Advice on how to file taxes for teenager

I'd personally just efile for him on the irs.gov website if you understand the mechanics of taxes. It would be a good lesson for him/her to look at a tax table. Whether or not he qualifies for a stimulus check will depend on whether you claimed him as a dependent on your taxes which I'm guessing you...
by kelvan80
Sun Apr 19, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus check - Help?!
Replies: 17
Views: 2133

Re: Stimulus check - Help?!

Do you have any children under 17?
by kelvan80
Thu Mar 26, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: Do any of you not rebalance?
Replies: 57
Views: 3081

Re: Do any of you not rebalance?

My rebalance went through two days ago. We are 70/30 and were off about 10%. We usually rebalance with new funds, but this time we were out of whack by about $20k. It may have to happen again but I probably won't look unless it falls again another 10 or 20%.
by kelvan80
Sat Mar 21, 2020 9:28 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18285

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

On March 13 you posted this. If you are invested in a well diversified index fund like the S&P 500 and you have a long time horizon, then you have nothing to worry about. If you have a short time horizon and/or you aren't invested in a sound equity investment, then yes there should be some level of ...
by kelvan80
Mon Mar 16, 2020 8:11 pm
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8357

Re: Who is continuing to buy as planned?

Bought $500 of international today. Someday it'll pay off.
by kelvan80
Wed Mar 04, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Form IRS Rejection
Replies: 18
Views: 3510

Re: Free File Fillable Form IRS Rejection

https://www.taxslayerpro.com/blog/post/ ... ssing-year

I'm not sure if this is helpful. I had a few errors on efile one year and googling them helped me to find the errors and correct them. Good luck.
by kelvan80
Mon Feb 24, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8541

Re: How quickly did you receive your 2019 tax refund?

About 8 days after filing. We filed around three beginning of February.
by kelvan80
Thu Feb 13, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: How big of a car do you need for a kid and his/her stuff?
Replies: 66
Views: 3601

Re: How big of a car do you need for a kid and his/her stuff?

For long trips where you need more space you could always rent a smaller suv but for one kiddo I wouldn't make any changes.
by kelvan80
Sun Feb 09, 2020 11:37 am
Forum: Personal Investments
Topic: 17 mo CD 2.25 apy Is there better?
Replies: 35
Views: 3324

Re: 17 mo CD 2.25 apy Is there better?

I opened one for each of us last night thanks! We have the 2.75 10 month but they mature end of March. May usually brings some good rates as ord their birthday celebration month I think.
by kelvan80
Fri Feb 07, 2020 11:49 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6954

Re: The annual "Boglehead considering a country club" thread

You'll be wanting to get your money's worth and she may have different ideas for your spare time. Perhaps she already is already familiar with your 4 hour absences on sunny weekend days, but it may cause some friction with a newborn at home. :| Ha ha it's never just a four hour absence though, is i...
by kelvan80
Fri Feb 07, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Find a Good Mortgage Calculator for Savings from Prepaying Mortgage
Replies: 11
Views: 873

Re: Help Me Find a Good Mortgage Calculator for Savings from Prepaying Mortgage

http://mortgage-x.com/calculators/extra ... ulator.asp

This one for sure. I loved the different manipulations. It really showed me how every step could cut years of payments and interest off.
by kelvan80
Fri Dec 13, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6748

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

There was a couple hour lag where the price dropped and then the message popped

A dividend of 1.383 per share, declared on 12/13/2019, will be posted to your account on 12/16/2019. Important information about how distributions are calculated and posted to your account.
by kelvan80
Fri Dec 06, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 38124

Re: Follow Up: Husband's Surprise Debts

Your story is very similar to my parents and you've done great so far but yes you have a long road ahead of you. With your husband's credit score being lower I'm wondering if you have pulled a credit report on both of you yet? I'd be concerned that's there more debt that hasn't been paid for in orde...
by kelvan80
Fri Dec 06, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: Ski gear for toddler
Replies: 37
Views: 2159

Re: Ski gear for toddler

Ask friends on FB or the family you are going to visit if their friends have stuff you might borrow or yes check thrift stores. I just picked up a pair of adult snowbibs this week for $5
by kelvan80
Sat Nov 30, 2019 1:08 pm
Forum: Personal Investments
Topic: Wait and watch or Not?
Replies: 21
Views: 1921

Re: Wait and watch or Not?

Two years ago you asked a nearly identical question. What did you do with the advice that was offered then? Do you have an IPS? What is the purpose of this money and when will it be needed?
by kelvan80
Thu Nov 28, 2019 11:03 pm
Forum: Personal Investments
Topic: Newbie member - Portfolio Review?
Replies: 22
Views: 1565

Re: Newbie member - Portfolio Review?

You might get better feedback if you give the percentage for each of your accounts and possibly even broken down within the account. Welcome! I personally don't think of equity and stock allocation as having a relationship. I need a place to live with my family of 6 that will eventually be paid off....
by kelvan80
Sat Nov 23, 2019 11:38 pm
Forum: Personal Investments
Topic: I want to make my children millionaires.
Replies: 74
Views: 12699

Re: I want to make my children millionaires.

Also wanted to plug the Military FI group on Facebook if it's allowed We could use your enthusiasm helping other people down the path to financial independence OP.
by kelvan80
Fri Nov 22, 2019 4:24 pm
Forum: Personal Investments
Topic: I want to make my children millionaires.
Replies: 74
Views: 12699

Re: I want to make my children millionaires.

As an active duty spouse and mom of 4, I'd recommend putting as much into the TSP as you can. You're retirement and self sufficiency is the best gift you can give your children. They will either follow your lead and earn their own million or they won't and then do you really want to hand them a mill...
by kelvan80
Tue Nov 12, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Would you buy a Galaxy S9 now?
Replies: 31
Views: 2121

Re: Would you buy a Galaxy S9 now?

I have had mine 18 months or so and had no issues. I am buying out my lease to keep it.
by kelvan80
Tue Nov 12, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5597

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Our exterior garage door entry control pad uses them. You could probably also donate to schools. I think they use them for walkie talkies maybe. I know it was in our school supply list one year
by kelvan80
Sun Nov 10, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation question
Replies: 8
Views: 860

Re: Asset allocation question

What is the most amount of money you have seen your portfolio drop in a day? If your portfolio goes down by 40% will you still feel as confident. We are only a few years older than you and probably had less than $60k invested in 2008-9 and it was hard. I had to turn off absolutely all news outlets a...
by kelvan80
Sun Nov 10, 2019 12:36 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3788

Re: What’s in your TSP?

[/quote] It’s interesting to see only one person, so far, using the L Fund. As the ER is quite low, what’s the negative to the L Funds? Is it more optimal to recreate the 3 fund portfolio inside the TSP? Are there any benefits to the L fund? [/quote] We have assets outside of the TSP including two R...
by kelvan80
Sun Nov 10, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 19
Views: 1013

Re: Organization supporting Veterans - Donation

Fisher House is a great organization. Our spouse groups work with them frequently. Basically Ronald McDonald house for veterans and service members receiving medical treatment. https://www.fisherhouse.org/ Navy Marine Corps Relief Society sees quite a few veterans and widows. They help with budget c...
by kelvan80
Sat Nov 09, 2019 5:49 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3788

Re: What’s in your TSP?

We use the G fund for our bond portion with some C and S (70:30 split). My spouse and I both have Roth IRAs, one holds total stock and the other total international. I use an excel sheet to tell me if I need to rebalance, I can either transfer more into the G fund or other way around. I haven't had ...
by kelvan80
Tue Oct 15, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 9167

Re: When is private (elementary) school worth it?

If he doesn't seem upset by doing the puzzles then I'd just let him continue exploring math on his own at home with some higher level workbooks. Also my daughter learned cursive in kindergarten to keep her engaged while others were working on their letters. She would write stories with intricate pic...
by kelvan80
Sun Sep 29, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Check In Before Baby
Replies: 15
Views: 1763

Re: Financial Check In Before Baby

Why $250k life insurance on your spouse when your income is fairly equal? What does your budget look like without her income?
by kelvan80
Tue Sep 24, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10651

Re: Physical activity suggestions for a non athletic youth

Do you guys play pokemon go? You could get the whole family involved. Or biking but not on a mountain top?
by kelvan80
Thu Sep 19, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend an affordable TV stand wide enough for a 65" TV?
Replies: 28
Views: 1757

Re: Can anyone recommend an affordable TV stand wide enough for a 65" TV?

Check World Market we've always been impressed with how well most of their stuff has held up and we are a military family that moves alot.
by kelvan80
Sun Sep 15, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance vs Permanent Life
Replies: 26
Views: 1837

Re: Term Life Insurance vs Permanent Life

We just had a second set of kiddos ten years apart and wish we had gone with the 30 year term 13 years ago. Now neither of us qualify for the premium rates. We should be self insured by then but looking back it would have been easier. I don't understand. The premiums you saved and invested in say a...
by kelvan80
Thu Sep 12, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance vs Permanent Life
Replies: 26
Views: 1837

Re: Term Life Insurance vs Permanent Life

We just had a second set of kiddos ten years apart and wish we had gone with the 30 year term 13 years ago. Now neither of us qualify for the premium rates. We should be self insured by then but looking back it would have been easier.