Search found 84 matches

by kelvan80
Tue Oct 16, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help me fix my life insurance situation...
Replies: 12
Views: 1228

Re: Help me fix my life insurance situation...

Did you select SBP for your spouse?
by kelvan80
Sat Oct 13, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5369

Re: Weigh in on our Marital Argument =)-- HCOL edition

Can you go to a hotel when they come or an air b n b?
by kelvan80
Wed Oct 10, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5123

Re: Pls help us design our family life!!!

Have you run a budget based on his income alone and your part time income? If you have more kids and you are trying to be part time with daycare expenses can you fund the things that you desire?
by kelvan80
Thu Oct 04, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Anyone tried basil tea?
Replies: 24
Views: 1449

Re: Anyone tried basil tea?

I'm also not understanding of this limit. Pesto goes on my pasta, sandwiches, toast, crackers, pizza.
by kelvan80
Wed Oct 03, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1449

Re: Accepting a Contingency Offer

Can't the buyers agent see what the contingency is on the MLS listing?
by kelvan80
Wed Oct 03, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1449

Re: Accepting a Contingency Offer

You can accept but you just keep showing the house as if you don't have the first offer. Then if you get a second offer you give the first offer 24 hours to remove the contingency if they can. Sometimes people can qualify without selling their home, they just don't want to.
by kelvan80
Wed Oct 03, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Converting minor bonds
Replies: 1
Views: 146

Converting minor bonds

I only saw one topic after searching about converting minor bonds. I already have my own TD account with minor linked accounts for my children but I was hoping to convert all of their paper bonds over. Some of the paper bonds have an OR owner while others are POD to either me or my husband. Will I r...
by kelvan80
Thu Sep 27, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3455

Re: Good flip flops

I love my reefs. My last pair lasted three summers of me wearing them almost exclusively. Then I accidentally left them out in the rain for a couple consecutive nights and they got water logged. So I replaced then with the exact same pair off of ebay, brand new. My kids love reefs too. Also a fan of...
by kelvan80
Tue Sep 25, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Use IRA to pay off part of college loans?
Replies: 7
Views: 462

Re: Use IRA to pay off part of college loans?

I'd definitely put the tax refund on the debt but the only way I would liquidate your retirement savings would be to save you from foreclosure yourself. Keep plugging away. Can he use SoFi to refinance them?
by kelvan80
Sun Sep 23, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: vacation in the Ozarks
Replies: 15
Views: 1740

Re: vacation in the Ozarks

There's a fairly easy hike with beautiful springs at Ha Ha Tonka State Park. If you have nice weather it could be fun to rent a boat if you know how to drive or take a tour on the Celebration. http://cruiselakeoftheozarks.com/ October is also a great time to play golf and hit up Spa Shiki for the da...
by kelvan80
Wed Sep 19, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25235

Re: What is your single most expensive mistake?

As a negative ROI. Parking meter in California for swim lessons. I could have put another quarter in but didn't. Cost me $80 when someone stopped to talk to me on the way out of the building.
by kelvan80
Sat Sep 15, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5167

Re: The twenty dollar rule revisited

Your last thread about this got locked. What does your wife think about the $20 rule? Are you guys heavily in debt or just trying to see where your money is going? Why not just set an agreed upon budget?
by kelvan80
Wed Sep 12, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1962

Re: 1 year old birthday

Do a cupcake, invite closest friends, snap a few pictures. It doesn't have to be a grand affair like the people on pinterest and ig make it out to be.
by kelvan80
Wed Sep 12, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1962

Re: 1 year old birthday

Any parks close by with pavilions?
by kelvan80
Tue Sep 04, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3498

Re: Sell our new home to downsize

Have you tried to run the numbers on the reduced hours? Do you expect to get raises?
by kelvan80
Thu Aug 23, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Recasting Mortgage Options
Replies: 8
Views: 1214

Re: Recasting Mortgage Options

I'm conservative. After maxing out the TSP and two Roths we pay down the mortgage. I think your answers are going to depend on your risk tolerance. Are you on a 15 or 30 year mortgage? If it's tight on a 30 could you pay it down enough to refinance to a 15 for some forced savings?
by kelvan80
Thu Aug 23, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recasting Mortgage Options
Replies: 8
Views: 1214

Re: Recasting Mortgage Options

You need to check with your lender to see what they charge to recast. I think it's in the neighborhood of $500 each time I've checked. We've just opted to pay down the mortgage instead and keep the old payment since we could afford it.
by kelvan80
Thu Aug 23, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5418

Re: Test your cognitive biases

I got 50 to 75% while nursing a baby. I was actually pretty proud since I'm asleep deprived from the last four years at least.
by kelvan80
Mon Aug 20, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 45
Views: 2696

Re: Military career/college options (engineering - nukes?)

Out of the 1st 5 years he will be attached to a ship for approximately 4 years but the other one year in schools. Looking at possibly four movies during that time period plus training up in Newport for OCS. It is extremely rigorous but also the opportunity to travel the world but some seriously long...
by kelvan80
Mon Aug 20, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX minimum vs IRA maximum
Replies: 9
Views: 630

Re: VTSAX minimum vs IRA maximum

Usually once you hit the minimum amount needed for admiral shares, it will automatically convert for you. At least with Fidelity index funds, that was how it worked for us.
by kelvan80
Mon Aug 06, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6798

Re: "Dollar Tree Store" favorites

Gnocchi
Honey pretzel twists
Greeting cards
PTA gifts for different events
Campbell's soup 30% more cans
Beer bread mixes
Day old bread that at the regular store costs $4
Toilet bowl cleaner
by kelvan80
Tue Jun 19, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3828

Re: Value of a Military Retirement

mxs wrote:
Tue Jun 19, 2018 3:26 pm
KYDoc wrote:
Tue Jun 19, 2018 1:10 am
depending on if and when I get promoted to O-6.
O-6 is insanely hard to achieve in certain branches/areas/career fields. If you make that in 20 years, that will be fairly impressive.
I believe doctors start at O3 or O4 so it's not as difficult.
by kelvan80
Tue Jun 19, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3828

Re: Value of a Military Retirement

TravelforFun wrote:
Tue Jun 19, 2018 12:57 pm
How much less in pension you would get if you got out of the military 10 years early?

TravelforFun
Zero. Have to do 20 years to get pension. The new system does match up to 5% though so you take something with you.
by kelvan80
Mon Jun 11, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5623

Re: How do you celebrate (potty trained kid) milestone with your spouse?

oneleaf wrote:
Mon Jun 11, 2018 10:07 pm
Everytime your kid uses the toilet is a celebration enough.
This!! Our little guy #3 trained in March and I still get excited I'm not changing those diapers anymore. $20 more in my budget every month is present enough.
by kelvan80
Fri Jun 01, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 2278

Re: Driving UHaul

I would look into ABF at the link above. You pay by the linear foot. Three days to load. They drive it for you. Well worth it.
by kelvan80
Thu May 31, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3940

Re: Sherwin Williams paint

We just did out whole house SW Repose Gray. It's gorgeous! You can tell Home depot exactly what you want, they have all the formulas, and get it in any type of paint.
by kelvan80
Tue May 22, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6119

Re: Florida Living

I was going to say St. John's county as well. We just moved here in December and love the location, schools, proximity to water. Good high schools are Bartram Trail High School and Nease High School although there are programs that the kids can apply to for more specific fields of study.
by kelvan80
Mon May 21, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4330

Re: Buy this home?

Any kids in the future? Can you still handle the mortgage on one salary should one of you choose to stay home? 15 or 30 year?
by kelvan80
Sat May 12, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5266

Re: How to think about schools/homes (Greatschools/Niche)

Haven't read the replies yet but I'd actually talk to parents from each school. We've been in a 9 school before and actually had the worst experience ever.
by kelvan80
Thu May 10, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 2197

Re: Reccommended Minivans

We also have a town and country purchased used in 2015. Hoping to get at least seven more years out if it and by then can go back to not needing a van. I love the store and go options that I can do without the help of DH. By buying used we got every bell and whistle, two DVD players and two screens,...
by kelvan80
Tue May 08, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2987

Re: Happy 89th birthday to Bogle

Happy birthday Mr. Bogle. Thank you so much! You changed our lives. :-)
by kelvan80
Thu May 03, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1904

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

Absolutely invest in the TSP to get the match at 5% but then eliminate those CC. Check out powerpay.org to help keep you on track. Hang out with people who manage money well. Watch expenses like cell phone, cable, internet. Post a budget it spending plan.
by kelvan80
Thu Apr 26, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Verbally accepted offer on house I am selling in FL- using flat fee broker. Now what?
Replies: 10
Views: 1586

Re: Verbally accepted offer on house I am selling in FL- using flat fee broker. Now what?

You usually use a real estate attorney or a title company not both as a seller. Escrow is location dependent. We just did 1% and we are in Florida. Is your buyer having inspections done? Never sold a house before I'd check out a book or start reading alot.
by kelvan80
Thu Apr 26, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 7104

Re: Who benefits from "best and final offer" on condo?

We were the seller in your situation in October. We just wanted to move on so we asked for best and final. Also keep in mind the property needs to appraise so while a bidding war seems ideal it still needs to appraise. The second offer did give us full price that we accepted as a backup offer if you...
by kelvan80
Wed Apr 18, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Use Large Tax Refund for HELOC or 529?
Replies: 21
Views: 1440

Re: Use Large Tax Refund for HELOC or 529?

You could also pay off the car loan since it almost pays it off and use the extra monthly payment to pay down the HELOC. At 50 I would want to start getting rid of all debt. You guys have quite a bit in savings but have quite a bit of debt. It's actually even at this point? Either way, you'll be mak...
by kelvan80
Tue Apr 17, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early. Do you think it is possible?
Replies: 33
Views: 3642

Re: Retire early. Do you think it is possible?

$2000 a month expenses is impressive if you can swing it. Keeping in mind you'll need cash saved for car replacement, medical and household repairs/appliance replacement. What is the allocation of your 401k? Will you invest the $300k cash as part of the allocation? As far as medical, wouldn't your i...
by kelvan80
Tue Apr 17, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early. Do you think it is possible?
Replies: 33
Views: 3642

Re: Retire early. Do you think it is possible?

Do you have an estimate of what your monthly expenses would be in retirement? It would be entirely dependent on what you need to withdraw for your expenses.
by kelvan80
Tue Apr 17, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1435

Re: Portfolio review - doing the 3-funds with a tilt

Here's another way which may or may not work for you. We hold G, C, and S (4:1 ratio for C:S) in TSP, International index in my Roth and Domestic Index in his Roth. If our stock bond ratio ever gets out of whack I can rebalance in TSP. But it's only happened once in the last two years even with all ...
by kelvan80
Mon Apr 16, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation
Replies: 14
Views: 1707

Re: TSP Allocation

We utilize the G fund for the bond portion of the TSP to free up our Roth IRAs for domestic and international stock indexes and allow for rebalancing if needed. You mentioned maxing out a Roth IRA but didn't say what you are investing in there. I'm guessing no bonds?
by kelvan80
Mon Apr 09, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 11913

Re: Cash flow problems - best way to handle?

Can you drop cable, allowances, Netflix, and eating out for the summer? If you do this combined with adjusting your allowances you may be able to make it without taking on new debt. I also recommend looking for a high school age sitter looking to take on your kids in your home. I think it would be c...
by kelvan80
Sun Apr 01, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Hand and bath towels- keep them or toss
Replies: 14
Views: 2286

Re: Hand and bath towels- keep them or toss

Ask around for recommendations for a women's shelter in your area. Or transition housing.
by kelvan80
Thu Mar 22, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 18756

Re: Bought house six months ago - now feeling like we're treading water and can't save money

Groceries should be for three people if your wife is still breastfeeding. I can't imagine eating at home for $180/month and I'm super frugal. believe you should keep the tithe. We've never regretted it.
by kelvan80
Tue Oct 24, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: So I bought/im thinking
Replies: 69
Views: 6008

Re: So I bought/im thinking

Does your username stand for new kids on the block?
by kelvan80
Sun Aug 13, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2787

Re: 6K credit line too low.

If you are active duty and deploy, USAA offers 0% interest during the deployment and for awhile after. All Bogleheads pay their CC bills in full each month, so this doesn't really matter... While I'd normally agree with you, active duty sometime find themselves in situations where they have to fron...
by kelvan80
Thu Jul 20, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2787

Re: 6K credit line too low.

If you are active duty and deploy, USAA offers 0% interest during the deployment and for awhile after.
by kelvan80
Wed Jul 19, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 4504

Re: Indoor activities for a 3-year-old

Building anything with legos, basketball hoop little tikes, magnetix, baking (he loves to add ingredients to my bowl), water table for outside, bubbles, chalk
by kelvan80
Fri Jul 14, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Considering a TSP loan to pay off student loans
Replies: 36
Views: 3557

Re: Considering a TSP loan to pay off student loans

How is she with numbers? If you show her how much interest this loan is costing her every month, would that help motivate her to keep a job possibly even work an extra job to get it paid off quicker? As 16 years as a Navy spouse, I would want to see her tackle this on her own at least for the first ...