Search found 107 matches

by kelvan80
Tue Jun 11, 2019 6:49 am
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2431

Re: Pre-Military Seeking Investment Planning

Where are these people that despise shore duty? My husband has been on shore duty 4 of 16 years, but 2 of those he was an inspector at SEA so still gone for tti five months a year. Look hard at what a LT makes with 4 years of service vs where you would be enlisted. You would very quickly make up any...
by kelvan80
Tue Jun 11, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 59
Views: 9901

Re: Cleaning up new house before move in—getting rid of “cat smell”

We replaced the carpet in our last two purchases due to cats and dogs. It seems the smell would never leave and would reappear during humid days and months after carpet cleaning. My husband has issues with dust anyhow so new carpets help that. Our MBR had hardwood engineered floors otherwise we woul...
by kelvan80
Mon Jun 03, 2019 7:04 am
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2431

Re: Pre-Military Seeking Investment Planning

Some little known facts. When deployed in a combat zone you can contribute to a govt savings account that pays 10% tax free. Up to 10K. I did it three times in my career. Your TSP contribution can be up to 53K in a combat zone. Yes this is the Savings Deposit Program. If you can, take the Million D...
by kelvan80
Thu May 09, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2415

Re: Outdoor Jacuzzi - Cost vs Value?

We had a Vanguard Hot Springs spa for about five years and sold it with the last house after moving it once locally. We absolutely loved it especially after a run or workout. It was also our date night and vacation for awhile since my spouse's job doesn't allow for many vacas. Thinking about purchas...
by kelvan80
Fri Apr 26, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Intro and Personal Finance Advice
Replies: 55
Views: 5196

Re: Intro and Personal Finance Advice

How many months of your snowball to just pay off your current car? Did you guys keep the gym membership?
by kelvan80
Wed Apr 10, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Roth IRA Mixup
Replies: 6
Views: 478

Re: 2018 Roth IRA Mixup

Has it been more than 60 days since you pulled out your contributions?
by kelvan80
Mon Apr 01, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate question: lower the asking price or spend to repair
Replies: 26
Views: 1358

Re: Real Estate question: lower the asking price or spend to repair

How did you find your realtor? What was the feedback on the four showings? How did you set the price?
by kelvan80
Fri Mar 01, 2019 5:54 pm
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 102
Views: 7438

Re: What did wise people do with their investments in 2008

We didn't sell but we didn't rebalance like we could have either. All investments were automatic so lots of dollar cost averaging going on.
by kelvan80
Mon Feb 11, 2019 3:39 pm
Forum: Personal Investments
Topic: Decrease savings on tsp or roth?
Replies: 8
Views: 563

Re: Decrease savings on tsp or roth?

I don't think you look behind according to those numbers. Understand that if you do stop saving in the TSP his taxable income is likely to go up if it's traditional contributions. I guess it would depend on what your retirement expenses look like especially if you could retire to a lower COL area or...
by kelvan80
Mon Feb 11, 2019 10:00 am
Forum: Personal Investments
Topic: Decrease savings on tsp or roth?
Replies: 8
Views: 563

Re: Decrease savings on tsp or roth?

From previous posts it looks like you were late starters and you asked a similar question in April of last year. Were you able to continue contributing between April and now. You have the opportunity to fill Roths until April for the previous year. Will you get a tax refund that could help fill a Ro...
by kelvan80
Sun Jan 27, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for it?
Replies: 103
Views: 6590

Re: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for

We were in a fairly aggressive target date fund with fidelity when the bottom dropped out of the market. We didn't have a ton invested maybe $50k at the time but it felt like alot to us. I knew enough thanks to this site that we absolutely couldn't sell low. We did continue to invest automatically a...
by kelvan80
Mon Jan 21, 2019 2:36 pm
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1244

Re: Military Paying down Mortgage Early

Hi there. We started with DR too when my spouse was only 5 years into his career. Ten years of paying attention to our money, investing according to boglehead principles and living debt free has set us up for early retirement. We've purchased multiple times but have always been able to max out TSP a...
by kelvan80
Fri Jan 11, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10246

Re: Who's flying?

Flew on Monday out of STL and there was no noticeable difference.
by kelvan80
Sat Jan 05, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 23742

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Completely unrelated but when you are with your kids on the weekend you aren't watching them you are parenting. Agree with the DR advice. Powerpay.org is a great resource. If you are getting a tax refund bill kill lower balance cards. Please don't cash out your Roth.
by kelvan80
Thu Dec 20, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2090

Re: Driving from MA to FL - recommendations?

I'd download the Waze app just in case if insane amounts of traffic. It could save you hours of headache.
by kelvan80
Mon Dec 17, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5681

Re: Gift Ideas for wife

Penzeys Spices?
by kelvan80
Thu Dec 06, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2270

Re: California 8 days road trip LA-SFO

We lived in monterey for two years with kids so I'll have to heartily disagree. I would consider spending two nights there and look up the previous threads of what to do. Check out Carmel river valley beach, denis the menace park, Point Lobos, obviously cannery row, aquarium, the wharf, the seals, G...
by kelvan80
Wed Dec 05, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 9032

Re: Is this normal for an HOA?

One of the reasons our HOA requires this information has to do with the age at which our children are able to utilize the pool, workout room without a parent present and operate a golf cart within the HOA. Would that be applicable to your situation?
by kelvan80
Mon Nov 19, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Need a financial check up
Replies: 10
Views: 1266

Re: Need a financial check up

I personally would max all retirement options especially Roth IRA for her before college savings.
by kelvan80
Mon Nov 12, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1412

Re: Running in the cold rain

Under armour has cold gear and heat gear. In Virginia we definitely used them both.
by kelvan80
Wed Nov 07, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8482

Re: 1/3 of Baby Boomers have no retirement savings...

This is the unfortunate reality for my parents. Always entrepreneurs, always behind on taxes, can't manage fluctuating income so end up in debt, windfalls clear the debt and the cycle continues. I think they invented YOLO and have $6500 in retirement accounts. It definitely sparked a change in mysel...
by kelvan80
Wed Oct 24, 2018 9:00 am
Forum: Personal Investments
Topic: Another TSP Lifecycle Question
Replies: 9
Views: 666

Re: Another TSP Lifecycle Question

We're using the G fund and S and C because our roths hold international and total. Do you have any other investments?
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: 1345

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: 110
Views: 13313

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: 5518

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: 1657

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: 1565

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: 1565

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: 182

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: 3608

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: 489

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: 1826

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: 26543

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: 5306

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: 2018

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: 2018

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: 3642

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: 1310

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: 1310

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: 5675

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: 2854

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: Personal Investments
Topic: VTSAX minimum vs IRA maximum
Replies: 9
Views: 891

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: 7060

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: Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 4258

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: Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 4258

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: 5892

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: 2431

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: 4155

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.