Search found 280 matches

by UncleBen
Thu Sep 13, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2487

Re: Anyone into Essential Oils?

DoTerra and Young Liviing are the 2 big MLM companies that sell "the best" and expensive oils. There are many companies that sell high (and sometimes higher) quality oils for much better prices. Very affordable are Eden's Garden and Plant Therapy. Reasonable and highly regarded companies are Rocky M...
by UncleBen
Tue Sep 04, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4329

Re: NASA FCU- 15 month CD 3.25%

Thanks Protagonist! I'm at my limit there but spouse is not.
by UncleBen
Fri Aug 31, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9714

Re: How do you save money on groceries?

As a 2 person family, part time vegetarians, Marylander who spends $4200/year on groceries including paper goods and cleaning supplies perhaps a few of my tactics would help. 1. Let the sale flyers drive your menu vs. letting your menu drive your shopping list. 2. Pick your stores and shopping strat...
by UncleBen
Wed Aug 22, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Sticky melting Toyota and Lexus dashboards '08-'11 era
Replies: 2
Views: 412

Sticky melting Toyota and Lexus dashboards '08-'11 era

I know there are a few BH Toyota and Lexus fans. If you have an older model with a sticky/melting dashboard you may be covered for a free replacement. Although older vehicles apparently had the issue they told me the extended warranty is only good for 10 years so I'm guessing those with '03-'07's ar...
by UncleBen
Tue Aug 21, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Giving away donation receipts
Replies: 22
Views: 1587

Re: Giving away donation receipts

IMO, yes it is wrong. The donations do not belong to the family member.
by UncleBen
Mon Aug 13, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 6474

Re: how much car can we afford?

Of course you can afford a $40k car. +1 OP - How is it that you make $300K/yr, have $650K in non-retirement savings, and somehow not know whether you can afford a $40K vehicle? You clearly should know the answer to this question. Of course you can. This. May I ask why you asked the question?
by UncleBen
Mon Aug 13, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: Liability only car insurance and my car destroyed
Replies: 15
Views: 2746

Re: Liability only car insurance and my car destroyed

Good news, the insurer pays to replace the car. Bad news, you are self insured. (Unless there are circumstances that allow compensation from some other party's insurance.)

Hope you are asking for educational purposes. If not, hope you and any passengers are OK.
by UncleBen
Sat Aug 11, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6745

Re: "Dollar Tree Store" favorites

.....Week old Sunday newspapers if needed for coupons please explain how your local Dollar Tree store is able to give away old Sunday newspapers (or ANY newspaper for that matter) :?: :?: :?: :?: Who said they give them away? They are, wait for it ---------------------------------------------------...
by UncleBen
Thu Aug 09, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6745

Re: "Dollar Tree Store" favorites

Gift bags. Totally Awesome LA stain remover Comet Klar and Danver liquid hand soap - $6-$7/Amazon Helium balloons Week old Sunday newspapers if needed for coupons Foil sheets Heavy Duty L ziplock storage bags with handles for craft projects/travel Plastic baskets for closet organization Stemless win...
by UncleBen
Mon Jul 30, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Need Help with Mom’s Retirement Income
Replies: 34
Views: 3831

Re: Need Help with Mom’s Retirement Income

When we converted her account is when we realized that she never had a Roth IRA account. :oops: Is it too late now? You cannot contribute to a ROTH IRA if you don't have earned income unless you are married to a spouse that has earned income. [...] 2. Her current tax bracket is 12%. Would it make s...
by UncleBen
Mon Jul 30, 2018 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Need Help with Mom’s Retirement Income
Replies: 34
Views: 3831

Re: Need Help with Mom’s Retirement Income

We are seeking guidance for my mom’s retirement and we thank you in advance! We have read the Getting Started and Laura’s Investment planning overview wiki pages. We feel overwhelmed and intimated with all the information; would it be possible to get some help? Mom is retired. 70 years old. RMD sta...
by UncleBen
Sat Jul 28, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Loss Aversion, Happiness, and choices
Replies: 17
Views: 1894

Re: Loss Aversion, Happiness, and choices

What you paid + renovations is not relevant. Your house is worth the market value at the time you list it. We always honestly evaluate the true value based on assessment and area comps, then list it a few thousand under. Our houses have always sold in under 1 week, with multiple offers, at listing p...
by UncleBen
Fri Jul 06, 2018 3:43 am
Forum: Investing - Help with Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 3068

Re: Can you help me figure out how much emergency fund $ I REALLY need?

Losing your job isn't the only "emergency" your emergency fund would cover. I've seen young, healthy people in various sorts of health crises out of work for a year or more with their significant other working unpaid as their caregiver the whole time. Three months of expenses would be the minimum IM...
by UncleBen
Fri Jun 08, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 1056

Re: To remove coffee tea stain from mug, use QxyClean

I use plain old bleach too. And you can transform marked up stoneware plates a bowls with a little scrub of Barkeeper's Friend. One of life's little pleasures - making something look new again ;-).
by UncleBen
Wed Jun 06, 2018 4:35 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 54162

Re: How much money do you want to retire?

How much money do you want to retire?
We don't want any of our money to retire, we want it to keep working so we don't have to :wink: .
by UncleBen
Thu May 31, 2018 4:55 am
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4254

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

Yes, you can expect 15% returns for the next 16 years. But be prepare to be disappointed.
by UncleBen
Tue May 22, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2754

Re: Time For New Car?

I'm with others who are surprised at the amount of repairs you've had to do. In comparison our slightly older '05 Camry with a few more miles (125k) has had the following repairs: Replaced disintegrating rear speaker grill covers I think it they were under $40. The exterior paint looks fine and the ...
by UncleBen
Fri May 11, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 1941

Re: When to replace a car windshield

$200 well spent!
by UncleBen
Wed May 09, 2018 5:28 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: 1860

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

1. Payoff CC's #1, #2, #6 today. 2. Leave the remaining $1400 in your emergency fund. 3. Set your retirement withholdings to the minimum to get your 5% match. Forget about any other retirement savings for the next 2 years. Paying off the CC's is your #1 priority. Your goal should be to payoff the CC...
by UncleBen
Sun May 06, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25054

Re: most compelling TV character ever

Compelling? Anthony Fremont, Twilight, episode It's a Good Life.
by UncleBen
Sat May 05, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $200k portion of portfolio when needed to be used as noted below
Replies: 17
Views: 1926

Re: Where to park $200k portion of portfolio when needed to be used as noted below

It's interesting how many are suggesting a CD ladder. I'm not seeing that OP gains much with such a short ladder. His $233k will be depleted around the end of 3 years. It seems like his window for a ladder would be between the 14 months and maybe 30. Perhaps someone could give an example.
by UncleBen
Sat May 05, 2018 3:45 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $200k portion of portfolio when needed to be used as noted below
Replies: 17
Views: 1926

Re: Where to park $200k portion of portfolio when needed to be used as noted below

I'm all for simple. You are already established at Vanguard so I'd put the $91k that you need over the next 14 months into Vanguard Prime (VMMXX - 1.83%) and the remaining $142k ($233k-$91k) in the 14 month Synchrony CD @2.35%.
by UncleBen
Sat Apr 21, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3790

Re: Total Cost of Car Ownership over 10 years

Trying to figure this out and how much to budget for a car annually in a car fund: Assuming buying a Toyota Camry LE for 10 years driving 15k miles per year: $22,500 purchase price $13,500 gas $10,000 insurance for 10 years $2,000 license/registration $2,000 Other major maintenance / Car washes $1,...
by UncleBen
Wed Apr 18, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 6122

Re: I want to pay off my mortgage. Am I crazy?

For us it was not a financial decision. There is nothing like owing nothing to anyone. The Bible says the borrower is slave to the lender. No debt = freedom.
by UncleBen
Mon Apr 09, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 11708

Re: Cash flow problems - best way to handle?

Change your withholdings to get the extra $500-ish/month in your paycheck. Be sure to double check your 2018 liability under the new tax law. What you and your spouse purchased together is now a home that costs 53% of your take home. It's very common for the custodial parent to try to maintain the s...
by UncleBen
Mon Mar 19, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11817

Re: Terminal illness with small kids

I'm not sure if this is applicable in your relative's situation but many chemos, including maintenance chemos in stage 4 cause peripheral neuropathy. (This is not medical advice ;-)). If her hospital does not offer free massages, a massage gift card could be welcomed. Whole body massages are not som...
by UncleBen
Mon Mar 19, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11817

Re: Terminal illness with small kids

This is an organization that offers cleaning help for free. http://cleaningforareason.org/ Depending on the children's ages and mom's current health condition, the family might put together a gift of a "dream" vacation to Disney World or even something less taxing like a local attraction. Perhaps a ...
by UncleBen
Tue Mar 13, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 9702

Re: Would YOU retire

You seem to be in excellent financial shape to retire early. I will share some observations about medical expenses having seen my parent through heart surgery, arthritis, diabetes, dialysis, and long term care. The cost of dialysis makes long term care and heart surgery look like a trip to Starbucks...
by UncleBen
Tue Mar 13, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Being Overcharged After Seeing a Dentist
Replies: 2
Views: 746

Re: Being Overcharged After Seeing a Dentist

This is a fairly common occurrence in my experience. Just like restaurants, medical providers have a "front of the house" and a "back of the house" operation. The best food served poorly is not a pleasant dining experience. And likewise we have left quite a few dentists and doctors that we liked due...
by UncleBen
Wed Jan 17, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Wife Missed RMD for Tax Year 2017, Husband Deceased in 2017
Replies: 8
Views: 967

Re: Wife Missed RMD for Tax Year 2017, Husband Deceased in 2017

The same thing happened to my parents. We took the RMD immediately when discovered, requested the waiver and also never heard another word from the IRS.
by UncleBen
Fri Jan 05, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Hypothetical question: Will a man who lives forever own the world?
Replies: 23
Views: 2050

Re: Hypothetical question: Will a man who lives forever own the world?

He would be very wealthy but presumably not everything is for sale inside or outside of stock markets (and hostile takeovers).
by UncleBen
Sat Dec 30, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 9266

Re: Individual Stocks That Went Bust

People's Express
by UncleBen
Thu Dec 28, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 26421

Re: TurboTax Prices

I paid $54.99 on Amazon for Turbo Premier disc today w/state and efile. Free shipping even without Prime. (5% off with your Amazon card)
by UncleBen
Sat Dec 23, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: NavyFed IRA CDs: 32-months 2.75% APY
Replies: 24
Views: 2591

Re: NavyFed IRA CDs: 32-months 2.75% API

I think it's a pretty good deal. It's for IRA/ESA only, $50 minimum $250k max, $100 bonus if it's your first CD w/NFCU. I do think people might be hesitant to go with 32 months thinking that rates will be rising. They also have a 15 month, 2.25% CD, $50 minimum $50k max not limited to retirement acc...
by UncleBen
Sat Dec 23, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 2568

Re: Bounty or Kirkland brand

We switched to microfiber towels and only use 1, maybe 2 rolls of paper towels/year for chicken or really messy stuff. With 30-40 microfiber towels, I just put them in a basket until there is a load to do in the wash. Bounty for the few we do use.
by UncleBen
Thu Dec 21, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63347

Re: Tax Bill Omnibus Thread

CP: I believe that if you are funding with cash, then the account may be set up immediately, with no fears of delay. It took me maybe 30 minutes to walk through the "paperwork" online. However, you may want to call them at 888-383-4483 to make sure I am right! Thanks Paul. After researching DAFs, l...
by UncleBen
Thu Dec 21, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63347

Re: Tax Bill Omnibus Thread

The wife and I are trying to figure out the best way to handle our charitable donations given this tax reform. We have 10,000 mortgage interest (slightly declining each year). We will hit the $10,000 cap for SALT. We want to donate $10,000 to charities which should we do? 1. Donate 30,000 to a Dono...
by UncleBen
Tue Dec 19, 2017 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Reposession - worth it?
Replies: 17
Views: 2397

Re: Reposession - worth it?

Absolutely don't let it get repossessed. If you want to get rid of try to get a personal loan for the difference of private party sales price and sell it yourself. +3 but before you try to get a personal loan: How much are you upside down? (I'm always amazed at the prices for used trucks.) Do you h...
by UncleBen
Mon Dec 18, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7857

Re: Can I afford it: Dodge Challenger

Dave Ramsey says you can afford it if it is less than 50% of your salary AND you can pay cash. Yes, NO. Suze says you can afford it if you have an 8 month emergency fund and you finance it for 3 years or less. ?NO $34,900 @ 2.8% for 3 years = $1,011.86/month! $30k = $869.79/month Do you want a car p...
by UncleBen
Sat Dec 16, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stop Contributing to 401(k)??
Replies: 39
Views: 4936

Re: Stop Contributing to 401(k)??

What are your marginal state and federal tax rates now?
What do you think they will be in retirement?
by UncleBen
Sat Dec 16, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10990

Re: How much do you spend on food per month, per person?

$175pp/month includes everything from the grocery store. Plant based diet except for dairy for spouse.
$100pp/month eating out. Not so much plant based then.
by UncleBen
Fri Dec 15, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 2954

Re: Lexus RX 350 - new vs. preowned

I've been looking at 2015's partially because of the ugly grill introduced in '16 but more so because of the dash design with the info screen sticking up right in the middle of everything. In our market the '15's seemed to have taken a decent depreciation hit, with gradual price declines in the '13'...
by UncleBen
Tue Dec 12, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28112

Re: What to do after losing $117k in stock market?

Invest minimum to obtain any 401k matching and attack the student loans with a vengenge with every extra dollar. Make it a game to see how fast you can do it to add some excitement.
by UncleBen
Mon Dec 11, 2017 4:10 am
Forum: Investing - Help with Personal Investments
Topic: What to do when emergency fund runs out? (IPS)
Replies: 8
Views: 1261

Re: What to do when emergency fund runs out? (IPS)

Interesting question. We've never even dipped into the emergency fund in decades. But our unwritten plan would be:

Spend less.
Work more.
Sell stuff.
If those fail to replenish EF, sell over-weighted asset.
by UncleBen
Sat Dec 09, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 5415

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

Farm credit bureaus will often loan on farms that banks won't touch.
by UncleBen
Sat Dec 09, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 4623

Re: Please suggest a dry hands product

Aquafor, Vaseline, and Bag Balm are all petroleum based. They work if you want to slather petroleum on your body. I like Udder Cream. It's one of very few products that still have lanolin which also works but some people are allergic. It can be found at most drugstores, Walmart, and sometimes small ...
by UncleBen
Thu Dec 07, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 7009

Re: What do Bogleheads say when they don't want to spend money?

I can't thoil it. thoil Verb (third-person singular simple present thoils, present participle thoiling, simple past and past participle thoiled) (Yorkshire) To be able to justify the expense of a purchase. I loved those red shoes but i couldn't thoil it in addition to the new dress I'd bought. Read ...
by UncleBen
Wed Dec 06, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 1196

Re: Voya 401k or Not! Not enough in 401ks?

I would say contribute to get the 3% (no brainer).
Anything else = optional.
by UncleBen
Wed Dec 06, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 1196

Re: Voya 401k or Not! Not enough in 401ks?

Is your question whether or not to contribute to your wife's 401k?
Is there a match?
What are your marginal federal and state tax brackets?
What will your marginal brackets be when DW retires in a few years?