Search found 505 matches

by clutchied
Wed May 23, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 947
Views: 73839

Re: To take or not to take delivery of Tesla 3

As a proud BMW i3 owner I'll point out that BMW has sold 100,000 i3s as of 2017. :D I would rather expect that the i3 sales will drop off as the 3 ramps up more. The 3 will likely offer so much more per $. I3 sales data: http://carsalesbase.com/us-car-sales-data/bmw/bmw-i3/ 3 sales data: http://car...
by clutchied
Wed May 23, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 947
Views: 73839

Re: To take or not to take delivery of Tesla 3

As a proud BMW i3 owner I'll point out that BMW has sold 100,000 i3s as of 2017. :D I would rather expect that the i3 sales will drop off as the 3 ramps up more. The 3 will likely offer so much more per $. I3 sales data: http://carsalesbase.com/us-car-sales-data/bmw/bmw-i3/ 3 sales data: http://car...
by clutchied
Mon May 07, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Anyone from Dayton,OH area-?'s
Replies: 21
Views: 1306

Re: Anyone from Dayton,OH area-?'s

Hi,My daughter just was hired for a job in Dayton OH.She currently lives in a climate requiring snow tires for her Elantra. Will she need them in Dayton?Any recommends on areas to live . She will be working at Wright-Patterson.Any advice for the area greatly appreciated. Asking for her as she is cu...
by clutchied
Tue Apr 24, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7502

Re: Do you buy new or used cars?

as I became more financially secure I've become much more comfortable with used cars.

The other issue too is that cars from when I was younger are getting older now and since I kinda grew up with them I find them to be a comfortable "risk".


I love used cars right now.
by clutchied
Tue Apr 24, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6301

Re: Structuring Newlywed Finances for Fairness and Less Arguments

Hi all- recently married. Wife and I need to sit down and figure out how to structure our shared finances now as a combined unit. Open to ideas from everyone's experience here. Wife and I are in the same line of work but I work more/longer to manage rental properties that I've had before we got mar...
by clutchied
Thu Apr 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4490

Re: Another discussion about private vs public schools?

growing up in the Midwest I always found it fascinating how great the schools were/are. It's like a talent reactor for the rest of the country. Over the last 20 years I can't help but notice that the jobs are going to places with poorer schools. People move into enclaves of good schools and the rest...
by clutchied
Thu Apr 19, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Buy rental property out of state !
Replies: 16
Views: 1393

Re: Buy rental property out of state !

I love seeing all these new articles about cash is "just around the corner" just buy it and voila! If you're going out of state there are 2 critical pieces. It has to make financial sense and it has to make financial sense with an experienced reliable property manager. If you don't have those it won...
by clutchied
Mon Apr 16, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: If home prices decline but mortgage rates keep rising
Replies: 25
Views: 2815

Re: If home prices decline but mortgage rates keep rising

one of the things that has bothered me about low rates is you can't really do anything with them except buy. If you have a higher rate and lower principal balance you can refi if rates go down. You can't refi your principal :) in the inverse situation. I remember in 2005,6,7 being a new grad years b...
by clutchied
Mon Apr 16, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 17374

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Hi guys, I'm new to investing and would really appreciate some feedback on how I can achieve my goals with the least amount of risk possible. I'm' 37, no debt, will have about 4 million (maybe 5 to 6) to invest within the next year, and emergency cash fund of around 250k to 400k. I do not plan on w...
by clutchied
Mon Apr 16, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5823

Re: Costco gas

it's on my wife's way home so she fills up there.

our other car is electric so the filling station is our garage :)

I've been surprised how little the EV costs to drive $35/mo over 1200miles vs. about $150 worth of gas @ 22mpg.

$115 savings per month is not bad!
by clutchied
Mon Apr 16, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5814

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

that was a pretty rough article on them.
by clutchied
Mon Apr 16, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Use 25k From Brokerage Account For Investment Property?
Replies: 29
Views: 2352

Re: Use 25k From Brokerage Account For Investment Property?

that's the smallest lot size I've ever seen outside of a grave site...
by clutchied
Sat Apr 14, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3542

Re: What percentage of you 2017 income can you account for?

I just finished our taxes. We need to pay an additional 1800 which was less than 2% of our income. Does anyone produce a report of where all their money goes for a tax year? What categories do you use? I don't really use cash so all transactions run through cards of one type or another. We track th...
by clutchied
Wed Apr 11, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4111

Re: Am I being unreasonable?

It's unreasonable... The good news is that you can get the same(or better) results with just a little effort on your part! Talk to you wife and see how she feels about doing some of those things in house. I've sent my kids to private school AND i live in a great district... the cost to educate in th...
by clutchied
Wed Apr 11, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38035

Re: Name something you bought that wasn't cheap and glad you did

Beach wrote:
Tue Apr 10, 2018 3:16 pm
Zero turn mower for my 2 acre lawn. Sooooo much better and faster. (Get a commercial brand, avoid buying junk from Lowes, HD)
I second this.

48" lawn tractor 3 hours.

60" kubota beast?! 1 hour. fairly pricey but it will last a lifetime.
by clutchied
Wed Apr 11, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1612

Re: Mini Air Compressor

Would like to get a mini air compressor to use in my garage, mostly to blow out parts, filters, etc. Something powerful enough to blow out all the leaves/grass on my riding mower deck would be helpful so I don't have to crank up the leaf blower each time. Any recommendations appreciated! my favorit...
by clutchied
Wed Apr 11, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2572

Re: To HSA or HSA -- explain like I'm 5.

HSA's in general are amazing vehicles for retirement but they also are pretty neat for healthcare as well. getting a zero premium plus contributions is amazing. I use an HSA and max it yearly. It's gotten to the point where it pretty much pays for all yearly office visits with earnings. We have a he...
by clutchied
Fri Mar 30, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage with Windfall?
Replies: 57
Views: 5591

Re: Pay Off Mortgage with Windfall?

I would dump the proceeds into bonds and then use the bond coupons to pay the mortgage.

Your rate is low and tax subsidized. You can always try it out and see how you like it :)


The goal is to end up with a paid off house and still all that capital.
by clutchied
Mon Mar 26, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: What is the ROI of my rental property???
Replies: 6
Views: 828

Re: What is the ROI of my rental property???

What was the purchase price of your property? j Presumably 27.5 years x $6,502 = $178,805 or thereabouts. Bingo, you got it! We lived in this house for the first 2 years of the loan. The way I currently see it: Rent received ($17940) minus true expenses Interest/Tax/Insurance/Repairs ($6730)= $11,2...
by clutchied
Thu Mar 22, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9517

Re: I’m looking for a word...

disruption of the bystander effect.
by clutchied
Thu Mar 22, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help my wife when I die.
Replies: 37
Views: 4285

Re: Help my wife when I die.

david wrote:
Thu Mar 22, 2018 2:32 pm


Likely when you go it'll be many years after Taylor (he's like 65 years your senior) so I doubt he'll be around for being apart of the consensus.
I don't know... have you seen pictures of Taylor? That guy looks like he'll hit 120+ without breaking a sweat.
by clutchied
Wed Mar 21, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1355

Re: Outdoor Blower

I have the EGO battery powered blower (Home Depot) and really like it a lot. I already had a couple of other EGO products, so I just bought the blower without the battery. This product greatly exceeded my expectations and I find it handy for uses I never considered when I bought it. It is very quie...
by clutchied
Wed Mar 21, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: [foreign tax credit and income questions]
Replies: 14
Views: 362

Re: how does it work between foreign tax credit vs foreign income excl

the credit is for foreign taxes paid. Sometimes dividend payments will withhold a foreign tax on the transaction. You can take a credit on that. The income exclusion allows you to exclude up to around ~$90k of foreign sourced income before you have to pay US tax. You also may have to pay tax on your...
by clutchied
Mon Mar 19, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Issue -- Monthly Payment too High with VA Loan
Replies: 19
Views: 776

Re: Real Estate Issue -- Monthly Payment too High with VA Loan

A few years back we bought a home with no money down using a VA loan; it is for 30 years at 3.5% interest, and the PITI is $4500. At the time we hadn't thought through what it would look like to make that payment for years and years, but now that we've experienced it for a while it just seems too h...
by clutchied
Fri Mar 16, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: I owe $50k in 2017 taxes. Where can I find a good accountant/ bookkeeper? Or DIY?
Replies: 26
Views: 3484

Re: I owe $50k in 2017 taxes. Where can I find a good accountant/ bookkeeper? Or DIY?

My accountant just told me I owe $50k in taxes I have no idea if this is right or not, and all accountants I talk to are completely flakey and never get back to me timely. I'm not sure if i should just do it myself on turbotax? I have an S-Corp (solo) and LLC for rental. Any idea how a) I can make ...
by clutchied
Tue Mar 13, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Tax software recommendation for CPA
Replies: 7
Views: 842

Re: Tax software recommendation for CPA

I'm not a tax accountant but I am a CPS so I want something a little more professional than Turbotax. I like seeing the tax forms as information is entered into tax software. Does anybody have any suggestion for tax software? I will use this for myself and perhaps 5-10 other returns I do for friend...
by clutchied
Tue Mar 13, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8775

Re: traveling to mexico, should I be concerned?

We are going to Cancun in May - we tend to pay more to stay at higher rated (more premium) all inclusive properties. This will be our third time - we ventured off the resort last time we were there and although we came back with a great story, I don't think we will be doing the same thing again :wi...
by clutchied
Mon Mar 12, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: unable to claim Sch E loss for rental. 8582 limitation
Replies: 10
Views: 805

Re: unable to claim Sch E loss for rental. 8582 limitation

Hello, I've run into a situation on my taxes this year that is new for me and I'm wondering if there is something I'm missing. I typically file a Schedule E for a loss on my rental property. Line 22 of the Sch E directs me to the 8582 form and see if I have any loss limitations. Typically I don't, ...
by clutchied
Mon Mar 12, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: On-line rent payment rec's?
Replies: 10
Views: 933

Re: On-line rent payment rec's?

my monthly is 6 payments.

All are on some form of bank transfer. I haven't used software at this point in time due to the low volume being simple to manage.


I do use zillow rental manager when I do any listings.
by clutchied
Mon Mar 12, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3394

Re: House Hunting Concerns With Well

live in SW Ohio and have an 87 ft. well with 20ft. of water in the casing. It was tested @ 5gpm for an hour and probably could yield more. 2gpm is low but there are ways to deal with that. You could get a very large pressure tank so you have less regen. I probably wouldn't advise a cycle stop valve ...
by clutchied
Fri Mar 09, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Rental property sale - loss/gain?
Replies: 12
Views: 1102

Re: Rental property sale - loss/gain?

Hello, I am looking for some advice on the tax consequences regarding the sale of a rental property. I purchased the condo in 2005 for $251k. I put the condo into use as a rental property in 2009. My accountant at the time used $187,500 as the basis for the rental property. Since 2009, I have taken...
by clutchied
Fri Mar 09, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3780

Re: MD-Phd (Harvard) vs MSTP (School X)

this may sound crazy or it might be crazy but....


Your kid has a gift and I would go to the place where those gifts can best be utilized to contribute to their well being and the well being of society.

I would disregard almost all financial considerations at this level.
by clutchied
Wed Feb 28, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Does the JOBS act make being a landlord obsolete?
Replies: 12
Views: 2123

Re: Does the JOBS act make being a landlord obsolete?

Question for those who own rental property. With the ability to invest in real estate through crowdfunding websites such as realtyshares, peerstreet, patch of land etc. what are the advantages of being a landlord? In doing my research the headaches of being a landlord (paying for management company...
by clutchied
Wed Feb 28, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 43
Views: 5433

Re: Costco 'Goodyear' wiper blades

I remember buying these and then returning them before use because they got really bad reviews. I bought 2 sets when they were on sale for $6!! turns out they are absolute trash. I gladly paid $40 to be able to see... If I lived in socal I might tolerate them but it rains in the Midwest....
by clutchied
Wed Feb 14, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's the most "interesting" job in corporate finance?
Replies: 30
Views: 3599

Re: What's the most "interesting" job in corporate finance?

I would get a CPA or CMA and then get an MBA. I haven't seen much value add from a MA in acct.... UNLESS you want to specialize in tax or something similar but then you're also running into the JD crowd. I have a CPA license and the doors it has opened are amazing. I'd hire a CPA or an MBA anyday of...
by clutchied
Thu Feb 08, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 18033

Re: For BHs who actually like cars - what is your daily driver?

2004 BMW M3 6-speed manual :sharebeer so sweet!! jealous.... '14 BMW i3 '06 330i 6-speed manual. the i3 costs me $35/mo in "gas" the 330i costs me $150/mo in gas pretty big delta on EV's. I hear great things about the i3 as a daily driver. How do you like it? If the range works it's a blast to driv...
by clutchied
Thu Feb 08, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 18033

Re: For BHs who actually like cars - what is your daily driver?

Rifampin wrote:
Sat Feb 03, 2018 5:08 pm
2004 BMW M3 6-speed manual :sharebeer
so sweet!! jealous....


'14 BMW i3
'06 330i 6-speed manual.

the i3 costs me $35/mo in "gas"
the 330i costs me $150/mo in gas

pretty big delta on EV's.
by clutchied
Thu Feb 08, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2861

Re: Comcast Modem Rental

Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee? Are there any problems with doing this? I bought my own 4 years ago. Its' great. it was like $90... so I think i'm pretty far ahead :) Costco had the motorola one's. Docsis 3.0 and up I believe...
by clutchied
Mon Feb 05, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 47025

Re: Flaunt Your High-Mileage Car

'02 BMW 530i

187,000 and counting. Love this car.
by clutchied
Fri Feb 02, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3661

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Pers. Cap. They call to sell you their services I don't like this. ... If you tell them you're a DIYer and no, thank you, they'll leave you alone. YNAB: woof... it's really great but wow does it take work. I bought it then promptly abandoned it on the first day. How long ago? The current web versio...
by clutchied
Fri Feb 02, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3661

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Pers. Cap. They call to sell you their services I don't like this. Their investment software is pretty good. I like personal capital app but they unleashed one of their advisers on me and I told them no thanks, and then they emailed me (or what I thought was me) an email of some dog and pony show p...
by clutchied
Thu Feb 01, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3661

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Does anyone use Personal Capital, Mint, Tiller, You Need a Budget, or another tool to budget/track expenses and investments? If so, which one and do you like it? It seems like the free portion of Personal Capital is pretty slick. I'm not sure what to think about giving a third party access to my ac...
by clutchied
Thu Feb 01, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9989

Re: How risky is Med school student loan debt?

I read those two articles and they were so sad. It was interesting though. I am a pilot and see many parallels between the career progression described in the blog. Pay lots of money for school, get a crappy paying high stress job in a residency (if you are lucky), then eventually get to practice a...
by clutchied
Thu Feb 01, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: SUV vs Minivan: which is safer?
Replies: 23
Views: 1702

Re: SUV vs Minivan: which is safer?

Last time I checked the Odyssey had zero driver fatalities per million miles driven. http://www.iihs.org/iihs/sr/statusreport/article/50/1/1 Correction: According to the linked article, that is "zero driver fatalities per million registered vehicle years." There are nine vehicles listed with the di...
by clutchied
Thu Feb 01, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: SUV vs Minivan: which is safer?
Replies: 23
Views: 1702

Re: SUV vs Minivan: which is safer?

Last time I checked the Odyssey had zero driver fatalities per million miles driven.

http://www.iihs.org/iihs/sr/statusreport/article/50/1/1
by clutchied
Thu Feb 01, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Switching from Biweekly 401K match to Annual match
Replies: 6
Views: 922

Re: Switching from Biweekly 401K match to Annual match

they'll claw back some forfeiture money, but I agree with the other poster. You lose a year but now you're getting a frontloaded contribution :)

Think positively!
by clutchied
Thu Feb 01, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Rental property depreciation
Replies: 3
Views: 566

Re: Rental property depreciation

I've used a CPA to prepare my taxes for the last several years. This year I'm planning on DIYing. There's only one number on last year's return I can't figure out how to compute - Depreciation, line 18 on schedule E. Form 4562 has the same number on line 17, but is otherwise empty. I don't see a su...
by clutchied
Thu Feb 01, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Advise on dealing with previous employer
Replies: 6
Views: 650

Re: Advise on dealing with previous employer

sounds like you've done what you need and they have agreed to pay it.

wait 2 weeks. If it isn't there present the contract, wait 2 weeks. Not there? Hire an attorney.
by clutchied
Thu Feb 01, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3277

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

maybe if it was a range rover...

If you want the service go for it, but you're paying for a service.