Search found 449 matches

by clutchied
Fri Jan 19, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4001

Re: What can I do to fight this ridiculous medical bill?

What would you do in this situation? My insurance company already paid over 9k... So just be careful. There are for profit and not for profit hospitals. Your "insurance" has deals or negotiated rates with various facilities. The "amount paid by insurance" could be partly rate reduction and or payme...
by clutchied
Fri Jan 19, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3560

Re: I got a Roomba and think you should too

To make this actionable: What’re your experiences with Roomba? I asked for one for Christmas and got an 805 at costco. It has the higher suction no-wifi and just bounces around. It does have "virtual walls" which can help. I really really like it. it runs while we're not at home and I'm always amaz...
by clutchied
Wed Jan 17, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 4972

Re: Getting your spouse on the same page

We are definitely not on the same page about everything. I handle the long term investments/401(k)/IRA, while she handles the day to day cash flow into and out of our checking account. She is responsible for all the bills. She is not good with money, never has been. Whenever I want to talk to her a...
by clutchied
Tue Jan 16, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Weighing the value of a fixed-rate mortgage
Replies: 4
Views: 557

Re: Weighing the value of a fixed-rate mortgage

I look at low rate mortgages the inverse of low rate bonds.

Bond rates will have to go up at some point and your current bonds will be worth less.

Mortgage rates will also rise and your current (fixed)rate will be worth more.
by clutchied
Fri Jan 12, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: RE Tax payment sent in December but posted in Jan
Replies: 9
Views: 611

Re: RE Tax payment sent in December but posted in Jan

As many people did at the end of 2017, I pre-paid my real estate taxes because of the newly passed tax bill. My town sent out an invoice in the last week of December for the amount due, and was accepting pre-payments. I used BofA billpay to send a check for the tax payment. BofA's site said the che...
by clutchied
Fri Jan 12, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 4972

Re: Getting your spouse on the same page

What we've done is his, mine, and ours. We have a good idea of what the basic household expenses are, and we contribute equally to the joint account from which we pay them. Short terms savings is included in this figure: for escrow expenses; for car maintenance and replacement; for vacations. I als...
by clutchied
Fri Jan 12, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 4972

Re: Getting your spouse on the same page

It’s very common for married couples to disagree about money. I used to be a reckless spender but have completely turned it around and I am now a committed BH. I am having trouble getting on the same page with my wife. Has anyone else experienced difficulty in getting their spouse to follow a plan ...
by clutchied
Fri Jan 12, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 4972

Re: Getting your spouse on the same page

It’s very common for married couples to disagree about money. I used to be a reckless spender but have completely turned it around and I am now a committed BH. I am having trouble getting on the same page with my wife. Has anyone else experienced difficulty in getting their spouse to follow a plan ...
by clutchied
Thu Jan 11, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Company Sponsored Financial Wellness Program
Replies: 6
Views: 546

Re: Company Sponsored Financial Wellness Program

not specifically AYCO, but Valic was part of my wife's plan and they somehow convinced her to dump money into a variable annuity product even after I said no. She still hasn't managed to roll it over and it's been 4 years...
by clutchied
Wed Jan 10, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Any downside to paying with HSA?
Replies: 21
Views: 1743

Re: Any downside to paying with HSA?

So my wife and I are expecting our first child. We only have a CDHP with HSA available to us. So we pay everything out of pocket for the first $3,000 and then coinsurance until we hit the $8,000 out of pocket max. Since there are generally expected appointments with a pregnancy, I was planning on j...
by clutchied
Wed Jan 10, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 20827

Re: What age did you become debt free and what opportunities did it create?

I'm not debt free (yet) but I worked really hard to make sure my parents are as they are nearing retirement. It took about 5 years but I finally convinced them to pay off their mortgage. They did it two years ago. It's probably the single biggest financial event of their lives and it's allowed them ...
by clutchied
Mon Jan 08, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 3919

Re: Disappointed in Missing a Long Term Financial Goal

It has been a goal of mine to be a 'millionaire' by the time I'm 40 since as long as I can remember, but its looking like this goal will be hard to achieve. We are saving more than we've ever been and should be on track for a decent retirement, but it hurts to miss a long-time goal I've had since b...
by clutchied
Wed Jan 03, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9632

Re: Effects of extreme cold weather

Our deck boards make a popping or cracking sound when it get down in the mid teens or lower. Normally happens after it's dark and can be rather loud. we get that too... sounds like a gunshot. I think the boards must freeze together or something and then boom... I hope my hot tub isn't getting ready...
by clutchied
Tue Jan 02, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Want adequate filter to discharge clothes drier indoors
Replies: 24
Views: 2318

Re: Want adequate filter to discharge clothes drier indoors

So... if it's an Electric dryer you can get a bucket from home depot or lowes and cut a hole in the top. There's a coupling to buy that screws into the top and then you just drill like 2 inch holes around the top on the lid.

Fill bucket 1/2 with water. Voila! Youtube videos are useful.
by clutchied
Tue Jan 02, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 44
Views: 5578

Re: Anyone used Zelle?

A couple of my tenants use it. We'll see how it goes.

It appears to work just fine.
by clutchied
Tue Jan 02, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 131
Views: 12061

Re: Embarrassment Preventing Retirement Work: A factor for you?

I don't need the income, but wonder what it would be like to work various part-time jobs. I've thought about being a checkout clerk at Whole Foods or something similar. One thing that holds me back is that I've been quite successful in my community and I am certainly not anonymous. When I think abo...
by clutchied
Thu Dec 28, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 2792

Re: Smart Home: Google, Apple, or Amazon?

I have two Amazon Alexa's and 4 Google home devices (1 Home and 3 minis). If I had to do it over again I would just go the Google route. They both can do very similar things but the google home assistant is just better. I use it to control my lights(Hue) In the morning I say "good morning" and it r...
by clutchied
Thu Dec 28, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3076

Re: Should we downsize?

I would keep your home. I'm mortgage free so I understand your preference to be debt free. That being said your income is good and you obviously love the house. You are plenty young enough to sock away enough retirement cash. IMO keep the house you love. DA for sure. You'll regret that small gain f...
by clutchied
Tue Dec 26, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6489

Re: manual car for new teen driver

I started on a big conversion van and it made me a better driver. I also learned to drive stick early on and made me more engaged in driving so that I was paying attention. I think getting a kid a stick and spending a bunch of time with them early on is a fantastic idea. TSX Civic Si Mazda 3 or 6 BM...
by clutchied
Tue Dec 26, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 20020

Re: Do you see a meaningful change in your income with new Tax Bill?

I think we may end up paying more depending on how things shake out. I need to do some further calcs.
by clutchied
Sun Dec 24, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 6903

Re: New Car - Always use parking brake ?

100% of the time. I don't like the stress clank after letting go of the brakes and the car rolls against the transmission lock.

It's probably a habit from driving a stick. I still do it in my EV too :)
by clutchied
Thu Dec 21, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3267
Views: 946159

Re: What Movie Have You Recently Watched?

Blade Runner 2049 . Highly recommended if you are a scifi or film fan. Impressive accomplishment feeling like a genuine sequel of the original. I want to see this too. Do you need to have seen the original? I recently rewatched the original on TV. I don't think my wife has seen it. I loved the orig...
by clutchied
Wed Dec 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11756

Re: A meal with friends yields a financial revelation

Enjoyed the read! I agree it is a great feeling to be able to do those kinds of things. It makes me wonder if others who are not in a position also feel that way when they swipe only to deal with the repercussions later on? I know plenty of people who don't shop by price but should. true freedom to ...
by clutchied
Wed Dec 20, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 32
Views: 2284

Re: Which cell phone to buy--need good camera?

If I'm buying a phone with a great camera today it's the pixel2 or XL variant of the pixel2.
by clutchied
Sun Dec 17, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5378

Re: Electric Energy Usage

It won't be comparable but in SW Ohio we have natural gas. We use on avg. about 1200 to 1400 kWh's per month. House is 4900 sq. ft. built in late 80's. Furnace is original. Gas is so much cheaper to heat with than heat pumps. I'm shocked people even try to use them in the NE. They just don't work wh...
by clutchied
Sun Dec 17, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11463

Re: 2018 financial goals - what are yours?

h82goslw wrote:
Sun Dec 17, 2017 11:44 am
clutchied wrote:
Thu Dec 14, 2017 10:05 am

Max HSA again - $6750
It’s a minor thing....but max amount for 2018 HSA is $6900. I was excited about this until finding out wife’s employer was taking away HSA option for 2018.
great point. Always better to have current info than "rollover memory".

sorry about your HSA loss :(
by clutchied
Sun Dec 17, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 3701

Re: Buy home with structural issues

so you're paying $1.5M for a house and $20k is going to break the deal?

I'm assuming you think that the person you hired isn't telling you the whole truth and the house is going to fall down?
by clutchied
Fri Dec 15, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 25
Views: 2869

Re: Takata Airbag Class Action Settlement

munemaker wrote:
Fri Dec 15, 2017 7:11 pm
Jack FFR1846 wrote:
Fri Dec 15, 2017 5:48 pm
I threw it out. Son's home from college so will schedule replacement next week.
I threw it out too. These are good for the lawyers, seldom anyone else.
agreed. did the same.
by clutchied
Thu Dec 14, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10537

Re: How much did you contribute to your 401k in 2017?

37, Self Max
36, Spouse Max

there's a weird matching formula but we'll have about $45k contributed all in 2017.
by clutchied
Thu Dec 14, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11463

Re: 2018 financial goals - what are yours?

2018
Max 403b's again - $36k
Max HSA again - $6750
E-fund to 6mo's from 3mo's +$25k
Begin Mort. Paydown fund

5yr.
Payoff 1 rental

10yr.
All rentals paid off.

15yr.
Decide if we want to continue working
by clutchied
Wed Dec 13, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: A Decade of work and planning (by the #'s)
Replies: 0
Views: 301

A Decade of work and planning (by the #'s)

So I just realized this year was my 10 year anniversary of my professional career. I had a late start @ 27 and I'm 37 now. I'm married so these are combined numbers. Income from 75K -> $230k Investments from 0 -> $320k (Could have done better) Investment property from 0 -> 6 "doors" Net worth from (...
by clutchied
Wed Dec 13, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Rental properties, legal structure
Replies: 4
Views: 453

Re: Rental properties, legal structure

I just run mine through Sch. E on my tax return. They are deeded to me and the debt is in my name. There are a couple of legal and titling issues with changing them over to say an LLC including property tax reappraisal which is silly in California due to prop 13(locks in purchase price valuation). T...
by clutchied
Mon Dec 11, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6875

Re: CPA: The best profession if you want to make the most money + keep the most money?

Hey yeah, so it's pretty easy. You would think there would be some type of secret but nope... 1. They had big brokerage accounts, most were actively managed 2. Many had a business of some kind. Most were service oriented. 3. Many had real estate rentals. 4. Many had lots of cash to capitalize on op...
by clutchied
Mon Dec 11, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6875

Re: CPA: The best profession if you want to make the most money + keep the most money?

I'm a CPA that has worked in public practice (tax) and now am in Commercial Real Estate development. The key to making money as a CPA is using the knowledge the CPA provides to leverage that into industry - at least that has been my experience. If you are going to become CPA because you think you'r...
by clutchied
Fri Dec 08, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1149

Re: router - can I set it up myself?

My techno-competent neighbor who usually "helps" with computer issues is not here right now. I need to buy and set up a new router. Right now running on IS- provided modem and need to add router. I don't want a combo - that's what stopped working a little while back. I've been busy/travelling and c...
by clutchied
Fri Dec 08, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6875

Re: CPA: The best profession if you want to make the most money + keep the most money?

I'm a CPA that has worked in public practice (tax) and now am in Commercial Real Estate development. The key to making money as a CPA is using the knowledge the CPA provides to leverage that into industry - at least that has been my experience. If you are going to become CPA because you think you'r...
by clutchied
Fri Dec 08, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7127

Re: House on the market less than a day. Did listing agent commit fraud?

The motorcyclesarecool family has been in the market for a house for the past year. Yesterday our buyer’s agent contacted us about a property that was at least 95% of our ideal and reasonably priced. We set up a showing for today. Showing was cancelled because the house went under contract last nig...
by clutchied
Fri Dec 08, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6875

Re: CPA: The best profession if you want to make the most money + keep the most money?

I am wondering if becoming a CPA is the best profession if you want to make the most money + keep the most money? I have some friends who are CPA accountants and they have their own business and are expanding it to 4+ different locations in different cities AND different states. I am wondering if m...
by clutchied
Thu Dec 07, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Question on inheriting real estate from parents
Replies: 24
Views: 2876

Re: Question on inheriting real estate from parents

Hey all, So my dad has been burdening with my brothers and I to find a solution to inherit a few rental/investment properties of theirs in order to reduce overall tax burden/liability both for them and for us. There have been questions around how to utilize and take advantage of the $14k gift exclu...
by clutchied
Wed Dec 06, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2371

Re: Holiday Tipping

Hello Bogleheads always nice to chat with you. My wife and I were discussing how to tip this holiday season. We have read some articles and wanted to know what the forum thought. We are planning on tipping the following folks and wanted to know how you determine what to tip; newspaper delivery pers...
by clutchied
Wed Dec 06, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 710
Views: 183831

Re: Share your net worth progression

NW - YEAR - YoY Change

795,711 - 2017 - 171,625
624,086 - 2016 - 223,236
400,850 - 2015 - 61,525
339,325 - 2014- 89,775
249,550 - 2013 - 125,992
123,558 - 2012- 35,478
88,080 - 2011 - 38,187
49,893 - 2010- 24,335
25,558 - 2009 - 25,558
by clutchied
Mon Dec 04, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3215

Re: Electric Car (Nissan Leaf) for a teen driver?

awesome idea!

the BMW i3 would also be a great buy but they are a bit more on the used market.

The upside is that most have active rear ending accident avoidance.
by clutchied
Fri Dec 01, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2243

Re: For Musk, an Energy Feat the Size of a Football Field

I'm not rooting against him, but it's very easy to see why some folks call him a snake oil salesman. If you truly can't understand where that notion comes from, then it is likely that you are quite well off and own a Tesla. Is he? Who knows. Time will tell. If he isn't, some will still scoff. If he...
by clutchied
Fri Dec 01, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2243

Re: For Musk, an Energy Feat the Size of a Football Field

Musk is a modern day snake oil salesman. I wouldnt touch that stock with a 10 foot pole. This may be the first time ever that he actually delivered what he promised. You've said this before and the characterization is incorrect. I can't think of anything he does that doesn't actually work. They are...
by clutchied
Wed Nov 29, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use 1 LLC for multiple income properties?
Replies: 8
Views: 927

Re: Anyone use 1 LLC for multiple income properties?

also be aware that LLC's in CA are taxed on gross receipts. Am I remembering that correctly? I assume these are paid off? Most lender's won't allow an LLC as the debtor. Thanks for your comment. I'll research but I recall something about a $250k/yr gross receipts threshold for single member LLCs. T...
by clutchied
Wed Nov 29, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5393

Re: Edward Jones trap

this is one of those situation where they'll never know what they're missing.

If you convince them to switch the market will tank and it will be your fault.
by clutchied
Wed Nov 29, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use 1 LLC for multiple income properties?
Replies: 8
Views: 927

Re: Anyone use 1 LLC for multiple income properties?

also be aware that LLC's in CA are taxed on gross receipts. Am I remembering that correctly?


I assume these are paid off? Most lender's won't allow an LLC as the debtor.
by clutchied
Tue Nov 28, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 9172

Re: Tesla truck unveil

Smitcat, do you think that Tesla’s lead in Superchargers will make a difference? I see many more L2 chargers locally, but tbh, they strike me as neither fish nor fowl. I don’t want/need to charge while I’m at the grocery store, or movie, etc. and they are surely too slow to facilitate long distance...