Search found 530 matches

by daheld
Wed May 23, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Winter Home - issues/costs?
Replies: 33
Views: 2699

Re: Winter Home - issues/costs?

I personally feel like it is much less of a risk and makes more sense to just rent a place for the winter. If you can rent a house for $2,000/month, it will take a LONG time of renting three months every summer to even begin to come close to the price to purchase a place as a winter home. Of course,...
by daheld
Thu May 17, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Recast mortgage?
Replies: 28
Views: 3030

Re: Recast mortgage?

If you need the monthly wiggle room of the amount of money you can save, then it's a good idea, particularly because there's no fee to recast. The further into the loan you get, the less it makes sense. We just bought a home and after the sale of our old home went through, we had a sizable amount of...
by daheld
Wed May 16, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1832

Re: Selling land FSBO help please

That is not at all what I said. Here is what I said: I didn't say you said that. I quoted two parts of your post - hence the ... The point is if you need an expert go to and pay the expert. The "legal resources" your agent had access to - who do you think that lawyer was working for? I don't think ...
by daheld
Wed May 16, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 6316

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

My $0.02: I grew up in a VERY rural area. I went to a very bad school. I legitimately did not know anyone who went to a pre-school probably until I went to college. I graduated with 26 people, and I think 5 of us completed college. I had a very poor junior high/high school mathematics and science ed...
by daheld
Wed May 16, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1832

Re: Selling land FSBO help please

legal questions...pay an expert. Like a lawyer. A real estate agent shouldn't be offering a legal opinion. It's a GED and a 40 hour class. At some point technology will bust that racket. That is not at all what I said. Here is what I said: In addition, a good realtor will have resources related to ...
by daheld
Wed May 16, 2018 8:21 am
Forum: Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3701

Re: Fellow non-529ers

What is the rationale for not using a 529? Just by depositing money in the 529 and then immediately taking it out to pay tuition, you could be taking advantage of up to a $10,000 state tax deduction in some states. Not to mention the tax free gains. Just wondering what the thinking is behind not ta...
by daheld
Wed May 16, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1832

Re: Selling land FSBO help please

legal questions...pay an expert. Like a lawyer. A real estate agent shouldn't be offering a legal opinion. It's a GED and a 40 hour class. At some point technology will bust that racket. That is not at all what I said. Here is what I said: In addition, a good realtor will have resources related to ...
by daheld
Wed May 16, 2018 7:49 am
Forum: Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3701

Re: Fellow non-529ers

What is the rationale for not using a 529? Just by depositing money in the 529 and then immediately taking it out to pay tuition, you could be taking advantage of up to a $10,000 state tax deduction in some states. Not to mention the tax free gains. Just wondering what the thinking is behind not ta...
by daheld
Wed May 16, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1832

Re: Selling land FSBO help please

Maybe not the input you're looking for, but this is coming from someone who just bought a home in what my residential home realtor, who has 15 years of experience as a buyers and sellers agent with tens of millions in transactions said was easily the most complicated, convoluted sale she's been invo...
by daheld
Thu May 10, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 3585

Re: Payoff mortgage early or save?

I've always felt that, unless and until you can make one lump sum payment to eliminate the mortgage, you should hold on to extra cash. The bank isn't interested in the fact that you're 12 months ahead of where you should be on your mortgage; your payment is due every month on the 1st. Lose your job...
by daheld
Thu May 10, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 3585

Re: Payoff mortgage early or save?

I've always felt that, unless and until you can make one lump sum payment to eliminate the mortgage, you should hold on to extra cash. The bank isn't interested in the fact that you're 12 months ahead of where you should be on your mortgage; your payment is due every month on the 1st. Lose your job...
by daheld
Thu May 10, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 3585

Re: Payoff mortgage early or save?

I've always felt that, unless and until you can make one lump sum payment to eliminate the mortgage, you should hold on to extra cash. The bank isn't interested in the fact that you're 12 months ahead of where you should be on your mortgage; your payment is due every month on the 1st. Lose your job...
by daheld
Thu May 10, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Keeping ones wits when things are chaotic
Replies: 12
Views: 1626

Re: Keeping ones wits when things are chaotic

I would put these problems into perspective and look at the good things going on in your life. My motto is "It could be worse." It's kind of like when the market is tanking and all the talking heads are on TV. You just have to ignore the noise and stay the course. This. It often sounds too simple w...
by daheld
Wed May 09, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2750

Re: Custom suit needed for a wedding. Help me shop around!!

I don't know what part of the country you're in, but I would recommend researching locally owned shops that make custom suits. I don't know this for sure, but I'm guessing places like Men's Wearhouse contract with local tailors anyway. I had a custom suit made for my wedding a little over 2 years ag...
by daheld
Tue May 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 3339

Re: Recommendation For Shirts

www.itailor.com Basic tailor made shirts starting at $29.99. They ship from Hong Kong, so it takes a few weeks after your order is placed for them to arrive. I have bought probably 8 shirts over the last 10 years or so from them, and have been thoroughly impressed. I am 5'4" and 145 lbs with a 40" ...
by daheld
Mon May 07, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26920

Re: most compelling TV character ever

I think "compelling" is a bit broad with no real context or explanation as to what you're looking for.

However, the correct answer here is:

1. Andy Griffith
2. Everything else
by daheld
Mon May 07, 2018 8:01 am
Forum: Personal Investments
Topic: Funds for a down payment on house
Replies: 8
Views: 1256

Re: Funds for a down payment on house

You're going to get a variety of answers around here, but most will recommend CDs/CD ladders or money market funds. Vanguard Prime Money Market Fund is a favorite here, and right now it yields 1.85%. You're going to hear different things, but I'm likely a little more conservative than some on BH, an...
by daheld
Tue May 01, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 44
Views: 4869

Re: Fiber cable on front lawn

Call Century Link. Call them until you get someone out there. If nobody comes, I have a feeling that an accidentally cut cord would get their attention for repair pretty quickly. It's unacceptable for them to just leave it laying on the ground and they need to fix it. Don't be bashful about asking f...
by daheld
Wed Apr 25, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 73
Views: 12222

Re: Using Vanguard’s advisors

DW and I (33 and 32 respectively) use PAS for our Roth's and a taxable account that will eventually mostly become a 529. All told, we have about $200k under management in PAS guided accounts. For me, it's worth it to pay the extra 0.3%. When my wife and I married, I made a strong push to get her to ...
by daheld
Mon Apr 23, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3610

Re: Coffee maker recommendations

Sorry--not following. Yes, you don't want coffee soaking excessively, but if you're referring to the comments I made about the pre-soak feature of the Behmor, it is a very short, customizable time period. I generally do a 30 second pre-soak--this allows the grounds to "bloom", which is the same met...
by daheld
Mon Apr 23, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3610

Re: Coffee maker recommendations

I'm not sure how much of a coffee snob you are, but I personally would not recommend Keurig or any of the other "capsule" coffee makers. About a year ago, we bought Behmor Brazen Plus: http://behmor.com/brazen-plus/ . It's an 8 cup maker, but you can make as little as half that. It allows you to pr...
by daheld
Mon Apr 23, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3610

Re: Coffee maker recommendations

I will probably catch flack for this, but I just am not a fan of Keurigs. Neither is their inventor: https://www.theatlantic.com/technology/archive/2015/03/the-abominable-k-cup-coffee-pod-environment-problem/386501/ “I don't have one. They're kind of expensive to use,” John Sylvan told me frankly, ...
by daheld
Mon Apr 23, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3610

Re: Coffee maker recommendations

I'm not sure how much of a coffee snob you are, but I personally would not recommend Keurig or any of the other "capsule" coffee makers. About a year ago, we bought Behmor Brazen Plus: http://behmor.com/brazen-plus/ . It's an 8 cup maker, but you can make as little as half that. It allows you to pre...
by daheld
Fri Apr 20, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 35083

Re: How old are you and how much do you save for retirement a year

DW and I are 34 and 32, respectively. No kids, though we want kids soon. Gross salary combined is about $140k. Yearly Savings: 401k/TSP with employer matches: $45k (Balance: $200k) Roths: $11k (Balance: $100k) Taxable: $9k (Balance: $100k) TOTAL: $65k (Total Retirement Balance: $400k, though realist...
by daheld
Tue Apr 17, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1854

Re: Investing proceeds of home sale

Investing this lump sum in that taxable account is just about the only BH option, correct? What other options do we have to invest this money that would be in line with BH thinking? One missing piece of info is in regards to your current "cash" savings (non-investments). how is that - does it need ...
by daheld
Tue Apr 17, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1854

Re: Investing proceeds of home sale

Investing this lump sum in that taxable account is just about the only BH option, correct? What other options do we have to invest this money that would be in line with BH thinking? One missing piece of info is in regards to your current "cash" savings (non-investments). how is that - does it need ...
by daheld
Tue Apr 17, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1854

Re: Investing proceeds of home sale

randomizer wrote:
Tue Apr 17, 2018 11:03 am
daheld wrote:
Mon Apr 16, 2018 3:01 pm
First, I know there are a million "how do I invest this money?" threads, and I apologize that I'm adding to that number.
I think that's pretty much what the forum is for.
Agreed. Just wanted folks to know I did search for some answers. :D
by daheld
Tue Apr 17, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1854

Re: Investing proceeds of home sale

1. No HSA. Wife and I have separate health insurance because she has a serious, chronic health condition and really great coverage through her employer. I am healthy and have a plan that's pretty darn affordable and works well for me. I considered an HSA, but if she were to lose her job, it would n...
by daheld
Tue Apr 17, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1854

Re: Investing proceeds of home sale

Do you have an HSA you can fill up? At 4.25%, paying down the mortgage is a pretty nice guaranteed return. Is there a fee to re-cast? Re-cast is different from just paying a chunk on principle. Paying ahead keeps your payment the same but more goes to principal. You skip ahead on the payment schedu...
by daheld
Mon Apr 16, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1854

Investing proceeds of home sale

First, I know there are a million "how do I invest this money?" threads, and I apologize that I'm adding to that number. In addition to that question, I've got a couple others that I'll try to summarize below. My wife and I (34 and 32, $145k combined gross income) have recently sold our previous hom...
by daheld
Wed Apr 11, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 641

Re: Deciphering asset allocation of TSP

So that pie chart is essentially telling me what the current AA is of my entire balance of funds in the 2050? Exactly :) To elaborate, suppose you have $10,000 today in the L2050. According to the TSP, as of now, the funds allocations are: G: 11.42% F: 6.33% etc. Source: TSP: Lifecycle Funds Theref...
by daheld
Wed Apr 11, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 641

Re: Deciphering asset allocation of TSP

Don't forget to include Social Security and your FERS pension (assuming you plan to stay that long) in your "safe asset" basket. Yeah, we are 32 and 34. Overall retirement AA is 85/15, which is probably a little more aggressive than I'd want to be without the pension. I am planning on staying in th...
by daheld
Wed Apr 11, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 641

Re: Deciphering asset allocation of TSP

I think you answered your own question. If you look at your historical contributions, it's just going to say that you contributed $xxx.xx on mm/dd/yyyy to the L2050 fund. It won't break it out for you by asset class. If you want to break it out by sub-fund, you'll need to do the math somehow. Fortu...
by daheld
Wed Apr 11, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 641

Deciphering asset allocation of TSP

So I am a 32 year old federal employee with 3 years of federal employment. I max out my TSP and a Roth through Vanguard. I am in the process of trying to pin down exactly what our (DW and I) combined asset allocation is. I know exactly what it is for everything we have through Vanguard, I know my wi...
by daheld
Mon Apr 09, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 1289

Re: Home inspection/negotiation question

We submitted a repair request for items the inspector found, other than the roof, and separately a request for a $16k seller's concession for a re-roof. The sellers went silent for a few days, and now at the end of the contingency/inspection period (when we can pull out and keep our earnest money) ...
by daheld
Fri Mar 30, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

Calling on mods to lock this immediately. People are throwing around junk pseudoscience, and frankly, it's dangerous. Get your nutrition information from an actual expert, a Registered Dietitian. Literally anyone can call themselves a nutritionist, and everyone online thinks they're an expert. Unli...
by daheld
Thu Mar 29, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

Calling on mods to lock this immediately. People are throwing around junk pseudoscience, and frankly, it's dangerous. Get your nutrition information from an actual expert, a Registered Dietitian. Literally anyone can call themselves a nutritionist, and everyone online thinks they're an expert. Unlik...
by daheld
Wed Mar 28, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

czeckers wrote:
Wed Mar 28, 2018 1:28 pm
Strictly speaking, limiting foods that have added sugar and saturated fat will have a far greater impact on your health than choosing organic and non-GMO foods.
SAY IT LOUDER FOR THE PEOPLE IN BACK!
by daheld
Wed Mar 28, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

I've been on a Keto Diet for the past 18 months. Just had blood work done two months ago and my cholesterol was under 150. BP at 108/78 and my heart rate was 64 BPM. Please. Stop this. ... This is what's wrong with the field I studied, and the field I complete gobs of continuing education for. ... ...
by daheld
Wed Mar 28, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

toxins move up the food chain and are stored in fatty tissue Please elaborate. See Biomagnification https://en.wikipedia.org/wiki/Biomagnification . Especially the section discussing lipids. This is why shark meat has 100 times the mercury levels as herring meat. Thanks. Was initially confused as t...
by daheld
Wed Mar 28, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

billy269 wrote:
Wed Mar 28, 2018 11:51 am
toxins move up the food chain and are stored in fatty tissue
Please elaborate.
by daheld
Wed Mar 28, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

I've been on a Keto Diet for the past 18 months. Just had blood work done two months ago and my cholesterol was under 150. BP at 108/78 and my heart rate was 64 BPM. Please. Stop this. One anecdotal scenario does not make anything factual. I am not arguing on either side of this issue, but this is ...
by daheld
Wed Mar 28, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17559

Re: Healthy eaters -- is this grocery budget normal to you?

I am a Registered Dietitian and (obviously) relatively mindful of finances and trying to be thrifty. I think I can offer a unique perspective. First off, kudos on doing what you can to eat healthy. We often think of investing in mutual funds and bonds and startups as investments, but spending a litt...
by daheld
Wed Feb 28, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9706

Re: Physical cash

Generally $0 cash in my wallet. I do have $20 right now, but I grabbed it for something (do not even remember what...) and wound up not needing it. I almost never, ever spend cash day to day. Usually keep about $100 in cash in the glove compartment of my car. Never know when it might come in handy i...
by daheld
Mon Feb 26, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding revised home appraisal
Replies: 7
Views: 396

Re: Question regarding revised home appraisal

What is this impacting? Your loan some how? PMI required or escrow account or such? Unless it is costing you some fee or other expense it seems a “who cares” kind of thing. Thanks for your feedback. I was just surprised. I don't guess it has any huge impact--we put 20% down and aren't escrowing any...
by daheld
Mon Feb 26, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding revised home appraisal
Replies: 7
Views: 396

Question regarding revised home appraisal

DW and I are in the process of purchasing a home. Initial asking price of the home was $314,900, and we are purchasing the home for a final sales price of $294,000. We close on the home Wednesday of this week. The home was appraised about a week and a half ago and immediately after the appraisal was...
by daheld
Fri Feb 23, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 45
Views: 6960

Re: Concrete or Asphalt driveway?

We are selling a home right now that has an asphalt driveway. The home we are purchasing also has an asphalt driveway. As the son of a cement mason/concrete finisher, I am somewhat partial, but definitely go with concrete. If done right, it will require zero maintenance and last a very, very long ti...
by daheld
Fri Feb 23, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 43939

Re: What UN-frugal thing do you do?

I splurge on roses or other cut flowers during my almost weekly trips through Costco for cheap fresh produce. The spouse loves them and I like having them around the house too in various vases. It's an extravagant splurge and I even have a quicken category for it when recording the receipt so it do...
by daheld
Thu Feb 22, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 43939

Re: What UN-frugal thing do you do?

I am simply ok with spending a few extra bucks every month to be comfortable in my own freaking home. If I'm cold in the winter, I turn it up a few degrees. This is not meant to be an insult to any of you thermostat obsessed folks--just not something I really care about. I wear holey underwear and ...
by daheld
Wed Feb 21, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 43939

Re: What UN-frugal thing do you do?

No plastic bottles in the liquor cabinet. Yeaaahh...I don't go crazy, but over the last few years I've gotten into craft beer. Some guys go nuts spending hundreds of bucks on bottles and beer mail. I haven't gotten that far into it, but I definitely spend more than I used to. Luckily, I live in a g...