Search found 1446 matches

by tenkuky
Sat May 15, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Finding Dory on Disney +
Don't know how I missed this when it came out.
Nice, but not close to the original Finding Nemo.
The support characters are fun (sea-lions, whales but most of all the septopus!)
by tenkuky
Fri May 14, 2021 7:27 am
Forum: Personal Investments
Topic: Moving bond allocation from Roth to traditional IRA
Replies: 3
Views: 264

Re: Moving bond allocation from Roth to traditional IRA

One thing to consider is if you have similar funds in your taxable account. You then have to be careful of creating a "wash sale" if you were to sell those to achieve tax loss harvesting as it will be disallowed. See the wiki for more details. If not a concern, then yes, it is that simple....
by tenkuky
Tue May 11, 2021 9:57 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Thank you everyone for the input and great ideas, esp around ceiling, toilets, renovations, studs. Very good point on the "why do it if you don't need it?" and "you won't recoup the cost". I have struggled with that, but really we are the outlier in the neighborhood so our comps ...
by tenkuky
Sun May 09, 2021 8:45 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Earlier this week, I had lunch with the head of a big commercial builder in my city. He said the expectation for inflated prices on raw building materials is about 1 year. So definitely sit tight and wait this craziness out! Thank you for the inside scoop! Question for all is: when I get around to ...
by tenkuky
Sun May 09, 2021 7:58 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

I will need to rethink the room configurations. There is only 1 set of egress windows on the far end where there will be the main bedroom. Due to not having another egress window, I will likely convert the other room into just a "study" or non-bedroom so as to comply with code. The egress ...
by tenkuky
Sun May 09, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Thanks Sandtrap and desiderium. HVAC already in place with ducts and vents for entire basement. Will get plumber to help plan out sewer and water, lines already running through and just need to tap into them and/or trough. Sewer pipe is along ceiling level against wall facing street. Water lines ru...
by tenkuky
Sat May 08, 2021 8:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Hamilton on Disney +
Absolutely wonderful (my first time watching!)
Can’t fathom the experience of the lucky ones to see the original cast live on Broadway.
:beer
by tenkuky
Sat May 08, 2021 11:05 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Thanks Sandtrap and desiderium. HVAC already in place with ducts and vents for entire basement. Will get plumber to help plan out sewer and water, lines already running through and just need to tap into them and/or trough. Sewer pipe is along ceiling level against wall facing street. Water lines run...
by tenkuky
Sat May 08, 2021 9:50 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Planning to remodel an unfinished basement sometime in the next 1-2 years (not during crazy lumber/materials prices currently). We have a general idea of what we'd like to do with the ~ 1200 sq ft space (add a bathroom with 2 general/bedrooms, and some open space). However, we would like to look at...
by tenkuky
Sat May 08, 2021 9:35 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

Yes to gutters extended out, no to french drain :shock:
Landscape is graded away AFAIK, and last 4 years basement has been bone dry (touch wood).
2 egress windows with cover. On that note, need to consider if the cover is considered obstacle to escape and should it be hinged to open from below?
by tenkuky
Sat May 08, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Re: Basement finish design and sequence

How tall is your basement? Are you planning to insulate your walls and floors? I would keep moisture and bulk water issues in mind and have strategies for mitigation in place. The insulation of floors takes away ceiling height. The insulation of walls takes away a little square footage. Just someth...
by tenkuky
Sat May 08, 2021 8:52 am
Forum: Personal Consumer Issues
Topic: Basement finish design and sequence
Replies: 36
Views: 2386

Basement finish design and sequence

Planning to remodel an unfinished basement sometime in the next 1-2 years (not during crazy lumber/materials prices currently). We have a general idea of what we'd like to do with the ~ 1200 sq ft space (add a bathroom with 2 general/bedrooms, and some open space). However, we would like to look at ...
by tenkuky
Thu Apr 29, 2021 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: TDA credit card and brokerage accounts: future?
Replies: 3
Views: 296

TDA credit card and brokerage accounts: future?

I have had a TD Ameritrade credit card and corresponding brokerage account where I dump my cash-back for an additional 10% bonus regularly. Other than that, I have no use for the latter and keep it at a near zero limit. I believe the close out fee was $75 in the past that's why I never closed it. I ...
by tenkuky
Wed Apr 28, 2021 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT add baby as authorized user to build credit history?
Replies: 85
Views: 6773

Re: Why NOT add baby as authorized user to build credit history?

SrGrumpy wrote: Sun Apr 25, 2021 8:09 pm While you're at it - add the wee nipper to the deed, the car registration, and your frequent-flier program. Maybe get him a fake D/L from the guy in the alleyway.
:P
Actually, my infant had a frequent flyer account and over the years has racked up plenty o'miles.
by tenkuky
Sun Apr 25, 2021 2:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Seen a few Oscar nominees in the last couple of days. Trial of the Chicago 7 (Netflix) Superb direction by Sorkin; makes a courtroom drama fast paced with cutaways/flashbacks/interspersed real footage. Who knew Borat could act so well? :D Ma Rainey's Black Bottom (Netflix) Sadly this dragged but the...
by tenkuky
Fri Apr 23, 2021 8:14 am
Forum: Investing - Theory, News & General
Topic: Is Cathie Wood a bad influence to our younger generation?
Replies: 65
Views: 5642

Re: Is Cathie Wood a bad influence to our younger generation?

Well, in Cathie Wood, I see a woman creating her own reality in every conscious way, and so far it seems a very legal and ethical way. She's taken so much crap just for being a woman--the stuff I've read in comments here and there shows many men haven't changed in how they see women as just sexual ...
by tenkuky
Fri Apr 23, 2021 7:35 am
Forum: Investing - Theory, News & General
Topic: Is Cathie Wood a bad influence to our younger generation?
Replies: 65
Views: 5642

Re: Is Cathie Wood a bad influence to our younger generation?

Isn't it the sort of thing that has to be re-learned by every generation? For example I expect GenX to join in about the star Janus managers during dotcom boom, baby boomers and Peter Lynch, etc. Well, I was going to bring up Janus, but you already did. ;) And Janus Junction, the old discussion boa...
by tenkuky
Sun Apr 18, 2021 8:30 pm
Forum: Personal Consumer Issues
Topic: Cost of a 4 seasons room build in midwest?
Replies: 5
Views: 933

Re: Cost of a 4 seasons room build in midwest?

There is a significant cost increase from a 3 season to 4 season room and depending on structure of the home, will need additional insulation, ducting etc. We are planning for a 3-season one in the next 1-2 years and will be getting quotes soon. Now, because of COVID and other factors, the cost of m...
by tenkuky
Sun Apr 18, 2021 8:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Thunder Force (2021)
Netflix.
Time in my life I will never get back. A shame too, since Octavia Spencer is a wonderful actress and Melissa McCarthy is very funny.
There is no story line and the jokes fall flat.
by tenkuky
Sun Apr 18, 2021 10:34 am
Forum: Personal Investments
Topic: Turning over accounts to 18 year old
Replies: 13
Views: 1343

Re: Turning over accounts to 18 year old

Thanks to all for their input! To clarify, not California, upper Midwest. Based on the feedback, I will split the difference :happy Will NOT turn over control of 529 yet, teen will be beneficiary and not owner. WILL turn over the Roth sometime between 18-21, but first will have a detailed conversati...
by tenkuky
Sat Apr 17, 2021 11:54 am
Forum: Personal Investments
Topic: Turning over accounts to 18 year old
Replies: 13
Views: 1343

Turning over accounts to 18 year old

I wanted to get the board's wisdom regarding this issue. Teen will be 18 next year, and so far has a small Roth IRA (that bank of dad has been matching earned income from food service job). Also, is beneficiary of a 529 which can cover in-state tuition. There is zero chance of qualifying for any nee...
by tenkuky
Thu Apr 15, 2021 9:39 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Clowns to the left Of me. Jokers to the right. Here I am - stuck In the middle with you. Are used to enjoy that song. Ever since Reservoir dogs when I hear that music I get very tense and I feel my blood pressure rise. Let me know what you think! Yeah, can you imagine listening to "Singing in ...
by tenkuky
Wed Apr 14, 2021 6:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Ma (2019) Slowly building thriller that turns to horror. A woman repeatedly invites local teens into her home to party safely. What could possibly go wrong? Watchable, but I cannot recommend it due to gratuitous gore/violence/adult situations when it turns to horror. What is particularly notable ab...
by tenkuky
Wed Apr 14, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

News of the World (2020) DVD free from public library. Was a little slow in parts, but nice story line and you can't go wrong with Mr. Hanks. Since I just finished reading Lonesome Dove , the locales/story was fresh in my imagination. https://www.youtube.com/watch?v=zTZDb_iKooI I Care a Lot (2020) ...
by tenkuky
Wed Apr 14, 2021 9:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

News of the World (2020) DVD free from public library. Was a little slow in parts, but nice story line and you can't go wrong with Mr. Hanks. Since I just finished reading Lonesome Dove , the locales/story was fresh in my imagination. https://www.youtube.com/watch?v=zTZDb_iKooI I Care a Lot (2020) ...
by tenkuky
Tue Apr 13, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 20344

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Watership Down, Richard Adams. What are we willing to risk for freedom, what will we endure for safety? How do we treat our visionaries? I need to reread that book... It's been 20-30 years... but I read it like 5-6 times back when I was younger. "My chief rabbit has told me to stay and defend ...
by tenkuky
Sun Apr 11, 2021 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice - College selection - Premed
Replies: 51
Views: 3130

Re: Seeking advice - College selection - Premed

Although we are one year behind you in this exact process, I am taking livesoft’s advice and focusing on in-state mainly. Since undergrad doesn’t matter as much for Med, cost becomes an important factor. Med school will be a huge cost all its own😳 You have several states’ schools on your list, why n...
by tenkuky
Sat Apr 10, 2021 9:04 am
Forum: Personal Finance (Not Investing)
Topic: 529-scholarship-distribution-tax-change owner?
Replies: 4
Views: 289

Re: 529-scholarship-distribution-tax-change owner?

Normchad wrote: Sat Apr 10, 2021 9:00 am You can have the 529 plan send the distribution directly to the student. Then it will show up on their form 1099-Q.
Thanks! Can they then file their own taxes for the taxable amount? I assume this will be "unearned" which limits to $2.2K at lower bracket.
by tenkuky
Sat Apr 10, 2021 8:35 am
Forum: Personal Finance (Not Investing)
Topic: 529-scholarship-distribution-tax-change owner?
Replies: 4
Views: 289

529-scholarship-distribution-tax-change owner?

Next year the young person will enter college. Depending on many factors, they may get some amount of merit scholarship. We have sufficient amount in the 529 to cover 4 years of undergrad and some amount of grad school. I have read through Pub 970 and have 2 remaining questions regarding scholarship...
by tenkuky
Sun Apr 04, 2021 7:21 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 20344

Re: Who is your favorite fiction author and what is your favorite book of theirs?

I finally finished Lonesome Dove by Larry McMurtry. Thoroughly enjoyed it, and remarkable that it came out the same year as Blood Meridian by Cormac McCarthy. Both great, in different ways. And I just wrapped up The Nickel Boys by Colson Whitehead (who wrote the wonderful Underground Railroad ). Thi...
by tenkuky
Fri Apr 02, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Spaceballs Awesome as always! I originally saw it in the theater on its initial release. But then I noticed that was 34 years ago. Ouch, made me feel old. But not as old as Yogurt. I loved this parody, didn't recall that it's 34 years old. The one-liners in this masterpiece are funny even today. Wh...
by tenkuky
Fri Apr 02, 2021 6:30 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Wonder Woman 1984.
Free from library DVD.
Like other posters on this thread commented... not good.
Hint: don't miss the "mid credits" scene at the end. That actually partially made up for the ridiculously contrived, poor action scenes punishment I endured prior.
by tenkuky
Fri Apr 02, 2021 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Confirmation of scheduled tax payments
Replies: 8
Views: 774

Re: Confirmation of scheduled tax payments

jac wrote: Fri Apr 02, 2021 6:24 pm We used EFW (electronic funds withdrawal). I wonder if they do not confirm.
They do not confirm before-hand. But like clockwork, the EFW came out for us on March 31 like we scheduled and we got an email confirmation of the same then.
by tenkuky
Mon Mar 29, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Cost for COVID test for travel
Replies: 19
Views: 1719

Re: Cost for COVID test for travel

Could be free in some states / locales. Free drive-up testing where I live. Results in less than 24 hours if my spouse's experience is any indication. Agree, but it depends how it is coded for the insurance. In our case, for travel does not equal medical necessity apparently. Will look into the hom...
by tenkuky
Mon Mar 29, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Soul (Disney-Pixar)
Free from library DVD.
Got quite draggy at times, with entertaining moments. Quite philosophical as well.
I wanted to like it more than I did.
by tenkuky
Mon Mar 29, 2021 9:14 am
Forum: Personal Consumer Issues
Topic: Cost for COVID test for travel
Replies: 19
Views: 1719

Cost for COVID test for travel

Apparently COVID testing that is mandatory for international flights is not deemed "medically necessary" by the insurance and the person is liable for entire cost (minus any insurance adjustments). Does anyone know a ballpark cost range for direct-to-consumer COVID testing that can turn ar...
by tenkuky
Sat Mar 27, 2021 10:48 am
Forum: Personal Investments
Topic: New boglehead looking for a review
Replies: 10
Views: 861

Re: New boglehead looking for a review

Can you also list available low cost funds in your DCP and current 401K? Your TRowe Price offerings have high-ish ERs in the 0.69-0.71% range. I would also pay attention to your tax efficiency in the taxable: SDIV has a high ER also and spins off quite a few dividends. Look at the wiki for tax-effic...
by tenkuky
Sat Mar 27, 2021 9:09 am
Forum: Personal Investments
Topic: New boglehead looking for a review
Replies: 10
Views: 861

Re: New boglehead looking for a review

Welcome to the board. I'll take a stab at a couple of things: 1. It is always desirable to mostly go equities in Roth. Not sure why you have a sizable allocation to money market (13%) there. Also there is overlap between VFIAX and VSTAX. Just go all Total Market VSTAX and simplify. 2. To get more $ ...
by tenkuky
Sat Mar 27, 2021 8:48 am
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 20344

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Thanks to all on this thread, I am reading "The Lonesome Dove" by Larry McMurtry.
Sad to report he passed away yesterday.
I will finish the last 60 pages left in his honor today. :beer
by tenkuky
Wed Mar 17, 2021 12:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23286
Views: 3044723

Re: U.S. stocks in free fall

Makes me sick. I lost my whole stimmie yesterday before it even got deposited and now this. I should have listened to Mike Wilson and took profits. What did you invest in that you've lost it? And who is Mike Wilson? Wasn't he one of The Beach Boys? Ugh, no, Mike Love was related to the Wilson broth...
by tenkuky
Wed Mar 17, 2021 12:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23286
Views: 3044723

Re: U.S. stocks in free fall

Makes me sick. I lost my whole stimmie yesterday before it even got deposited and now this. I should have listened to Mike Wilson and took profits. What did you invest in that you've lost it? And who is Mike Wilson? Wasn't he one of The Beach Boys? Ugh, no, Mike Love was related to the Wilson broth...
by tenkuky
Wed Mar 17, 2021 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use MyFidelityConnection?
Replies: 1
Views: 328

Anyone use MyFidelityConnection?

Got an email from my workplace retirement program, run by Fidelity asking to join My Fidelity Connection . It appears to be an online customer forum "to gather feedback on the services, materials and tools Fidelity currently provides to you through your employer". Looks like it involves mu...
by tenkuky
Tue Mar 16, 2021 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth --> Filling out FAFSA
Replies: 9
Views: 1034

Re: Backdoor Roth --> Filling out FAFSA

Bumping this thread from 2+ years ago in hopes of guidance from others who have faced this issue (and perhaps success) more recently. My question is: Are there any experiences with FAFSA and the DRT transfer from IRS which necessitates a manual entry to clarify the backdoor Roth is not taxable? I un...
by tenkuky
Mon Mar 15, 2021 7:57 am
Forum: Personal Investments
Topic: 15x expenses, then SS
Replies: 95
Views: 8002

Re: 15x expenses, then SS

One thought: since the job is wearing physically and emotionally, are there some part-jobs in the medical field you could do to have a small income stream coming in? That would make the numbers slightly better. Perhaps just enough not to affect ACA premiums. For example: disability reviews; medical ...
by tenkuky
Sun Mar 14, 2021 9:00 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6712
Views: 1465585

Re: What Movie Have You Recently Watched?

Boy (2012)
Free from public library.
Another Taika Waititi (Jojo Rabbit, Hunt for the Wilderpeople) movie.
So funny and poignant, authentically set and told in New Zealand.
https://www.youtube.com/watch?v=oP05fUP9xAo
by tenkuky
Thu Mar 11, 2021 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rebalance after home costs?
Replies: 2
Views: 173

Re: Rebalance after home costs?

Yup, sorry Still working. Maxing out pretax. Backdoor Roth yearly. Adequate emergency fund. Building taxable. Cash is about 8% of total portfolio. Should be FI in a decade. Roof cost does not alter the AA (if I include home in the NW). :oops: You just helped me answer my own question. Less tinkering...
by tenkuky
Thu Mar 11, 2021 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Rebalance after home costs?
Replies: 2
Views: 173

Rebalance after home costs?

I don't know if this is silly or has been explored before, but at risk of being laughed off the board, here goes... I am planning to replace the roof (already 23 years and beginning to have some wear, recommended replacing in 1-2 years). I will do it this year, and have a maturing Ally CD to pay for...
by tenkuky
Tue Mar 09, 2021 10:10 am
Forum: Personal Investments
Topic: Tools for optimizing Roth conversions?
Replies: 63
Views: 5585

Re: Tools for optimizing Roth conversions?

The unwary user may enter a higher stock % for the Roth account than in the t-IRA, which will drive the programs to make large Roth conversions, chasing what they see as extra return, but it's really just the programs trying to hold a greater fraction of stocks. The only way to get anything sensibl...
by tenkuky
Tue Mar 09, 2021 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA from Schwab to TIAA
Replies: 3
Views: 177

Re: Rollover IRA from Schwab to TIAA

Find out if it is electronic ACH transfer or old-school mail out check. That will indicate how long you will be out of the market also.
You should not receive a 1099-R for this non-taxable event.
by tenkuky
Tue Mar 09, 2021 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA from Schwab to TIAA
Replies: 3
Views: 177

Re: Rollover IRA from Schwab to TIAA

Does anyone have experience with a partial rollover of IRA funds from Schwab to TIAA? I’m wondering what the mechanics and pitfalls are, and how difficult it may be. Thanks. Didn't do to TIAA but to Fido 2 years ago. Partial transfer incurs $25 fee on Schwab side. Fido was nice enough to reimburse ...