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kmac30

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Everything posted by kmac30

  1. I had to stop reading after paragraph 2. If you have an inherited IRA, the required distributions you get are not tax free. They will be taxed as earned income based on your taxable rates. If you would have taken it all out at one time (10k), it would have been like you making an extra 10k that year. Capital gains are not in this picture.
  2. In my backyard I have this patio area that is bricks. Weeds of all kinds grow. I pull them. I spray them. I need something that will get rid of them for the next 6 months. I’m selling my house sometime in that range and I don’t want to be dealing with it. *there is mortar for the most part between the brinks, not just dirt. They come up in the cracks that have formed. Any ideas?
  3. Triggered. 408C. Q drop! Never made it to D.
  4. I went to UT and somehow got into CS program 20 years ago. Huge mistake as I knew computers decently enough but I’m terrible at math. I couldn’t get past engineering calculus. Fuck that class. I spent so much time trying to figure that out I got behind on other classes. College got hard until I got a job for an online company and changed my major so I could graduate ASAP.
  5. From what I saw on the news last night it looked like a neighbor outed them.
  6. That’s tough news. Sometimes I feel as if everything is balancing on a needle and can tilt at the slightest. You just never know who or what it’s going to be.
  7. kmac30

    Scams

    I know someone (older fellow - 82) who got a call that he had won the Publisher’s Clearing House 3.5M. All he needed to do was FedEx 9k in cash to some address. He couldn’t do 9k,but they agreed 4 would do. They told him it was going to be a surprise and not to tell anyone. So he went to an ATM and got a cash advance of 4K. Sent it. Called the guy and gave him tracking info. That guy informed him someone from Bank of America would be calling with the next step. He was to set up a Bank of America account and put some amount in there, 10 or 15k. That would show PCH it was active and they would wire to his account and taxes would be covered. I had to explain to him if he gave them the routing number and account number of an account with 10-15k, they could ACH it out. We called Bank of America and I asked if this guy worked there. The lady on the phone was really nice and confirmed he didn’t. It took a while but the old guy came around. Then he got in his head he was getting his 4K back. After a long talk we came to the realization that wasn’t going to happen either. I felt really bad. I had to get brutally honest with the guy. He came and saw me with his wife the next week. He had told her all about it. She was nice, but still gave him shit. “At 82 he’s still learning lessons the hard way!”
  8. Is there even a point to play those games?
  9. I cannot believe this thread keeps popping up. I guess I’m glad it worked out for you. Please let this shit die now.
  10. I’m in this boat right now. Looking at buying a house and we would need to redo kitchen, take out a wall, redo floors downstairs, turn some windows into doors, remove popcorn ceiling, master bath, the list can go on later. This is just the immediate list. 100-150k was where we were at. I keep feeling like we should just go buy a new house for 550k instead of starting at 350k and remodeling. My MIL keeps chirping about staying in the hood. I should ask what it’s worth to her.
  11. If you can get through summer and really want another go to Sams. I got the floor model at Sams for $200 (regular 1200) plus the manager threw in 2 extra slides. Why? Why not? I added one on and the other is in my garage. I figure someone will need it one day. Edit: Oh yeah, it was already assembled. I had them disassemble into a few major pieces so I could move it and fit it into my backyard.
  12. Dang, can’t believe that was 20 years ago.
  13. No. That was the call. If you’re talking about my last line, the - post on Surly - was just my thought, I definitely didn’t say that part.
  14. My wife has been sick for the last couple of days. Puking. Maybe fever. Nothing else. She was in bed most of the day yesterday. Before I left for work she said she was fine. I just called to see how she was doing. “I’m ok but my foot just really hurts. I think I pulled something when I was throwing up.” “Um. Ok. Gotta go” post this dumb shit on Surly.
  15. Pretty sure this is a cross post I read the other day.
  16. Estimates are a couple that is 65 will spend ~$250-275k+ https://www.kiplinger.com/article/retirement/T039-C001-S003-how-much-you-ll-spend-on-health-care-in-retirement.html That doesn’t include LTC
  17. How do you watch without dubbing? I turned this on and then saw the dubbing and got pissed and couldn’t watch.
  18. Saw that. Sad. He had a couple kids if I remember.
  19. Get some aggys involved and you can double that in no time
  20. Cash balance is a defined benefit, not defined contribution.
  21. Got it. Guess it must have been set up a while ago. As you said, it’s free money!
  22. It’s invested and should be earning more than what a bank account is earning. 4-6% is what a cash balance should be set at. It’s a defined benefit (pension). You’re too young to get the most benefit. Not sure how big your company is, but let’s say the owner is 65. He’s able to put away 200k+ (depending on a few things) and that counts as a business deduction.
  23. How old are you? A cash balance is more than just a savings account and typically benefits older employees/owners the most.
  24. Don’t forget about the cost of long term care. That can really put a damper on you or your spouse’s plans.
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