Recent content by Da Nag

Nope - just temporary cash flow as mentioned earlier. Three years back we did something similar when building a home and it worked out well. We had adequate cash to do most of it, and got about 80-85% through before running out of money. Given the expenses and limitations of a construction...

We have several IRAs with funds available next summer, but could really use some of the funds in late spring for major home projects we need to get going on. I know about 60 day rollovers, having used them a few years back. However, at that time - when the funds were put back into the IRA, we...

Initial cost is often brought up, but for new construction - LED can actually be your cheapest option. Reason being - the LED fixture cost can often be offset by the reduced electrical work needed. Fewer circuits and wire runs. One such example: We just built a pretty massive pole barn (54x60.)...

I'm not your tax guy, and can't claim to know anything about the actual law. However, that's exactly what was allowed for both my wife and me when we turned 50. We had a large and presumably competent HR/payroll department, that made a point of routinely distributing notices this was allowed...

I too, have drunk the YNAB Kool-Aid. I've tried every other option mentioned here. All have their benefits, but for straight up budgeting - there's something about the "YNAB way" that clicked with us. It's made a huge difference in how we view and utilize our finances. One of the nicest...

Nerd here as well, and I lived there until retiring to WA recently. Even with a 50% reduction in income, we're saving almost $15K a year between property and income taxes. Getting out was a no-brainer. Much as I hated living there, I must admit - I'll enjoy being a tourist.

No...I've not had to buy insurance for 20+ years, always covered through my previous employer. And, the policy I have applied for is individual + spouse. I've not paid any premiums, and it doesn't take effect until 11/1 - we're covered through my former employer until then. So, if I'm reading...

A little late with our [-]brag[/-] announcement, but my lovely wife and I have pulled it off as planned. No paycheck for her since June, my last day was a couple weeks ago. We're figuring many things out as we go, but so far - we're finding the change to be perfectly acceptable. ;D

My scenario: Wife and I have recently ER'ed, and will be buying health insurance starting next month. I've a very small side business I've run for years, filing a schedule C, taking appropriate deductions, and showing a very small profit each year. Constant and steady income, it shouldn't...

About 10 years back, my wife was in an relatively minor auto accident - her fault. We were sued, and part of the process required us to answer a deposition - by mail, not in person. There were several questions about disclosing any and all insurance, including policy liability limits. I ignored...

Thought for sure, DW and I were slated for the class of 2011. But, best laid plans were dealt a blow by the realities of realty. Had everything lined up, then put the house on the market in May...thinking it would sell by end of summer, and we'd be on our way. The good news - escrow just...

My use of the term "payday" implied an excessive and/or undeserved windfall. I've zero problem demanding and/or accepting a fair settlement. Which is why I'm inquiring as to potential problems with future insurance here...understanding the answer to that question, will determine in large part...

Thanks for the tips. Other than our vehicle reimbursement and a couple personal effects, we're aware we don't want to settle ASAP...we've up to two years for rest of the settlement. Presumably in our favor, and hopefully alleviating that concern - the other driver works for a Fortune 1000...

DW and I were in a rather ugly vehicle accident the other day. Rear ended while we were at a dead stop by a full size truck at 40-50MPH, car was totaled. We were taken to the ER, x-rayed, CT scans - negative for anything broken/ruptured, and were released. However, needless to say - while we're...

Cool resource - thanks! Here's the link for others.