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| Favorite team: | US Space Force  |
| Location: | |
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| Number of Posts: | 2022 |
| Registered on: | 4/18/2008 |
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Recent Posts
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Just withdraw $9,000 in cash and go straight to the dealer....
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re: Stocks rebounding...
Posted by skewbs on 7/25/24 at 3:14 pm
[quote]If they think it's going up and they raise rates[/quote]
Drop rates?...
re: When do you refinance?
Posted by skewbs on 7/25/24 at 2:54 pm
[quote]you can do a refinance calculator online.[/quote]
This. It's honestly just math and there are free tools to make it easy and clear for you without us having to guess.
The only real estimated variable is time. And I mean estimating how long you will stay in the home....
re: U.S. Economy Grew a Robust 2.8% in Second Quarter
Posted by skewbs on 7/25/24 at 2:32 pm
Delete....
re: Napa - Best Winery for Views
Posted by skewbs on 7/1/24 at 6:16 pm
[quote]Domaine Carneros was disappointing[/quote]
I can understand that POV. I could certainly take it or leave it.
We go every trip (been 4 times already) and it's the only stop my wife insists on. It definitely appeals to women more with the hilltop French chateau, ambiance, and sparkling wi...
re: Napa - Best Winery for Views
Posted by skewbs on 7/1/24 at 5:00 pm
[quote]That's a lot of vineyards in 3 days.[/quote]
It does seem like a lot! The plan for now is to visit 3 per day. Start with the first one at 11am, do next appointment at 2pm, and final appointment at 4:30pm. That gives us pretty much 2 full hours at each with at least 30 minutes to get to the...
re: Napa - Best Winery for Views
Posted by skewbs on 7/1/24 at 4:57 pm
[quote]Where are y’all flying in to if you don’t mind me asking? Also where are y’all staying?[/quote]
Flying in to SFO and staying in Napa at the Westin Verasa as I'm using Marriott points to cover the whole stay....
Napa - Best Winery for Views
Posted by skewbs on 7/1/24 at 1:03 pm
My wife (no pics) and I will be in Napa for 3 days next week. At this point, we have our entire trip planned other than one open slot. We love great wine, but one thing she loves more is amazing outdoor views and scenery.
What's everyone's go-to spot for this criteria?
Currently on our schedul...
re: Job market for internal audit/audit profession?
Posted by skewbs on 6/25/24 at 2:15 pm
[quote]I can promise you with 100% certainty the average senior manager in public is making right at 175k in Houston[/quote]
I am an IA SM at a Big 4 firm in Houston. I'm not divulging exactly what I make, but you are in the right ballpark with your [u]average salary[/u] assumption, although I do...
re: *No Spoilers* House of the Dragon | S2E1 “A Son For a Son”
Posted by skewbs on 6/17/24 at 6:31 pm
Jesus H Christ WTF did this thread turn into. Embarrassing. ...
re: House of the Dragon : Season 2 - Episode 1 (Spoilers Welcome)
Posted by skewbs on 6/16/24 at 1:18 pm
Can somebody post that image of all of the dragons and which teams they are on? Having trouble finding it through a Google search...
re: Which matchup is better?
Posted by skewbs on 6/12/24 at 10:11 pm
The doctor was the boys mother !...
re: Napa Valley Review
Posted by skewbs on 5/29/24 at 9:27 am
Great review and info! Thank you for sharing. We are heading to Napa the last week of June and this will be our 4th time. Staying at Westin Verasa simply because I’m using points. ...
re: Does paying with cash vs check or card for big purchases still hold sway?
Posted by skewbs on 5/20/24 at 7:12 pm
[quote]I think this depends on the dealership. If it’s part of a large auto group, then no. If it’s the guy who runs his own lot and wears a cowboy hat on commercials, then you can be pretty sure he’d take cash off the books and give you a better deal.[/quote]
Spot on. In the car business, for na...
re: Saving More for Retirement - Trad IRA vs Normal Brokerage Account
Posted by skewbs on 5/10/24 at 1:34 pm
[quote]How long do you have before you plan to retire? Are your 401k contributions traditional or Roth?[/quote]
Late 30's. So 25+ years easily until retirement.
[quote]Also, I am on an expensive long term medication with a HDHP and haven’t had to pay a dime for it due to the manufacturer rebat...
re: Saving More for Retirement - Trad IRA vs Normal Brokerage Account
Posted by skewbs on 5/10/24 at 1:30 pm
[quote]I don’t understand why medical bills would make an HSA unattractive. You should pay medical bills out of pocket and let your HSA grow tax free. Maybe you mean you have a lower deductible plan and can’t qualify for HSA?[/quote]
I'm on a monthly medication that would cost me $20K if I paid i...
re: Saving More for Retirement - Trad IRA vs Normal Brokerage Account
Posted by skewbs on 5/9/24 at 8:42 pm
[quote]want to fund after tax IRA for future Roth transfer, what’s the annual contribution limit[/quote]
From FAQ on Schwabb - "Anyone with an earned income and their spouses, if married and filing jointly, can contribute to a Traditional IRA. There is no age limit. There are no income limitation...
re: Saving More for Retirement - Trad IRA vs Normal Brokerage Account
Posted by skewbs on 5/9/24 at 2:28 pm
[quote]You could be hit with capital gains taxes on a brokerage account at any time if you are buying/selling, right?[/quote]
This is a good point. So with the traditional IRA, I could be buying and selling without a tax hit, and then I am only hit on taxes as income when I withdraw, I think…
...
Saving More for Retirement - Trad IRA vs Normal Brokerage Account
Posted by skewbs on 5/9/24 at 12:32 pm
I'm trying to understand what would someone's logic be for opening a Traditional IRA versus just using a plain ole brokerage account for long term investing + saving for retirement in my situation. I'll preface with some pertinent information:
- Primary income is from W2 / salaried employee
- 40...
re: Colorado Mountain Towns
Posted by skewbs on 5/4/24 at 1:38 pm
[quote]Nearly all of the restaurants there are mom-and-pop owned[/quote]
:lol: :rotflmao:...
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