Favorite team:LSU 
Location:Atlanta
Biography:LSU Grad 07
Interests:LSU Football
Occupation:
Number of Posts:20
Registered on:10/17/2008
Online Status:Not Online

Recent Posts

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If you are retired anyway, would taking SS early help preserve your 401k funds as an inheritance for your kids? How should I think about that?...

re: Best financial gift for a baby?

Posted by Kemosabie on 11/7/23 at 1:54 pm
[quote]If there's enough interest I'd be happy to dump the workbook I built into Google Sheets or something.[/quote] I'm definitely interested in the information you put together! I'm weighing the pros and cons of different investment vehicles now....
Yeah my thought is to try to go in planning to pay listed price, but ask to offset the fees and see if they will throw in all-weather mats....
In general, do dealers budge much from prices listed online for used vehicles? I'm using True Car/Auto Trader to find the specific vehicle I want (comparing apples to apples) in order to get a sense of the bottom price. I'm familiar with the Will Cover Method, I'm just wondering if the dealer has mu...

Rubber Mulch for swingset

Posted by Kemosabie on 4/25/19 at 1:10 pm
Does anyone have any experience using rubber mulch for a children's playground area? We're putting up a swingset in our backyard in an area that currently has home depot bag mulch. Do people prefer rubber over regular mulch? Is it worth the cost? Any downsides that I should be aware of?...

Primary Residence Exclusion for Taxes

Posted by Kemosabie on 3/15/19 at 10:51 am
I sold a condo last year that I lived in for 2 years and then rented for 2 years thus qualifying for the capital gains tax exclusion. The closing attorney didn't submit a 1099-S, so I don't think I have to show the sale, but I'm not sure how to show depreciation recapture. Should I just show that th...

re: Down sleeping bag recs

Posted by Kemosabie on 7/24/18 at 12:04 pm
I have the Marmot Helium 15 degree bag and I love it. If the temperature is above 20 degrees, this is all I use in my hammock. Lightweight and compacts down to a great size. Looks like its on sale at backcounty for $320. https://www.backcountry.com/marmot-helium-sleeping-bag-15-degree-down...

Cover for raised bed garden

Posted by Kemosabie on 4/9/18 at 12:23 pm
Has anyone built covers for your raised bed gardens? Seems the most popular way is to install PVC hoops. I'm primarily looking to protect from inclement weather. Any advice/suggestions?...
My wife and I got married about a year and a half ago and I'm grateful that we had/have a foundation of a Christian faith to look toward as we make life decisions. I started having conversations with her early and often about general temptations our sin nature lures us into. Money/spending is probab...

re: MVNO Cell Phone Provider

Posted by Kemosabie on 12/5/17 at 2:56 pm
Switched over to Total from Verizon and so far so good! I'm going from spending $90 a month for 4 gbs to $58 a month for 15 gbs. I just wish I would have heard about this sooner!!...

MVNO Cell Phone Provider

Posted by Kemosabie on 11/2/17 at 4:10 pm
Does anyone have any experience using an MVNO cell phone provider (Cricket, Tracfone, etc.)? From the little research I've done, it looks like you could save some serious cash switching from one of the big carriers to an MVNO. I started by looking at Google Fi after hearing about it from a coworker,...

re: Rental Property Depreciation

Posted by Kemosabie on 9/27/17 at 4:28 pm
So it's a bit more nuanced. My father in law bought it for my wife a few years back for $80k and put it in her name. Only contingent was he get paid back when she sold it. So I paid him to make him whole so that I could rent it out. So there is no mortgage. I only net about $7k a year after expenses...

Rental Property Depreciation

Posted by Kemosabie on 9/27/17 at 1:02 pm
My wife and I both had condos when we got married so we rent out her's to a friend of mine. Do most people depreciate rental properties for tax purposes? I just claim the net income now which is easy. Seems like maintaining a depreciation schedule would require hiring a tax professional. ...

Thoughts on Umbrella Insurance Coverage

Posted by Kemosabie on 3/27/17 at 12:49 pm
I"m not terribly familiar with Umbrella coverage, but would it make sense to carry the bare minimum auto and home insurance and then pay ~$200 a year for $1M in coverage?...
I've done a good bit of research on the topic, and I think it really comes down to your spending habits and the rewards that fit best with your lifestyle. If you fly somewhat frequently and don't have to book your travel using a corporate card, I think an airline credit card makes sense because you ...
Thanks for the insight guys. This is really helpful. I’m liking what Aviator is saying. With a little help from google, I want to make sure I understand correctly. 1. Set up a Roth IRA and drop in 5,000 for 2010. Also set up auto contributions each month to reach the max for 2011. 2. Inve...
I'm 26 years old, single, debt free, and make about 70K a year. I put on average around 800 a month in a regular savings account and contribute 7% (up to employer match) to my 401k. I'm pretty close to having 25K in savings and trying to figure out what I should do. I've let this amount accumulate w...