Different voices, different opinions
10 years ago
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- 10 years agolast modified: 10 years ago
- 10 years ago
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difference of opinion on use of retirement savings
Comments (16)It depends on whether her retirement portfolio includes enough non-tax deferred investments (money that isn't in a traditional IRA or 401k) to pay of the principal. If so, it's probaby a reasonable thing t do. But if her regular savings fall more than a little short of 100K, that means she'll have to withdraw enough from the non-Roth 401k or IRA to pay off not only the mortgage balance, but also the income tax owing on the withdrawal., thereby depleting her principal by a lot more than 100K. Even worse, if the withdrawal is sizable, it would no doubt put her into a higher tax bracket for the year the withdrawal is made, So she'll wind up paying a lot more income taxes than she would otherwise, even further depleting her principal. Not good. I'd say wait untill the mortgage balance is low enough that she can comfortably pay it from her regular savings....See MoreHow do you keep the peace when you and SO have different opinions
Comments (51)This is an entertaining thread. I've read all the way through, and realize that dh and I are extremely fortunate in that our tastes coincide on so many levels, and he's very agreeable after I spend hours researching agonizing over selections. What I have learned though, after we built a home 10 years ago, is that it all needs to be done at the outset. Because after the initial construction is finished he is extremely resistant to more construction mess. I had FREE labor offering to help me finish my sewing studio - no go. And the backsplash that we were going to finish after we moved in and lived with a kitchen for awhile - never happened. We sold the house 7 years later, and it was still ABB. So this house, my studio has been an integral part of the plan, AND I just found my perfect backsplash. I can't join the ABB club, or I will forever be without a backsplash. It's all just knowing your own particular dynamic. I'm agonizing right now over which sink to put into the kitchen. I've asked his opinion - he said "get whatever you want" We've gone over our plans with a fine tooth comb in the last week, and I found a few places where we could change selections or leave off, and he pretty much added everything back in....See More2 Very Different Opinions What Is Yours
Comments (13)Definitely not American Empire, nor is that a pie crust top. A pie crust edge looks like a pie crust....raised and scalloped. And the base is walnut not mahogany unless you are talking about Phillipean mahogany. And why French? I guess to a dealer in continental antiques, everything looks French or German or something. I would like to see the underside of the top, a close up of the edge grain on the part that is scalloped...see things like what wood is under the birdseye veneer and how thick the veneer is. I'd like to know the size of the table too. Do you own it or are these the seller's pictures? If these are the sellers pics I would worry about what appears to he a bump or lift in the veneer on the farside or the top in the pic of the full top surface. Lots of things about this table aren't quite "right" for either guess on era, it could be a married piece....but if I had to guess I would say American Northeast 1910 to 1930. If you don't own it, don't buy it without lots more info....unless the price is VERY good!...See Morenew kitchen remodel - opinions on different sinks
Comments (5)I think it's really personal preference. We have cast iron now, which I love and my husband tolerates. We had stainless before. Pros to cast iron for me are looks (we have a 1915 house so have a bungalow-style kitchen, and cast iron just fit much better than stainless) and ability to hold water temperature (longer than our stainless did, but that may also depend on the gauge of the steel for the stainless sinks--I'm quite sure ours was a cheap one installed by the granite people to sell the house). Pros to the stainless was that it hid grungy corners much better (though of course they were still there!) and took dings better. Back when we did our kitchen, there were more stainless sinks that had workstation style attachments to add; our cast iron is a Kohler that just has a cutting board accessory that covers half of it, and even that has not really been worth having given the price. If you want that type of sink, you'll probably have better options in stainless. I think either cast iron or stainless will look lovely with your counter. I don't know much about solid surface, so can't speak to that. We have gray and white cabinets with soapstone and wood counters (sink area is soapstone/gray cabs)....See More- 10 years ago
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Elmer J FuddOriginal Author