Bogleheads.org

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Another question, I trust bogleheads more than general google and I am brand new to home buying. We are getting almost brand new, 8 year hold house in up state New York area. How common are termites in here? The temperatures during winter went down to 0F. Should I get an inspection for an 8 year ol...

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Greens fees. Paying $20 to spend 4-5 hours walking at a brisk pace with friends and playing the game we all love is priceless! Riding in carts doesn’t cut it with my group.

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OP, Yes, we could. Vice versa, we could have 20 years of bear market too. So, why does any of this matters? It does not. The only relevant question is are you prepared? A) If we have 20 years of bull market, you will be fine. B) If we have 20 years of bear market, you are fine too. If you are prepa...

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Folks, I (along with two siblings) inherited a home. We are debating whether to sell it or rent it out. Here are the details: -Realtor estimates the home could sell for between $230,000 and $300,000 (a big range, I know, but some of that is because it’s an odd property, zoned for light commercial, ...

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grettman wrote: ↑Mon Mar 15, 2021 4:19 pmNope.

Yep.

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iamblessed wrote: ↑Tue Jan 22, 2019 8:48 am I might get an inheritance in the future.

Go wrong for whom? You?

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If you have filed your 2020 federal tax return, with a refund due, how quickly did the IRS process it? For us • Return e-filed on TurboTax and accepted: 02/20/2021 • Refund received (direct deposit): still being processed as of 3/6/2021 (https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp) Thi...

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We didn't renew Prime and honestly don't miss it. With the Target debit card (they also have a credit version with no fee) you get 5% off at Target and free shipping. They are easier for essentials, and I especially appreciate how you don't have to wade through a ton of suspect/potentially counterf...

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https://youtu.be/Zz6RK361Gxo The above video is an excellent argument in favor of old seasoned retired investors like us buying and holding perhaps 5% of port in bitcoin. I'd like to know what other veteran non-USA investors think about it. If you asked me about my opinion regarding Bitcoin before ...

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Wifi TVs. like ROku work great. Just make sure you have a decent signal in that area of the house. If not, get a Google wifi and it'll take care of it. I can heartily recommend smart wifi TVs. All the benefits, none the drawbacks. There is one major drawback: Having to scroll through each app to fi...

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I have a friend who recently retired. He has a large enough dividend based portfolio (yield 3.2%) that produces enough dividend and dividend growth that he may never need to worry in retirement. Would it make sense for him to switch over to an index fund like VOO and have to face the up and down...

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Tamalak wrote: ↑Tue Mar 02, 2021 11:38 am Not crazy. Domestic PE is like 25 right now, during covid.

It’s 35, over twice the mean.

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SrGrumpy wrote: ↑Tue Mar 02, 2021 10:13 am Does anyone have some fun money in such ETFs, maybe HERO rival NERD (up 130%)? Or even UFO (up 25% about the same as the S&P)?

No.

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Helping my son with college expenses (he was a Division I athlete so got some scholarship money) so he graduated debt free. And more recently opening 529s for his two sons. Giving is much more fulfilling than receiving.

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Marseille07 wrote: ↑Tue Feb 23, 2021 4:06 pm To get rid of bonds from my Boglehead AA.

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drgenefish wrote: ↑Wed Feb 24, 2021 4:14 pm imo he's a genius and there's a lot of nuance beyond just feeling safer with the mortgage being paid off.

Ramsey is many things. Genius ain’t one of them.

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I have a question I hope BH experts can weigh in on. I have been contributing to a 529 for my grandson for a few years. My son (the father) also wants to contribute now to his child’s education. Should he add to my existing account or open a new one? Other than better funds tracking with separate ac...

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I’ve had it since its inception. Highly recommend.

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This article beautifully summarizes how dumb this mania is:
https://taibbi.substack.com/p/financial ... onary-spac

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I'm a landlord. $100-$200 of increased rent is not worth trading a long term, no drama, always paying on time tenant.... for someone who could maybe be the opposite of any of those 3 things. If you don't need the money, keep the rent as is. But keep the lease to 1 year. Anyone buying the house from...

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Keep it. You’re getting an excellent ROI.

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So far , ethereum and bitcoin have been amazing diversifiers as a small part of my portfolio. It's kind of amazing that many bogleheaders will happily own underperforming small caps and ex-US (and argue for 9,000 pages about how SCV funds "will, maybe, hopefully, eventually pay off "), bu...

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The fact that lots of people are discussing Bitcoin and SPACs without bursting out laughing does remind of the DotCom era.

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RetireSoon wrote: ↑Mon Feb 15, 2021 6:45 pm 28%

A question - for those who have a significant % in TIAA Trad, how likely are you to convert this to an annuity when you retire?

Very unlikely. Don’t see any the need.

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Too many WSJ ads on this board. I never seen a New York Times add here. Or a Washington Post WSJ should pay a commission to Bogleheads. WSJ and The Economist are at least related to the BH world, in that they tend to have a higher focus on finance and economics. WSJ's opinion section has gone so do...

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Impatience wrote: ↑Thu Feb 04, 2021 10:31 pm Unfortunately like many things in life, a bubble can only be seen in the rear view. And then it looks so obvious.

With Bitcoin and SPAC mania, plus a Musk tweet that sends an investment soaring, it seems obvious now.

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13.5% is not rare for a bull market. It might even be low for a bull market. Yes, it's certainly possible the next 5,10,15 years will have lower returns, but then that period will be likely be followed by another 5,10,15 year period where we get 13%-16% a year. <snip> Some bull markets go a long ti...

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livesoft wrote: ↑Sat Feb 13, 2021 1:33 pm
tadamsmar wrote: ↑Sat Feb 13, 2021 12:59 pmThat would involve going to an adult child who has limited savings and a low-paying temp job and saying "Which charity should I give your inheritance to?"?
I am sure I am not the only one who likes the sound of that.

I think maybe you are the only one.

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After looking at the current stock markets indexes rise at such a great rate over such a short period of time, I would think that something has to give. Not saying that a crash is around the corner, but maybe a plateau. In July 2018 you posted: I think US equities will be down and can almost guaran...

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www.reuters.com

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Keenobserver wrote: ↑Thu Feb 11, 2021 6:35 pm The fact that so many people are predicting a crash makes it less likely to happen, as crashes are historically unpredictable.

Huh?

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One Bitcoin selling for nearly $50,000 and Tesla being valued close to $1 trillion could signal a market top. Oh wait, that’s already happening.

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People, do you realize how much pent up demand is for fun travel, restaurants, clothing, parties, hip-hop concerts, etc. there is? Bubble will be in 2025 maybe. Look ahead to amazing economic growth for three+ years (assuming vaccines work, and countries stay peaceful). That’s all built into curren...

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Zero. I don’t get the attraction.

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Track your spending closely at least 2 years prior to retiring. For planning purposes, budget for big-ticket items like a new roof, a new furnace, and the replacing of aging automobiles. Knowledge is power.

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Is it me or a lot of 2020 tax forms late this year? Generally the deadline to supply 1099 forms is February 01, but I already see that my 1099 forms from Fidelity will not be available until mid-February, Schwab as late as the end of February. Even my banks (TD, BoA, local CU) have not supplied the...

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If they cannot bring themselves to move to a lower COL area, then they may have to accept that they struggled all their lives so that you and your siblings could someday have a long and comfortable retirement. And they'll be able to do so proudly, and someday you will be able to tell your children ...

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RH blocking buys of gme, amc, bb seems criminal, the only rationale I can think of is to save the shorts. I bet citadel created a bunch of shorts and then shut down Robinhood buys, just speculating. The most interesting part of this story is how the newsreaders at CNBC are all aflutter. It’s as if ...

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Harry Livermore wrote: ↑Sun Jan 24, 2021 11:30 am
This REALLY should be a foundational concept for anyone who invests in the market (which, in one way or another, is almost 100% of the public)

That is simply not true.

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I’ve had a self-directed IRA with Equity Trust for 12 years. I opened it to buy rental property during the 2008 housing crisis. It’s been good for me. I bought a duplex for just over $200k and rents have yielded 7-8 percent annually (after taxes, insurance and maintenance). Every few years I transfe...

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Nate79 wrote: ↑Wed Jan 20, 2021 11:23 amEven if Tesla stock has a major drop bringing its valuation more inline with reality does that bring the whole market down? Doubtful.

I think you’re wrong on this point.

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I have both and prefer the Roku. The Firestick is too Prime-focused, and I detest the way Amazon pushes rentals and purchases amongst the “free” Prime stuff, making it more work to just watch something. Apple TV does the same thing — always pushing one to spend even more money.

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Anywhere in Ireland.

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I’ve had a Ryobi for a few years. Great for small jobs such as removing leaves from a driveway. Raking and bagging is superior for bigger jobs.

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Of course! I mow 3 acres.

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I would never take the risk of creating a lifelong enemy over $7k.

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Sandi_k wrote: ↑Sat Jan 02, 2021 2:19 pm - I don't pre-pay the mortgage. We're entering Year 5 of a 15 year mortgage, and pre-paying on the 2.625% debt is ludicrous when we're getting 10-15% in investments.

You got a rate of 2.625% five years ago?

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I’m planning to convert IRA funds to a backdoor Roth starting in 2022 (we’ll both be retired mid-2021) until 2028, the year DW and I both turn 72. We own a duplex valued at $230k (by our PVA) in a self-directed IRA with Equity Trust. Rental income minus taxes, insurance and maintenance is $14.4k a ...

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I’m planning to convert IRA funds to a backdoor Roth starting in 2022 (we’ll both be retired mid-2021) until 2028, the year DW and I both turn 72. We own a duplex valued at $230k (by our PVA) in a self-directed IRA with Equity Trust. Rental income minus taxes, insurance and maintenance is $14.4k a y...

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I own a duplex and never raise the rent on a tenant who wants to renew because a vacancy of even a month or two quickly eats up the rent increase. I cherish my good tenants and want to keep them happy. In 12 years I’ve had only 1 bad tenant so my system works well for me.

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