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Nate79

Did they actually buy owners title insurance?

Nate79

I did almost exactly this a few years ago. Same truck and similar trailer. Want to know how many trips it will take to upsize your truck or dump the trailer?

2.

Nate79

This is Whole life, not long term care insurance. And you know how to know a permanent life insurance salesman is lying? Their lips are moving.....

Obligatory warning:
viewtopic.php?f=2&t=57154

Nate79

This is a bit controversial. My spouse and I keep our financial accounts separate. We agreed to keep things separate so we both have practice maintaining our own finances and investments. We are open about money discussions, and we co-own all large assets. Our income ratio is 4:1 ( me:her), so for ...

Nate79

Have you searched on here to see the general opinion on such products? (Hint: tons of threads on this TRASH product) Sounds like you have an insurance salesman getting ready to make a big boat purchase. I did - only found two: https://www.bogleheads.org/forum/viewtopic.php?t=255708 and https://www....

Nate79

Have you searched on here to see the general opinion on such products? (Hint: tons of threads on this TRASH product)

Sounds like you have an insurance salesman getting ready to make a big boat purchase.

Nate79

Glad to see this got fixed finally. This is a warning that when you do a refi and your loan may be in transition between two servicers to leave it alone and just make regular payments until everything is setup properly.

Nate79

I would not use a debit card for purchases overseas (or domestic for that matter). Just use credit cards (and there are plenty of no international fee credit cards). Just use the no fee debit cards for cash out of ATMs (Schwab, Fidelity, etc).

Nate79

Has anyone on here used Fundrise? I’m wondering what the recipe for success is? Based on their website/fees it looks like “time in” is the key to not losing out on ROI. Aside from that, it seems like a good way to diversify your investments, but wanted to hear “love”/“hate” stories before I took th...

Nate79

Who is this fiduciary advisor you speak of and where are their offices in your city/neighborhood?

Nate79

The return on our solar system will handily beat our Roth investments. But without that estimate it's hard to say which is a better decision.

Nate79

What is the company policy for damage or returns that you agreed to at the time of purchase? What was the insurance policy on the shipment?

Nate79

You will not have to pay it back. Yes, it is a free lunch.

Nate79

Not sure why they don't just include this as a feature in the mobile passport app in some form or another.

Nate79

I would have her sit in each and see which she likes best. Which she can see out of, get in and out of, etc. Our preference was the Forester which has excellent visibility but we moved up to an Ascent which we love.

Nate79

An elder care attorney recommended you do this?

Nate79

Remember, for every seller there is a buyer.

Nate79

If your state gives a tax deduction for 529 contributions that's another very nice benefit.

Nate79

The only other company that might be close is GM. Many of their cars can do over thr air updates and Cadillac is the most extensive OTA update capability for GM including almost all main modules including updated to their driver assist features. But I doubt it will go as far as you are expecting.

Nate79

I think I'm missing something. What's the point of this thread?

Nate79

All the talk about significant offers above asking price makes me wonder why the houses are being mispriced from the beginning with the listing.

Nate79

Some of the most popular posts here are full of outliers and should not be used to assess the average, median or mode of family finances. I take it as quite a few "humble bragging" about their $350k silicon valley salaries with $200k RSUs and buying $2million homes with $1.5 million netwo...

Nate79

In the end, for the OP, if you aren't going to save in a 529 but what are you going to do with the money instead? Its one thing if you aren't maxing out retirement accounts but if you are just going to save in a taxable account then the effect is basically the same as a 529 for need based aid as far...

Nate79

My wife and I are trying to decide if we should invest in 529 accounts for our kids education. I've been perusing old threads on that topic but haven't seen this exact question. According to a Forbes article I just read: " In general, on the FAFSA form, a 529 plan owed by the custodial parent(...

Nate79

Just used my Amex Platinum to book some post-vaccine travel later this year and I stumbled upon this discount: https://thepointsguy.com/news/amex-domestic-discount/ In my case, it's a ~$120 savings on a pair of round trip tickets on American Airlines. 2021 Amex Platinum credits/discounts: $180 - 6 ...

Nate79

We live in somewhat Northern part of Delaware and installed Solar in mid 2019. We got quotes from 3 companies and chose a 9.1kW (28 panels, 325W) for an upfront cost of $20k and then after rebates from Fed and utility the cost was $11k (so $2.2/w before incentives). Our installer was great. Final pa...

Nate79

thanks for all the replies! I find it odd how posters posit my gain won't be $500k. not sure what to say except that I analyzed my tax lots prior to the OP. I've talked it over with my wife and I think we'll optimize the gain this year based on our estimated tax bracket. I am a little concerned abo...

Nate79

Zillions wrote: ↑Fri Mar 19, 2021 9:17 pm Now, I'm even more confused. If I also wanted exposure to mid caps and small caps (ALL STOCKS traded within the US), would that not be possible if I only invested in VITPX?

Yes, VITPX is a total stock market fund. It has large, mid and small cap stocks, >3000 in fact.

Nate79

The Amex annual fee is strongly rumored to soon be going up, up up to anywhere from $695-795. Wow. Strongly rumored? Is there more than the FT thread started by a brand new poster a few days ago? https://www.flyertalk.com/forum/american-express-membership-rewards/2036041-rumor-usa-personal-plat-ann...

Nate79

The Amex annual fee is strongly rumored to soon be going up, up up to anywhere from $695-795. Wow.

Nate79

I got 3 good faith violations in the 365 day period. I was completely unaware of the rule because I have ever had it happen. Well I had 3 in one day as I was moving around my energy portfolio (selling low risk before it settled to move into higher risk and vice versa. Please no lecture on how bad d...

Nate79

Without the drama it's not even a good investment, marginal at best at the higher rental rate. Easy sell, especially with the drama aspect.

Nate79

You only pay taxes on the gains, not how much you sell. Are you sure your tax bill will be that high? Do you have different lots with less gains you could sell?

Nate79

I had to google this school. Never heard of it.

Nate79

Our baby was covered under the baby's insurance once born. Charges were separated between mom and baby after birth. This didn't matter to us as they were under the same insurance plan but what it means is don't assume anything. Ask. Edited to add: this topic has been discussed many times. I suggest ...

Nate79

Do they happen to have an active fund or an insurance product to sell us perhaps that solves the problem?

Who is their funding source at this "renowned college"?

Nate79

I like the calculated risk site for housing news and data and they recently posted this article showing how crazy low the housing inventory currently is:
https://www.calculatedriskblog.com/2021 ... t.html?m=1

Nate79

I am in a similar situation, but much worse. Due to my employer failing HCE testing, I have an excess 401K contribution of approximately $10000. :shock: The excess contribution has already been deducted from my 401K and I have been informed that I will be getting a check soon, so no worries there. ...

Nate79

https://www.irs.gov/pub/irs-pdf/p590a.pdf Page 7 says: "Your traditional IRA can be an individual retirement account or annuity." I do not believe this is referring to annuities that can be held in an individual retirement account. The IRS wording says that an IRA _can be_ an account or a...

Nate79

9 years in the future? Who knows.

Nate79

scorcher31 wrote: ↑Sat Mar 13, 2021 12:18 am Lol, wow it's sad I grew up with the company, forgot the name gamestop. It must be late

You should edit your thread title or flag a mod to help you.

Nate79

stocknoob4111 wrote: ↑Sat Mar 13, 2021 4:13 pm Ask your wife to provide her insurance information...

Best to have which couch you plan to sleep on before though. Always have a game plan.

Nate79

Yes it is a horrible product. Yes you should cancel it asap. Yes the insurance salesman lies. No it's not LTC insurance. Rea LTC insurance (not this fake junk) should be purchased if needed at 55-60. How old are you and what is your LTC needs?

Nate79

Unfortunately Schwab's 1099-B for 2020 continues the error from previous years for my TIPS that matured January 2020 (which I purchased at the auction 1/11/2010 ). Instead of the correct $5.11 gain for each $1,000 face value, Schwab's 1099-B reports $194.88. This is because it wrongly excludes from...

Nate79

I'm jealous! I had an estimate done last week, but I just can't make the numbers work for me right now, mainly because I wouldn't get the tax credit, (no liability and don't expect to have one for quite a while) so it would be 25K for a 9.6 kWh system that would provide 103% of need instead of the ...

Nate79

If you want to fund this with a permanent life insurance policy, I'd use a guaranteed universal life. But I think buy term and invest the rest will work better. It's only $200K. Many bogleheads will leave far more than that behind. Thank you! I appreciate the feedback. It sounds like the latter com...

Nate79

I had a similar problem with Schwab once. My user name was something like "JohnS". (Of course that is not my real username - I was using my first name and the first initial of my last name.) No matter what I tried, I could not get in. When I finally called them, they said I was getting lo...

Nate79

From time to time, I see posts on this forum of complaints about Vanguard customer service. My experience with Vanguard has been great. I wanted to share my poor experience with Schwab. The Schwab website login has been broken for many weeks. The website always shows a message “This system is tempo...

Nate79

You max out your 401k and 2 Roth IRAs and have more money to save? Welcome to the land of priviledge, the privilege to pay the entire cost of college.

Nate79

Thanks bruce. my accountant said it's a very vague area with the IRS. he said he's seen plenty of his customers set up "babies roth ira" for their kids. he said the main thing is as long someone has been paying taxes on the 1099-int/div plus gains on brokerage is what the IRS has been foc...

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