Bogleheads.org

ScubaHogg

Consider Whistler/Blackcomb, great ski town, fabulous mountains. About 1- 1.5 hours out of Vancouver. Green runs high up on both mountains. Low base elevation so altitude sickness less likely (unlike at Breck, A Basin, Keystone, Copper). +1. Of everywhere I've been I thought this had the best "...

ScubaHogg

My efile tax return keeps getting rejected by the IRS (and subsequently state) with the error that the "AGI or PIN is incorrect." I have gone back and checked and rechecked. The AGI is definitely our AGI from last year. Additionally, we filed a paper return last year and don't have a PIN....

ScubaHogg

However, I have also attempted putting "O" in for the AGI and "1" (both tips I read somewhere). All have been rejected. OP, just to be sure... the advice has been to use a zero and not the Letter "O". I'm pretty sure that's what you meant in your original post, but I j...

ScubaHogg

You don't have to go to the Post Office to mail your return. You can put in any mailbox to mail it including the one at your home. I'm sure there is a way, but I don't know how to get tracking on it and/or have it registered if I just drop it in my mailbox. Plus I just don't want to burn that much ...

ScubaHogg

z3r0c00l wrote: ↑Mon Mar 22, 2021 10:27 am
ScubaHogg wrote: ↑Mon Mar 22, 2021 10:24 am
I am trying to avoid having to print off the return and go to the post office and mail it in.

That sounds like the best option, what is the concern about doing it this way?

Two under two and I just don't want the hassle of loading everyone up and going and standing in line

ScubaHogg

My efile tax return keeps getting rejected by the IRS (and subsequently state) with the error that the "AGI or PIN is incorrect." I have gone back and checked and rechecked. The AGI is definitely our AGI from last year. Additionally, we filed a paper return last year and don't have a PIN. ...

ScubaHogg

Your NW may or may not keep climbing. You could be hit by a drunk driver tonight and not contribute another dollar. The relevant question is what kind of lifestyle you want for your wife and child if you were to die tomorrow. Is $4M enough for you/wife to live on a raise a baby on if one of you were...

ScubaHogg

Hi everyone. Long time lurker. What is the BEST thing you ever spent money on? Shalom: The best thing I ever spent money on was a bottle of champaign. I'll explain: It was New Year's Eve 1950, I went to the New Year's Eve Bachelor's Ball on Miami Beach. I saw a very beautiful lady ( the 1949 Orange...

ScubaHogg

I figured it out. I actually did the tIRA section correctly, but in the "Wages and Income" section I accidentally answered "yes" to the "have you received any income from IRAs, Annuities, etc." section and then left it at 0. So TT was trying to create a 1099-R for that....

ScubaHogg

Ok, I was clear that I hadn't done the conversion for 2020, but perhaps I entered it in incorrectly. I'll delete all the IRA stuff and start again. Thanks!

ScubaHogg

Not clear at all if the OP is wanting an "anti-fragile" portfolio or something more like a "robust" portfolio (in Taleb's world). What is clear is that many folks on this thread haven't read their Nassim Taleb at all but feel the need to comment. That being said, if you are want...

ScubaHogg

I searched and searched but I couldn't find an answer to this specific question. Sorry if it's been answered before. For the first time I made a non-deductible tIRA contribution and immediately converted it to a Roth for both myself and my wife for tax year 2020. Details: - non-deductible contributi...

ScubaHogg

dcabler wrote: ↑Tue Mar 16, 2021 11:33 am [
From Princess Bride: "That word does not mean what you think it means".

ScubaHogg

Not clear at all if the OP is wanting an "anti-fragile" portfolio or something more like a "robust" portfolio (in Taleb's world). What is clear is that many folks on this thread haven't read their Nassim Taleb at all but feel the need to comment. That being said, if you are wanti...

ScubaHogg

For one thing, I doubt the Fed would allow the money supply to crash like it did in the early 30s

ScubaHogg

I would think a VPN should take care of this problem for you. ExpressVPN and Private Internet Access are two popular ones. Combined with “HTTPS Everywhere” I wouldn’t worry about public wifis for one more second A VPN adds literally no security in this scenario. Would it hurt? Yes. You have no more...

ScubaHogg

000 wrote: ↑Fri Feb 12, 2021 2:33 am Run, don't walk, away.

+1000

ScubaHogg

HawkeyePierce wrote: ↑Sat Feb 06, 2021 3:08 pm
ScubaHogg wrote: ↑Sat Feb 06, 2021 3:03 pm I would think a VPN should take care of this problem for you. ExpressVPN and Private Internet Access are two popular ones. Combined with “HTTPS Everywhere” I wouldn’t worry about public wifis for one more second
A VPN adds literally no security in this scenario.

Would it hurt?

ScubaHogg

I would think a VPN should take care of this problem for you. ExpressVPN and Private Internet Access are two popular ones. Combined with “HTTPS Everywhere” I wouldn’t worry about public wifis for one more second

ScubaHogg

Flexibility and Adaptability

Given your profile pic I’m gonna guess you’ve heard that particular phrasing before

ScubaHogg

This is a good thread. It seems to me that insanely low interest rates might make it worthwhile for people to reconsider the conventional wisdom of mortgages in retirement. I would love to see you do this analysis again, but this time with a 30-year fixed Interest-only mortgage. I imagine it will ma...

ScubaHogg

If you want to learn how options work you could always just buy a finance textbook and starting going through the problems chapter by chapter That would be the root of my question... I was not a finance major, but the term "finance textbook" seems very vague. Do you have a recommendation?...

ScubaHogg

If you want to learn how options work you could always just buy a finance textbook and starting going through the problems chapter by chapter

ScubaHogg

Happy birthday Taylor!

ScubaHogg

WS1 wrote: ↑Fri Jan 22, 2021 10:07 pm Arkansas/Missouri border is interesting.

Buffalo River

+1.

ScubaHogg

On Nisiprius's recommendation (I think), I read The Great Depression: A Diary . Definitely recommend. I had two main takeaways. 1) The author accurately saw a lot of opportunities in the low equity prices, but never had any cash to take advantage of those opportunities 2) Despite the wide-spread def...

ScubaHogg

I'd recommend 1Password if you want the most spouse friendly one that is really easy to share vaults/passwords. And you don't mind paying for one. +1 +1. Only one I’ve used so I can’t compare, but we’ve had it for 7 years and it’s very very easy. Plus it’s the only way I can get my spouse to not us...

ScubaHogg

burritoLover wrote: ↑Thu Jan 14, 2021 11:51 pm Nothing - the next 10 years are probably going to be the worst period to invest in history.

Worse than Russia in the 1910s?

Worse than China in the 1940s?

Worse than the US in the 1930s?

Heck, I’d be surprised if it was even worse than the US in the 1970s

ScubaHogg

These quotes immediately before the start of the biggest bull market in history are great Says Alan B. Coleman, dean of Southern Methodist University’s business school: “We have entered a new financial age. The old rules no longer apply.” Today, the old attitude of buying solid stocks as a cornersto...

ScubaHogg

SDS seems to me another argument for leveraging when young to spread your market “dollar-years” more evenly across your accumulating years SDS relates to asset class diversification, but you're referring to time diversification. I'm not sure if there is a good metric for that. Yes, I am referring t...

ScubaHogg

SDS seems to me another argument for leveraging when young to spread your market “dollar-years” more evenly across your accumulating years SDS relates to asset class diversification, but you're referring to time diversification. I'm not sure if there is a good metric for that. Yes, I am referring t...

ScubaHogg

SDS seems to me another argument for leveraging when young to spread your market “dollar-years” more evenly across your accumulating years SDS relates to asset class diversification, but you're referring to time diversification. I'm not sure if there is a good metric for that. Yes, I am referring t...

ScubaHogg

lucky_tech_guy wrote: ↑Wed Jan 13, 2021 11:58 am Bank of America. I can send contact info if you want, he was great to deal with.

ScubaHogg wrote: ↑Wed Jan 13, 2021 11:53 am
lucky_tech_guy wrote: ↑Thu Jan 07, 2021 1:05 pm I already did.
Mind saying which bank?

Yes please. Thank you. Feel free to PM

ScubaHogg

lucky_tech_guy wrote: ↑Thu Jan 07, 2021 1:05 pm I already did.

Mind saying which bank?

ScubaHogg

It’s odd. I don’t VA but I’ve read the book multiple times. My takeaway was the main point of it was to get you to a certain $ number with the minimal amount of risk, NOT to maximize your average portfolio return. In that case being 70/30 and not 90/10 is a feature, not a bug. You seem to have been ...

ScubaHogg

Might be better stuff, but ExcelJet has all sorts of tutorials

https://exceljet.net/

ScubaHogg

SDS seems to me another argument for leveraging when young to spread your market “dollar-years” more evenly across your accumulating years

ScubaHogg

I’m curious why so many people replying think the GC is “doing a good job”? What in the OPs post gives you that impression? If six months was an unrealistic timeframe (excepting Covid), why did he agree to it? Also, it doesn’t sound like the house is done. Is it close? From the OPs write ups it sou...

ScubaHogg

I’m curious why so many people replying think the GC is “doing a good job”? What in the OPs post gives you that impression? If six months was an unrealistic timeframe (excepting Covid), why did he agree to it? Also, it doesn’t sound like the house is done. Is it close? From the OPs write ups it soun...

ScubaHogg

Abe, do you collect and manage escrow for your loans? If not, how do you ensure the owners keep insurance and stay current on property taxes? Thanks

ScubaHogg

1. I hold the US market index, which already holds REITs in proportion to their market cap. Is this true? I thought if memory serves me correctly that REITS were underrepresented in public markets? IIRC Rick Ferri once said real estate makes up approx 13% of the economy but only like 3% of public i...

ScubaHogg

There is a billion item project out of harvard that tracks the cost of a "billion" items. That's as real as it gets. Even that didn't show much inflation. https://www.bnnbloomberg.ca/in-the-lockdown-economy-old-measures-of-inflation-get-it-wrong-1.1439948 Virtually every broad measure of ...

ScubaHogg

CPI notwithstanding, I think that a "real" inflation rate is a personal number, as this little sidebar illustrates. CPI can be useful for planning long-term, but the sectors of the economy that affect me and my budget the most in the short-term may or may not be the same as the ones that ...

ScubaHogg

Additionally, at least with 1Password, you can store other information or documents in a secure, but easily retrievable, location. For instance your drivers license number or passport number. I also keep scanned copies of those docs. Could come in handy if you are overseas and lose your passport. An...

ScubaHogg

Whichever they prefer (probably snowboarding). A 12 year old will learn either at remarkable speed.

ScubaHogg

LL Bean Wicked Good Moccasins Especially when we were living in the Puget Sound area, anytime I was indoors without my shoes on my feet were freezing, no matter what socks I put on. These things were a life saver. I wear them daily and I’m on my 3rd pair. I even have a pair just for hotel rooms whil...

ScubaHogg

A 20 Bitcoin pizza dinner when Bitcoin was first accepted at a local pizza place and exchanging fir $1 per Bitcoin. Bought Bitcoin in real-time because it was a flat fee without sales tax. 20 Bitcoin large pizza 2 toppings ( pepperoni and onion) and salads. Ouch That’s a $460,000 pizza at today’s p...

ScubaHogg

Tenn and Texas are large places with lots of different “cultures”, or feels if you will. I wouldn’t write them off wholesale. Memphis, Knoxville and Nashville are all different places. As are Houston, Austin and Amarillo.

ScubaHogg

Hyperinflation will likely be coupled with economic and societal collapse in your country so I would not trust real estate, GLD, TIPs etc to hold their value. Why? We’ve seen very high inflation / hyper inflation in countries without a “societal collapse.” It was certainly painful to be in Weimar G...

ScubaHogg

Hyperinflation will likely be coupled with economic and societal collapse in your country so I would not trust real estate, GLD, TIPs etc to hold their value. Why? We’ve seen very high inflation / hyper inflation in countries without a “societal collapse.” It was certainly painful to be in Weimar G...

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