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windaar

What crash?

windaar

Look into a portable like a Pinguino. About $600 and you just need holes for the vent ducts which you could cut in the garage door. Go to Amazon and you can see in the reviews how people have used them in garages.

windaar

Thanks all for the responses. I was really unaware that virtually limitless gift-giving can happen.

windaar

You should speak with an estate attorney (and maybe a CPA/tax planner) to figure out the best plan here. Thank you. As mentioned in my OP, this is my plan after getting informed. As far as the dozens/hundreds of previous threads/info on gifting and elsewhere, I have been unable, after searching, to...

windaar

No. Gift recipients don't pay taxes, they just go against the lifetime exclusion for the gift giver. Is this the case? I thought that the most that someone could gift another would be 15K per year. I have never understood gift tax law with the small limits but then the "lifetime exclusion"...

windaar

Yes, it would be a gift but that shouldn’t be a problem. Any other arrangement is overly complicated and presents too many risks. Thank you for the reply. If reported as ordinary income wouldn't such a "gift" have significant tax consequences at my top margin? That's something we would al...

windaar

Plan is to go 1/2 and 1/2 into a vacation home with spouse's parent, splitting cash purchase or large down payment. Spouse is only child and will inherit entire estate. I will eventually contact my attorney but trying to do some advance thinking. For simplicity parent would rather have the place not...

windaar

Find some go-to thrift stores in your area. They love getting better stuff donated than what they usually get. In the summer I make a run every couple of weeks. This benefits the organization who gets money from sales and needy people who are buying things that they need inexpensively.

windaar

I had TIAA TREA in a "set & forget" plan until I realized their gargantuan ER fees.

windaar

Have been a happy member for almost 20 years. Always satisfied with their service. Peace of mind for not much $$ per year to know that I and family members have a quick and easy solution to any road problems.

windaar

You can sell directly to a reputable company like tourneau.com. Tourneau will give you a free quote. Do not buy boxes/papers on eBay, they will be fake and will then cast doubts on the authenticity of the watch as well. I have sold a less expensive watch on eBay before with success, but would avoid ...

windaar

https://www.bogleheads.org/wiki/Boglehe ... philosophy

windaar

Photo of card on my phone. Original stays at home. Also was e-mailed official letter from county for each shot so have hard copy and retrievable copy from any device.

windaar

Doesn’t matter what it feels like. You make your plan then stick with your plan.

windaar

I’ve generally seen my AA as a way to keep from panic selling more than as a formula for optimum growth. With realistic risk tolerance I didn’t flinch last March.

windaar

Reading “The Millionaire Next Door.” Then learning about Bogle philosophy and putting it into action, about 20 years ago. By choosing an AA based on risk tolerance I wasn’t tempted to sell in 2008 or last March. I don’t tinker. I rebalance on my birthday. I ignore the noise. And by investing conside...

windaar

Where does it say you have to follow Boglehead principles to post here? Sure would be nice if people would stop thinking that and agree that some people just want to talk about general investing. Anyone can post, and anyone can respond. This is a Bogleheads forum, not a Jim Cramer forum. Posters as...

windaar

Can of refried beans and a jar of salsa, put side-by side in a bowl, use as dip for tortilla chips. A can or jar of queso cheese dip and jar of jalapenos makes it even better. No heat nachos; fun and filling.

windaar

I have grad degrees but I can't understand blockchain cryptocurrency. I have researched it extensively. I have asked younger people to put it in plain words, but I just can't understand what it is or how it works. So I'm going to stay away. I never understood derivatives either and I stayed away fro...

windaar

It was obvious to everyone that it was an unreal bubble with valuation completely out of whack with revenue. The Onion ran a piece in 2000 mentioning that theblairwitchproject.com was going to acquire General Motors with "pretend internet money." https://www.theonion.com/aol-acquires-time-...

windaar

First Man: The Life of Neil A. Armstrong by James R. Hansen

windaar

I am happy with Vanguard's products and low expense ratios.

windaar

There are many forums to learn and talk about 'stock trading' and I wouldn't expect a ton of 'buy and hold mutual fund' threads there as the forum is about 'stock trading', so it would make little sense. The converse is equally as true here where the premise is about buy and hold and CAGR. In simpl...

windaar

No one can consistently time successfully. They can get lucky, yes. Just like at the roulette wheel in Vegas. But think about it: If anyone COULD consistently time successfully then they would soon have all of the money in the world.

windaar

It is a great set-and-forget and some do this their whole life. In the old days of TIAA-CREF a lot of professors followed the conventional wisdom of 50% CREF stock and 50% TIAA-Traditional. They did well.

windaar

It has lost its way and I have wondered how it has become a place that is too often NOT "Investing Advice Inspired by Jack Bogle." I don't understand why market timing posts are not immediately taken down just as medical and political posts are. They have nothing to do with the investing p...

windaar

I have twice bought a classic car. One I had for about 5 years then sold it for the same amount that it cost me. The other I had for 10 years and then sold it for the same amount that it cost me. These were both drivers. I have heard similar experiences from my friends. Some cars reach a kind of val...

windaar

What you have is what coin collectors poetically call "junk silver." It is worth the silver spot price. Coin guides give the price that you might pay to buy a certain coin, not what a dealer would pay you. Merc dimes have a litle less than 1/10 oz of silver. Old silver coins are cool for t...

windaar

"Gorilla Tape" is as good as it gets for duct tape.

windaar

10 KW Generac, runs off natural gas. Powers 12 essential circuits. Has worked great for 15 years, once ran for 6 straight days. The Tech says it still has many more years to go.

windaar

I only give financial advice to friends and family when asked. They never ask.

windaar

It seems that such fraud happens more often with high-demand mainstream consumer goods (like electronics) but not with collectibles, where you have a smaller and more interested, perhaps more genuine bidders. As was mentioned above, you can cancel any bid that you want to. I have cancelled bids from...

windaar

Fastmail is secure, affordable, easy to use.

windaar

Dead Man Walking wrote: ↑Mon Jan 04, 2021 11:35 pm Bogle’s double negative drives me crazy, but he was right.

DMW

Bogle didn't make up the statement, as he tells the story he learned "nobody knows nothing" from a runner named Raymond at a brokerage firm he worked at when he was young.

https://www.youtube.com/watch?v=fLCfkmaqI6k

windaar

(Not a multi millionaire) I tried a lawn service about 20 years and they did a terrible job - Went as fast as they could, did damage to the lawn, came every week (and charged) whether the lawn needed it or not. I enjoy mowing the lawn, good exercise, relaxing. And I can see what needs attention - th...

windaar

I gradually decreased equities as I got older and am now at an allocation too conservative for many, but it kept me from losing sleep or selling last March.

windaar

You need an asset allocation that will keep you from unwise movements when things on the nightly news panic you.

windaar

I do not store gold. But a safe seems too obvious. An empty paint can on the shelf with 10 other paint cans would not be. But the eventual executor of your will would need to know that there are secret instructions kept somewhere that would alert them of that paint can before it gets thrown out!

windaar

Emmet Otter's Jug-Band Christmas

windaar

Do I want to sell my house and move, with all that is entailed, "yes" or "no." If "yes," put on market and take highest offer. If "no," stay put. Your neighbor only has their interests in mind. I had a similar offer from a realtor neighbor 2 decades ago. It wa...

windaar

placeholder wrote: ↑Mon Dec 14, 2020 7:52 pmconstantly panic selling and getting back in after a big run-up is a bad investment strategy.

Well said, it is in fact consistently the folly of buying high and selling low.

windaar

I know lots of teachers. Everyone appreciates a $25 Target card, no need for anything more expensive. They really won't appreciate candy, cookies, or anything food because they get more of that than they can eat.

windaar

If you're adventurous, step to the other side and try Armagnac. I spent 2 years in France and the families and friends I knew never drank Cognac, they drank Armagnac, some very very old.

windaar

Best Buy are snakes, I would not trust them. A few years ago we bought a TV from them, and it took a couple of weeks to get the electrician to install the hookups for the wall. The TV had a damaged screen with no impact point. Best Buy refused to take a return or replacement because it went past the...

windaar

I have used fountain pens my entire life. My daily pens are from the Waterman Phileas line with a medium nib, using ink cartridges. To me these write the best and feel great in your hand. And they are not super expensive.

windaar

Yes, Lump makes most sense most of the time. But jump in at DJ 30,000 and in a month it's 23,000 and you don't sleep at all. And Murphy's Law applies. I'd DCA just for mental health.

windaar

Of course you can do whatever you want but when you post this on a forum with the motto "Investing advice inspired by Jack Bogle" you probably aren't going to find a lot of support!

windaar

If you're 100% in stocks and stocks fall 50% you'll see your portfolio decline by 50%. You ok with that?If you're 50% in stocks and stocks fall 50% you might see your portfolio decline by half as much, 25%. You feel better about that?And so on. Yes! Last March I saw poster after poster capitulating...

windaar

As a kid I was very interested in fossils and found many in gravel at the playground and parking lot islands, or just hunting in local fields. That was lots of fun. Mostly found brachiopods, crinoid stems, other sea fossils, no dinosaur stuff. My parents took me to lapidary stores for a few treats. ...

windaar

Many dismiss it but I've just done "age in bonds/fixed." That has kept me within being able to tolerate a potential 50% loss in equity in a crash without losing sleep or selling low. It has also allowed me to not think about it or tinker based on events. It has served me very well.

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