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sunny_socal wrote: ↑Sat Apr 17, 2021 6:23 amYou have a $2000 car? There should be a long line of Bogleheads ready to wring out another 10 years from that vehicle

Count me in, but if he's in a state without Carmax, it's not near me. OP, are you near North Dakoda? https://www.carmax.com/stores

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Also sold an old car to CarMax. I thought they made a terrible offer of $9k (!!) for a used 2007 Suzuki SX4 (this was in 2014). Suzuki had just announced they were going to stop selling cars in the US and apparently CarMax's pricing model was based on the latest auction results. Maybe supply was li...

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What does kbb say? They provide trade-in, private party and retail estimates that are pretty good. The retail often match up to the Carmax/Caravana asking. The $200 is go away money. They don't want your car. They'd probably have to pay $1000 to transport it, and it's far too old for them to sell it...

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What manufacturer and lender are your leases? Have leased from Honda, Infiniti and BMW. Almost always have used the manufacturer's finance company, except for the very first lease, which was from an independent lender. As you alluded to, that was a mistake for many reasons. The car was a BMW which ...

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All other things being equal, the lease acquisition fees, lease disposal fees or lease payoff fees are all extra and a discouragement to leasing. I have leased many vehicles and have rarely had to pay the lease disposal fee. One time I did buy a car out at the end of the lease, and in that case, th...

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Nobody would recommend such an approach One would diversify If your going to say that then there is also a chance the insurance company goes under and that’s way above the state safety net programs Besides you already seem to know the odds are high that investing performs superior WL is a bad sugge...

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The tax free is not that meaningful Taxable also gets a step up in basis Neither is free from estate taxes if they apply Not if the taxable has losses! (Sorry kids, said the Enron and Lehman CEOs) And good question about the estate taxes and life insurance, not that it's a common situation. https:/...

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Maybe they don’t, I was just shocked to see the chart with 100k in 30 years (!!!). Makes the entire product category junk in my eyes”, just buy term life insurance while you are pre-FI (to the point of your “number”), have dependents and be done with it IMO. It took me a long time to understand thi...

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edit - without deferral arrangements, avoiding taxes on W2 income is difficult. My wife was in the investment business for a number of years and they were able to defer large portions of their compensation. I don't recall how they did it but she was a partner so it wasn't all W2 income. I was prett...

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Most of my income is W2 with some RSUs, 1099-DIV. I don't have any business income or any rental income. Last few years I have been using online tax prep software. This year also I entered my info into online software and my total tax liability is several hundred thousands (similar numbers as last ...

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H-Town wrote: ↑Thu Apr 15, 2021 11:55 aminterest over the life of the loan?

The current low interest rate environment (low and subsidized MF) is masking this effect. Enjoy it while it lasts.

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What you can “count on” at the end of a lease is one of these two scenarios: 1. The manufacturer underestimated the depreciation, and you ended up paying for only a portion of the car’s value that you “consumed”. You end up better off than someone who bought the car and drove it the same amount. 2....

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It's few years old, 30 months to be exact. I just asked the company and they said it's something I am given when I signed up. They were curious what I was looking for. I cannot find it if it was given to me by agent. That’s a most unhelpful response from the insurance company. I’m not impressed. Ho...

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Check was for $32k. Thanks for sharing. That's an average amount between Carmax average and recent new car averages, so it's not an unusually low or high amount meaning it might not be all that unusual alternative to credit check. I noticed another posting about getting a verbal from the bank that ...

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They said that the only way to avoid a hard-pull on my credit was to not take the car until the check cleared. To prevent fraudulent check, identity theft or if the check bounced, at least they know you have good credit. They need to protect themselves as much as you do. Many years ago, I waited fo...

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When we sold our primary residence 2 years ago, we were asked for the permits for work done 30 years ago. So yeah. And of course you said, "the lighting came with the house". I changed the all the lightbulbs in my house without a permit. So sue me. And I'd do it again! Those were quite ad...

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The oil leak is annoying but manageable. The transmission leak is a bit scary. I did not see the evidence of a leak until the transmission started slipping. I literally put in two quarts to get it up to the right level. And it was leaking quite a bit onto the ground in the days after as I watched i...

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Mad, no. I get the return distribution based on my risk taken; you get return distribution based on your risk taken. Just understand that the nature of your risk is far beyond what I will take; and history backs my statement that margin calls under that leverage is likely (even to the point where y...

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jarjarM wrote: ↑Tue Apr 13, 2021 5:08 pmSo if late Feb/early Mar happened again, then margin call happens. I'm not sure if kellykline is serious though.

Are you wearing swimming trunks?
https://www.goodreads.com/quotes/109034 ... -tide-goes

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Part of your post doesn't make sense. People are coming/going from current employer because of work environment issues on one hand. On the other hand, you can't possible find another job somewhere else? If you truly cannot find another job in the area and you don't really like the current one, and ...

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I asked them what the incorrect information was but they would not tell me. They did not ask me to provide the correct information, but they did ask me for my email address. They said they wanted to email me some information on how to manage identity theft. I didn't give them my email address. This...

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The Camry still runs really well, but it has recently started leaking oil, and more concerning, transmission fluid, at a steady rate. We'd like to replace our Camry with another smallish car (probably a Honda Civic, Accord, CRV; Toyota Corolla, Camry, or RAV4; Subaru Imprezza, Forester, Legacy, or ...

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Which LED lights are you looking at? This type of LED with J-box included. I think some of these even have quick connectors in the J-box. https://www.amazon.com/Ensenior-Ultra-Thin-Can-Killer-Downlight-Brightness/dp/B07QQ46VP3/ Yup, those are the ones I started seeing a few years back. I was amazed...

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That’s exactly why I thought I could do it. Wiring is pretty straightforward and these LED lights are extremely low power. But maybe there are some special safety guidelines that only the pros know? I personally worked on lots of electronics projects but I’ve never dealt with 120v. Lighting is rela...

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My leverage ratio is 10x right now. :D I told you, new new new bull market, unstoppable! TQQQ. taking some profits off lol, paying off the loan with profits! Wait, what? :shock: What is your margin cushion / initial margin? Must be very close to NLV? Are you including the 3X from the TQQQ and the 4...

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newbee1 wrote: ↑Mon Apr 12, 2021 2:06 pmWould you recommend selling WAY OTM CC - less premium, less likely to be assigned and less likely to miss a big rally

What's the fun or profit in that?

How do expect to keep up, let alone top the market return by 5% by giving up the upside?

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I wouldn't discount the idea completely, but TN is the lowest return right now. You're better off doing it in CO. Seriously, the company is specializing in their profit maximizing niche, and that doesn't preclude other from maximizing their special knowledge. You just have to be sure they're only ta...

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Humanities and Physical Science have significantly higher acceptance rates than average. I would use caution interpreting these figures, just like statistical significance doesn't always mean what some people think it does (i.e. practical significance). The actual number of humanities majors applyi...

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Just looked at the current PE ratios. What is CAPE predicting about future returns? How far into the future and what direction? The red line on the 1989-2010 scatterplot looks about negative 2% when CAPE is 37, correct? Current S&P 500 PE Ratio: 42.00 -0.04 (-0.09%) 1:29 PM EDT, Mon Apr 12 https...

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There is also one catch in it - if you try and maximize the loans with negative interest rates: You will pay interest rate to IB for any cash balance > 100k EUR (or any currency with negative interest rates) - the going rate at the moment is 0.885 % LOL! Pay the bank to trust them with my money and...

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She is leaning towards Finance as a minor. This seems more unusual than even the more unusual majors. Is there a common thread or is is completely peripheral? Maybe she has a future as a CFO for a medical group. https://www.bogleheads.org/forum/viewtopic.php?p=5938910#p5938910 BTW, are there school...

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https://youtu.be/k60stdDRk6s A lot of the examples would have been avoided or weren't accidents at all, like the truck that veered to the right and returned to the lane was mostly just a warning, but this one right before the 3 minute mark really saved the driver! Note what happened to the white se...

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Trying to answer this question is turning out to be a lot more work than I thought, but I finally found an online tool to help a little more. What were the top 10 performing SP500 stocks in the last 5 years ? Other than AMD, NVDA and TSLA, any ideas? Sure, I could look up each of the 500 stocks usin...

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I mean, these short box spreads do not enable you to buy more equities (rather the opposite in my case), they just make the margin loan less expensive (or in my case quite attractive 8-) ). Too attractive. It does seem too good to be true. What's the harm? Why not invest as usual, but take out thes...

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You mean lever up in stocks, or levering up that free cash for every credit? I assume the latter: The problem with it is that it is prevented by the initial margin, going up by about 20-25% of your credit sum. I tried it with SPX, there the effect on initial margin is barely noticeable. It seems li...

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There are only 3 debt situations. 1) Situations when you should not take out a loan 2) Situations when you should take out a loan 3) Situations when it doesn't matter if you take out a loan or not There Are Two Kinds of People In The World: Those Who Think There Are Two Kinds of People In The World ...

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do you have portfolio margin? this is useless without portfolio margin. Yes, I have PM (it is standard for European IB accounts, without the 100k requirement) - though I figured out that the size of the box has barely any effect on the initial margin change. I first bought a box with 3700-2400 legs...

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4. if the motley fool's are so good at picking stocks then how come their mutual funds aren't so hot? Sorry if my attempt at humor fell flat. Although there may be one, I don't see the connection between the Motley Fool Advisory Company ( https://www.fool.com/ ) and the Asset Management that runs F...

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I still don’t get the price to beat. I traveled to Europe a few years ago and got a card for use there, but was able to activate and use in US before the trip. After little use in Europe for a week, I was able to use it the rest of the 30 days in the US. It was a UK based plan, but good at all Europ...

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First, the "wholesale GPU" in that document is given as (-)$111 for 2015 and (+)$97 for 2016. It seems highly unlikely that Carvana sold cars in 2015 to individuals for on average less than they paid for them. "we lose money on every sale, but make it up in volume" While by some...

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4. if the motley fool's are so good at picking stocks then how come their mutual funds aren't so hot? Sorry if my attempt at humor fell flat. Although there may be one, I don't see the connection between the Motley Fool Advisory Company ( https://www.fool.com/ ) and the Asset Management that runs F...

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VT fine in a tax advantaged account, so you can change when needed. In a taxable account, 2 or 3 separate funds help tax management options when needed. No need to slice and dice too thin.

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Can you please provide us with several such examples of stocks to consider buying now that have at least the possibility of 10X to 30X in less than 5 years from now? I would like to track the stocks you believe are easy to pick that will possibly go up 10X to 30X in less than the next 5 years . It ...

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I have to admit I am confused by this thread. Everywhere that I've lived before, a fence is owned by whoever's property it is on. Never heard of negotiating with neighbors about replacing fences or slitting costs before. Some fences sit in the property line. Recently replaced fence that was falling...

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Compound interest does work but not as well if I have a very small % of my portfolio in AAPL. Making up numbers here but let's say 5% while the 95% is in VTSAX. I believe in Apple long term. Of course, if things If things go south, I might decide to sell. Even if AAPL double or triples in value, at...

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Tell the neighbor that wants to replace the fence that you'll split the cost when the neighbor that doesn't want to replace the fence is ready. This fairly states your position and gets the first neighbor off your back, and rechannels the first neighbor's energy to harassing the second neighbor ins...

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Here's a news update. You've been vaccinated. So what should you do with your vaccine card? APRIL 9, 2021 / 2:43 PM / MONEYWATCH https://www.cbsnews.com/news/covid-19-vaccine-record-card-2021-04-09/ Things are so confusing and changing so fast that by the time you figure out what happened, you have ...

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...continue contributing to VTSAX? How do you guys go about investing in long term low risk individual stocks? Exactly. I invest in a basket of more than 500 "low risk" individual stocks like AMZN, TSLA, and CCL. I have a tiny # of safe long term holds like AAPL. I feel as though the $ mi...

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PNCS is NOT on the sidewall. Ecoimpact is on the sidewall. So, it looks like I have regular (not run flat) tires without the noice reduction system. https://www.tirerack.com/images/techCenter/tires/environmentally_lowNoise.png Low Noise icon https://www.tirerack.com/tires/tiretech/techpage.jsp?tech...

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Ben Mathew wrote: ↑Fri Apr 09, 2021 11:01 amUniformity is pretty much unachievable, unless maybe if you pay for the whole fence so neighbors on all sides are unlikely to object.

Or you put enough pressure on the 3 neighbors by constantly messaging and emailing them.

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