Search found 1143 matches

by TallBoy29er
Wed May 12, 2021 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How did you figure out what to Retire TO?
Replies: 51
Views: 3215

Re: How did you figure out what to Retire TO?

I made a list of everything I would do if time and money weren't constraints. I had about 2 dozens things on the list (water colors, learn to play the saxophone, take bike tours, etc). I started going through them. Some stuck. Some didn't. That's helpful. List a lot of ideas, see what works. Bike t...
by TallBoy29er
Wed May 12, 2021 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How did you figure out what to Retire TO?
Replies: 51
Views: 3215

Re: How did you figure out what to Retire TO?

I was under the impression you didnt have to do anything after you retired. Fair point. As long as you enjoy life :sharebeer I have read a number of posts that talk about having a plan on how to spend your time upon retiring. I think I personally will need this, as I could see myself aimless withou...
by TallBoy29er
Wed May 12, 2021 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How did you figure out what to Retire TO?
Replies: 51
Views: 3215

How did you figure out what to Retire TO?

When it comes to retirement, a number of wise contributors on this forum have driven into my head that it is important to RETIRE TO something, not just retire from a job (God willing I get the choice and it is not made for me). I am interested in how you found your "TO": Are there any reso...
by TallBoy29er
Wed May 12, 2021 9:42 am
Forum: Personal Consumer Issues
Topic: Bed frame with legs/base that do NOT extend beyond mattress
Replies: 8
Views: 656

Re: Bed frame with legs that do NOT extend beyond mattress

I just went through the same thing. We bought the Grove bedframe from Room & Board. It is low profile, low headboard. We love it (not using a box spring either).
by TallBoy29er
Mon Apr 26, 2021 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for and paying for a $5m house
Replies: 68
Views: 8663

Re: Saving for and paying for a $5m house

59Gibson wrote: Mon Apr 26, 2021 4:06 pm Your current rent(5k/mo on a $2million house) That is total thieving . I'd keep that for as long as possible
This is what I was thinking as well. It feels like you have the rental deal of the century. Milk that thing til it's dry.
by TallBoy29er
Fri Apr 23, 2021 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling townhouse - to stage or not?
Replies: 51
Views: 4069

Re: Selling townhouse - to stage or not?

I think that, as a generalization, people are not good at visualizing what rooms will look if there is no furniture in them. I reluctantly paid for staging (about $2k) of the house we sold 6 months ago, and I ended up being pleased with the results. I do not know if we would have ended up with the m...
by TallBoy29er
Sat Apr 17, 2021 12:43 pm
Forum: Personal Consumer Issues
Topic: Protective Coating on New Subaru?
Replies: 18
Views: 1534

Re: Protective Coating on New Subaru?

This sums up what I think of TruCoat, er, I mean Clear Coat (Clip from the movie Fargo):
Fargo TruCoat. :o
by TallBoy29er
Sat Apr 17, 2021 12:38 pm
Forum: Personal Consumer Issues
Topic: Another Tire Question
Replies: 13
Views: 871

Re: Another Tire Question

suggest that you compare specs on Tire Rack. This. Tire Rack will perform their own reviews and comparisons across different tires in a certain subsection, eg all season. I did a quick search on 2013 Camry's (I didn't know which trim/engine, so had to guess at tire size, and used 205/65 16's). View...
by TallBoy29er
Thu Apr 15, 2021 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Another home insurance rant - do you really give them all that info?
Replies: 13
Views: 1304

Re: Another home insurance rant - do you really give them all that info?

I just received three separate quotes for homeowners (and auto and umbrella and renters) insurance. Two from independent agents, and one from Amica directly. NONE of them requested SS#. No way I would provide that. All did require birthday. I was fine, as that seems standard.
by TallBoy29er
Tue Apr 13, 2021 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 40
Views: 3655

Re: Selling a Time Share

Read the timeshare contract. My wife's had a surrender / deed back provision. I consider us lucky in that we could deed it back to Wyndham and be done with it. I keep reading about being saddled with a timeshare for life, with no way out, etc. (or so it often seems). What is the language in such a ...
by TallBoy29er
Tue Apr 13, 2021 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Time Share
Replies: 40
Views: 3655

Re: Selling a Time Share

Read the timeshare contract. My wife's had a surrender / deed back provision. I consider us lucky in that we could deed it back to Wyndham and be done with it.
by TallBoy29er
Wed Apr 07, 2021 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: HOA rules - limit number of rentals?
Replies: 39
Views: 3224

Re: HOA rules - limit number of rentals?

I looked at a place a while back that had approx 26 units total (townhomes). As I recall, they only permitted 4 of them at a time to be long-term rentals. It's not uncommon, and I get and respect the notion that it represents. That said, I'm not a fan of HOA's and people telling me what I can do wit...
by TallBoy29er
Wed Apr 07, 2021 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3757

Re: Anyways to improve financial aid?

Go for merit aid instead. Make sure your student gets perfect SAT scores and get a 4 or 5 on 15 or more AP exams. Also make sure they have a job in high school. Anybody who can juggle a jobs and do great academically does not really need extracurriculars like sports, music, chess, and rowing. Yes, ...
by TallBoy29er
Mon Apr 05, 2021 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy for having a high deductible?
Replies: 18
Views: 1958

Re: Am I crazy for having a high deductible?

I opt for the highest deductible possible as well. I think it is a sound decision.

As a side note, it seems that you should be expecting to repair a 25 year old roof. The hail/wind may have sped up the process a bit, but it was coming sooner rather than later.
by TallBoy29er
Tue Mar 30, 2021 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: New Home Purchase Advice Needed
Replies: 13
Views: 1321

Re: New Home Purchase Advice Needed

Voice of dissenting opinion: House of $2M. Taxable savings $2.3M, $.7M in retirement accounts. 13-20 years left of working ideally (guess based on "mid to late 30's"). You could do this today, and not be house poor. You will set back your savings, of course. But if that is the argument aga...
by TallBoy29er
Tue Mar 23, 2021 4:46 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5435

Re: Baylor, Auburn or ‘Bama?

You have three reputable schools to choose from. If nothing else, understand that you cannot make a bad decision here. There are many (many, many) examples of successful business women and men that have done well from all of three of these universities.
by TallBoy29er
Thu Mar 18, 2021 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with an auto accident where my vehicle was struck
Replies: 31
Views: 2588

Re: Not sure what to do with an auto accident where my vehicle was struck

Even though the damage is not that great, I'm probably going to sell the vehicle after this. I don't like driving cars that have had accidents and certainly not one that has a mark on the CarFax. That's funny. Having a mark on the CarFax means you already have a paper loss to the car's value. In se...
by TallBoy29er
Thu Mar 18, 2021 12:50 pm
Forum: Investing - Theory, News & General
Topic: Turning Up the Risk While Young
Replies: 23
Views: 1176

Re: Turning Up the Risk While Young

When I was younger, around your age, I found myself thinking too much about losing money, with not enough focus on growing money.

If I could go back and talk to younger me, I would tell him to invest in all equities, ignore the noise, and come back in 15 years and take a look at what has happened.
by TallBoy29er
Thu Mar 18, 2021 12:31 pm
Forum: Personal Consumer Issues
Topic: Selling a new construction home - should I plant a yard
Replies: 24
Views: 1321

Re: Selling a new construction home - should I plant a yard

"burning tires." That was funny. How much are you thinking of listing the house for? I personally think that 'curb appeal' is a thing, and that people can more easily visualize themselves in homes that look somewhat finished. I would invest in it if, relative to the house value, the cost w...
by TallBoy29er
Wed Mar 17, 2021 9:17 pm
Forum: Personal Investments
Topic: TDF
Replies: 22
Views: 1487

Re: TDF

Was thinking this was about the Tour de France. Oh well.
by TallBoy29er
Wed Mar 17, 2021 9:13 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 24843

Re: A Bottle of Champaign!

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...
by TallBoy29er
Wed Mar 17, 2021 9:06 pm
Forum: Personal Investments
Topic: 457b Choices
Replies: 21
Views: 1447

Re: 457b Choices

I was hopeful this thread was about the Tour de France. Oh well.
by TallBoy29er
Wed Mar 17, 2021 2:32 pm
Forum: Personal Investments
Topic: 5-7 years from retirement, not enough saved - what should I do with this $30K fund?
Replies: 17
Views: 1435

Re: 5-7 years from retirement, not enough saved - what should I do with this $30K fund?

I think that if you provide your expenses, per climber2020's ask, we could help you more. You ultimately need to understand how much you need live off of, then take a look at your assets and see if they can generate the income you need. If the answer is "no", you need to re-assess either h...
by TallBoy29er
Tue Mar 16, 2021 6:44 pm
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8693

Re: We sold our business. Help us invest the windfall

Congrats on the sale of the business. You have done quite well! Out of everything I read, what stuck with me was capping your kids college contributions at $15k/yr (while you live off of $300k...). You have an opportunity to start them off in a wonderful place. I praise my parents for doing this for...
by TallBoy29er
Mon Mar 15, 2021 3:11 pm
Forum: Personal Consumer Issues
Topic: Preparing for a Winter Trip
Replies: 6
Views: 536

Re: Preparing for a Winter Trip

Good synopsis above. Re the SUV, if it is not 4WD, or if it does not have dedicated snow tires, then it really gains you no great advantage for snow driving, in my opinion. Do you have to drive on any roads or over any passes that require chains during certain times (inclement weather)? Edited to ad...
by TallBoy29er
Sun Mar 14, 2021 10:40 am
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 53
Views: 4793

Re: Best fencing for a dog

This looks kind of intriguing. An invisible fence, but no wires to bury.

Halo collars
by TallBoy29er
Sun Mar 14, 2021 10:32 am
Forum: Personal Investments
Topic: What to do with $42k bonus?
Replies: 36
Views: 4502

Re: What to do with $42k bonus?

Congrats on the sweet bonus. Option 2 is market timing, and option 4 is stock picking. You already know how both of those will fly on this forum. The way I'm wound, if I were making $200k+ / yr, I would kill of my debt as quickly as possible. Guaranteed return, cash flow increases, and you start the...
by TallBoy29er
Wed Mar 10, 2021 9:53 pm
Forum: Personal Consumer Issues
Topic: Luxury Mattress vs Firm w/Topper
Replies: 53
Views: 3578

Re: Luxury Mattress vs Firm w/Topper

I'll repeat, you are a good person, a great brother. I hated to spend the money as well, but we dropped $2k into a latex mattress from SleepEZ (found them by reading mattress underground) . It's a Cal King, split. The split let us each config our own side (3 layers), and it is also much easier to li...
by TallBoy29er
Mon Mar 08, 2021 12:56 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2546

Re: Peloton purchase inquiry

We placed our order in September. We received it 3 weeks ago. The whole experience was frustrating to say the Least. Where we live, Peloton was using XPO Logistics to do 3rd party delivery. All "schedule your delivery" emails we received along the way said to call XPO, who would tell us th...
by TallBoy29er
Sat Mar 06, 2021 8:32 pm
Forum: Investing - Theory, News & General
Topic: Mineral / oil rights
Replies: 4
Views: 609

Re: Mineral / oil rights

Could become a pain. However, that 51%, assuming you have full control, could make it much less so. And for what looks to be a passive income stream, it may be worth the "pain". You are on track w/ retaining a lawyer versed in mineral/petroleum rights. I would suggest one that is in Wyomin...
by TallBoy29er
Tue Mar 02, 2021 4:53 pm
Forum: Personal Investments
Topic: Old Guy Needs Suggestions
Replies: 12
Views: 1812

Re: Old Guy Needs Suggestions

Welcome to the forum! You've come to the right place for your questions. Take your time to reply, and learn, and you will receive solid advice. I'll reiterate what others have said...please amend your initial post to be in the format suggested above. Also provide your expenses, your other income str...
by TallBoy29er
Fri Feb 26, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: Solar...what am I missing?
Replies: 109
Views: 8355

Re: Solar...what am I missing?

It’s a bit like TV screen size; bigger is better :D . The previous owner was probably happy, but we have replaced an oil burner that heated house and water with geothermal (electric), added an EV, replaced propane cooktop with induction, added an electric sauna that I use frequently, propane clothe...
by TallBoy29er
Fri Feb 26, 2021 9:55 am
Forum: Personal Investments
Topic: Dream garage/workshop, or college savings?
Replies: 43
Views: 3511

Re: Dream garage/workshop, or college savings?

I'm salivating. I have been thinking of doing the same as I look at pieces of land we may buy. We live in a cold part of the US, and get lotsa snow. A few things to consider when you build it: I have never been in a garage that I thought was too big. depth - think, may you want a second fridge or fr...
by TallBoy29er
Fri Feb 26, 2021 9:44 am
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 165
Views: 20421

Re: Any experience with Toyota Income Driver Notes?

Bumping this thread to gather more input. I’ve signed up for a new account with a nominal amount of funding to see how it goes. Process is smooth so far. My first nominal funding has gone in. Balance showed up as expected online. Also got a letter in the mail with my full “note number” (not visible...
by TallBoy29er
Thu Feb 25, 2021 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse leaving company I also work for – how to handle?
Replies: 32
Views: 3916

Re: Spouse leaving company I also work for – how to handle?

Oh how this hits close to home. We are in a very similar employment situation, and we are also going through our own changes right now, so have had to play through a similar scenario. I like to be up front and transparent about where I am headed, and my intentions. When/if I leave, I want a simple s...
by TallBoy29er
Thu Feb 25, 2021 9:24 pm
Forum: Personal Investments
Topic: Porfolio review for 53 yr old couple please
Replies: 9
Views: 1614

Re: Porfolio review for 53 yr old couple please

I am but a peon amongst giants on this forum. But hey, you gotta start somewhere. 1. Combining accounts: Him: you could rollover your 401k into your IRA. That said, know that 401k's have federal creditor protection. IRA protection will vary by state. If you have advantageous options in your 401k (it...
by TallBoy29er
Thu Feb 25, 2021 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Going into business with family
Replies: 113
Views: 5965

Re: Going into business with family

Of course there are questions to be answered, but I wouldn't automatically say "no". It depends on the business and it depends on the family. One of my best friends has a brother with a livestock hauling business. Back in the 1980s, he was delivering some dairy cattle to a farm in Iowa. T...
by TallBoy29er
Wed Feb 24, 2021 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Stepping back in career when wife is doing well?
Replies: 58
Views: 5597

Re: Stepping back in career when wife is doing well?

My wife and I are working with tech companies, in a mid-management role and we had total compensation of around $1.3m+ in 2020 ($550K for me and $750K+ for my spouse due to stock appreciation). Our household comp has been above $1m for the last two years and is expected to continue for the next 2-3...
by TallBoy29er
Wed Feb 24, 2021 4:00 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5972

Re: What is the deal with "DW"?

Clearly these are not terms associated with Bogleheads, unless we have a secret agent amongst us creating Wikipedia posts. I think Stinky may have nailed it, intentionally or not, in implying that you can tell a legit forum member who has gone through the initiation ceremony. :D From the Wikipedia a...
by TallBoy29er
Tue Feb 23, 2021 2:53 pm
Forum: Investing - Theory, News & General
Topic: DCA: "It's dumb but maybe entirely rational"
Replies: 19
Views: 2095

Re: DCA: "It's dumb but maybe entirely rational"

For instance, if you were handed the all-equity portfolio you actually ultimately wanted, instead of being handed cash, you would not sell it just to average back in, would you? This statement made me stop and think. Investor inertia issue? https://economictimes.indiatimes.com/wealth/invest/what-is...
by TallBoy29er
Tue Feb 23, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Asking for specific car rental model
Replies: 28
Views: 1585

Re: Asking for specific car rental model

Does this make anyone else think of the Seinfeld episode about taking, and keeping, a reservation. Whatever car Op gets, they should buy the insurance..... 🤣

https://www.youtube.com/watch?v=4T2GmGSNvaM
by TallBoy29er
Fri Feb 19, 2021 9:13 pm
Forum: Investing - Theory, News & General
Topic: The Joy of Being a Boglehead
Replies: 25
Views: 3530

Re: The Joy of Being a Boglehead

Taylor,
You responded to my first post on Bogleheads almost 8 years ago. I consider it an honor. I appreciate you, and what you have contributed to me and my family's success.
by TallBoy29er
Fri Feb 19, 2021 2:11 pm
Forum: Personal Consumer Issues
Topic: Sell car now?
Replies: 5
Views: 633

Re: Sell car now?

I would definitely sell. I'm wound in such a way that everytime I got in that thing, I'd be wondering if today was the day. So much easier to deal with now than if that were to happen.
by TallBoy29er
Fri Feb 19, 2021 2:04 pm
Forum: Personal Investments
Topic: $100+k per year into 401k? Really?!
Replies: 7
Views: 3333

Re: $100+k per year into 401k? Really?!

I don’t think it is necessarily after-tax money. My yearly $56k 401k is all pre-tax. Your contributions as an employee for tax deferred (or Roth, which is after tax) are capped at $19.5k. The only way the $56k (the limits are, not including catch-up contributions, $57k for 2020, $58k for 2021) you ...
by TallBoy29er
Fri Feb 19, 2021 9:38 am
Forum: Personal Investments
Topic: $100+k per year into 401k? Really?!
Replies: 7
Views: 3333

Re: $100+k per year into 401k? Really?!

I don’t think it is necessarily after-tax money. My yearly $56k 401k is all pre-tax. Your contributions as an employee for tax deferred (or Roth, which is after tax) are capped at $19.5k. The only way the $56k (the limits are, not including catch-up contributions, $57k for 2020, $58k for 2021) you ...
by TallBoy29er
Fri Feb 19, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: Urgently Need Help! How do I wire large sum of money from Chase
Replies: 15
Views: 1842

Re: Urgently Need Help! How do I wire large sum of money from Chase

I would call Chase asap. It does not help you, but my experience with Bank of America was positive. If you have the proper account controls setup (eg MFA), they will wire up to $500k when you use their online portal.
by TallBoy29er
Wed Feb 17, 2021 11:34 pm
Forum: Personal Investments
Topic: Want to transition to CoastFire- am I ready?
Replies: 10
Views: 2731

Re: Want to transition to CoastFire- am I ready?

I didn't see any financial info on your 2 rentals. Are they paid off, or do you have mortgages to service.