Bogleheads.org

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Sandtrap wrote: ↑Sat Apr 17, 2021 2:42 pm If anyone knows what this stuff is made of, that would be good?

Wikipedia says: contains the pesticides deltamethrin and cypermethrin

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This varies a lot with location. I am located in a nice suburb of Cleveland OH with very good schools. According to Zillow, our house is worth only $5000 more than we paid for it when it was new in 2006.

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Thanks for the suggestions. I looked at Tire Rack web site. It is somewhat hard to decide because they are all very good tires. I think the tie-breaker is the Cross Climate 2 is indicated as very good in the snow. Considering the snow situation where I live (on the edge of the snow belt) it seems th...

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SrGrumpy wrote: ↑Sat Apr 17, 2021 11:04 am The next time I see sticky brown liquid leaking from something, I'll give it the taste test. Might get lucky with "the real thing."

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dbr wrote: ↑Sat Apr 17, 2021 10:15 am I don't know which of your list is all weather vs all season.

They are all designated as all season.

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I have decided to take advantage of Costco's current promotion on Michelin and BF Goodrich tires. I want to put a set of all-season tires on my 2013 Camry. I want the tires to be good in snow and on wet pavement. The car gets less than 10k miles per year. The car still has the original equipment tir...

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Even in normal times, used Hondas and Toyotas command high prices. So, I would not expect them to come down very much. IMO, it is better to buy new rather than a late model used car for those two brands.

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Well, the mystery has been solved. It turned out that there were two unrelated problems that happened at the same time. 1. The agitator belt broke. I replaced the belt and every thing is in working order. It may even last another 23 years. We even had an extra belt on hand, so the out-of-pocket cost...

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How would the cost of painting compare with replacing the siding with the desired color? I had to buy a piece of siding one time and I was surprised how inexpensive it was.

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cheese_breath wrote: ↑Thu Apr 15, 2021 5:17 pm Are you keeping this for it's antique value? Get a new one with a HEPA filter.

It has a HEPA filter. It has other nice features too, and it has worked very well. It may be time to send it to the great appliance cemetery in the sky, but that is what I am trying to determine.

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We have an upright Hoover vacuum cleaner that is about 23 years old. It is a fancy model with nice features. It has worked flawlessly until now. It has leaked about 2 oz. of a brown liquid. The liquid is a little sticky, but not oily. The motor and suction still work, but the brush no longer turns. ...

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Why would you hold bonds while also having a mortgage? +1, I don't get this logic either ? It all depends on interest rates. There was a time in the 1970's where my mortgage was 6.75% and my money market fund was yielding 18%, and CDs were about 16%. It would have been very foolish to pay it off ea...

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Consumer Reports has always rated Jeep products as having very poor reliability in the past. I have not seen recent ratings.

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If the 0% fixed I bonds will yield 3.54% doesn't that mean that the old 3.6% fixed I bonds will yield 7.14% ? That is a pretty good rate.

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We have money market account checks which we got in 2019 that show "Vanguard Prime Money Market Fund." However, I recently became concerned that checks written on the Prime Money Market Fund would no longer be honored by Vanguard even though one cleared on April 8th. I called Vanguard thi...

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If you make charitable donations, donate appreciated shares rather than cash. This escapes the CG tax. You can then invest the cash you otherwise would have donated. It is also better from a tax standpoint to have bonds in your tax deferred account and stock in taxable.

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I use Vanguard Federal MM fund in my IRA to write checks for QCD donations. QCD rules require checks to be written directly on the IRA, either by me or by Vanguard.

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We sold our home of 35 years where we raised our family. Our retirement house is much better suited for people our age. It is all on one floor where the old house had 3 levels. The new house is a cluster home. So, the HOA cuts the grass, trims the bushes, and plows the snow. So, we do not need to be...

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Perhaps there is some confusion. The Prime MM fund was converted to the Federal Cash Reserves fund. That fund has check writing. However, there was/will be an automatic conversion of this fund to Admiral shares. The Admiral Federal Cash Reserves fund does not have check writing, this causing your ol...

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Just found out about this. All my checkwriting accts are useless. Vanguard tells me I have to open new accts to get checkwriting back. Vanguard is horrible at this point. Moving my money to Fidelity. If you have a Vanguard account, all you need to do for check writing is to put money into the Feder...

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jpelder wrote: ↑Mon Apr 12, 2021 7:54 am I'm not a member, but people speak highly of Costco's prices and selection.

Here is their on-line selection: https://www.costco.com/CatalogSearch?de ... e+sapphire
There may be other items in the store near you.

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I am sure I was not the only one taking advantage of it but I am pretty sure when you factor in all things (rent/staff/food/insurance/ect) they lost money on the food I bought with a 33% discount. OTOH, some gift cards never get used or are only partially used. The unspent portion of the cards is &...

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Would you consider moving? You have a big family and a SAHM. You can live like a King out here in the Midwest with a 5 bedroom new built house and make the same salary. +1 In my area I would expect ER physicians to make about the same amount. However, you can get a nice 4 bedroom house in a suburb ...

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Jeev1 wrote: ↑Sat Apr 10, 2021 11:03 am Some of us had to go snail mail route due to a reason beyond our control.
Creating this to keep the hope alive, one day the snail will WIN the race

Paper return mailed on April 7th 2021

I mailed a paper return on March 4. IRS has not processed it yet.

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I use EFTPS where it remembers my bank and it’s quite easy to make those estimated payments (easy once you determine the amount). The payment is processed fast, there is a history of payments and status that seems updated quickly after you pay. Can use this or other irs login at year end to see tot...

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BogleTaxPro wrote: ↑Sat Apr 10, 2021 10:34 am Yes! It's better to keep everything under the primary SSN of the tax returns so things don't get disconnected. Like this. Good to know you found it!

Many thanks for your help! I was worried that several thousand dollars got lost.

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Try going back to the IRS page Direct Pay instead, and use the lookup tool there (eg: https://directpay.irs.gov/directpay/paymentManager?execution=e1s1). You'll need the confirmation number and your SSN. Then you can confirm that you entered the SSN correctly and that you specified that it was for ...

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HueyLD wrote: ↑Sat Apr 10, 2021 9:57 am Did you save a copy of the confirmation after making the payment?

Yes!

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I file a MFJ tax return. Last year, our income was lower due to the suspension of RMDs. So, in May 2020, I made a significant Roth conversion up to the point where it would not increase our IRMAA payments. At that time, I also made an estimated tax payment to cover the tax on the conversion. I sent ...

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What about this one from Costco? It is less expensive than your choices.
https://www.costco.com/cedar-summit-by- ... 39193.html

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Duplicate Bridge is all about competition. You do it while sitting.

You can find out all about it here: www.acbl.org

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I just logged on today. Haven't done in quite a while. Upper right corner has "Last logon: Thursday, April 08, 2021 02:24 AM ET". No way Jose. I was dead asleep at that time and no-one else has my login credentials. Should we all be concerned about a data breach????? I just logged on to t...

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Hi, I just signed up here bc I need to vent about the Vanguard website. It is so opaque and unhelpful when compared to fidelity's. The first thing I see at fidelity is how much my account is up or down at a given time, and the amount I'm up or down in each holding. Also there is a wonderful chart. ...

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bsteiner wrote: ↑Wed Apr 07, 2021 9:13 pm In most cases when you expect to have a taxable estate. Otherwise you would probably hold on to your assets to get a basis step-up at death.

Doesn't a Living Revocable Trust get a step-up at death?

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iamblessed wrote: ↑Mon Apr 05, 2021 11:22 am I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at.

Costco web site and Costco stores often have different prices. The web site sometimes has higher prices that include delivery.

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Costco or costco.com is a good place to buy items in bulk. Quality tends to be very good and the prices are lower than most.

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I avoid having credit cards with the bank I use for checking/savings accounts. This is due to the "right to offset". I do not have a business account.

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Mainly because I'm in Pittsburgh and I can't find a tire yet that lasts past 25,000 miles here. What is it about Pittsburgh that is unusually hard on tires? Winter, hills, potholes, hills, bad roads, hills and hills. I fully fess up that there are better drivers who get longer tire life than me, bu...

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Leesbro63 wrote: ↑Sun Apr 04, 2021 9:52 am Mainly because I'm in Pittsburgh and I can't find a tire yet that lasts past 25,000 miles here.

What is it about Pittsburgh that is unusually hard on tires?

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Car batteries should be checked at least once or twice a year for adequate fluid level in the cells. If the fluid level is below the bottom of the lower cap wall, add distilled water until fluid level just touches bottom of cap wall. Why do you feel that distilled water is necessary? At the factory...

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IMO it depends greatly on your goals. If your goal is capital growth, then it makes sense to have a lower bond allocation. However, if your goal is capital preservation, then that would point to a higher bond allocation (as in don't take risks you do not need to take). Personally, I am very happy wi...

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Car batteries should be checked at least once or twice a year for adequate fluid level in the cells. If the fluid level is below the bottom of the lower cap wall, add distilled water until fluid level just touches bottom of cap wall. Why do you feel that distilled water is necessary? At the factory...

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I see on my account V is closing my Investor share Cash Reserve MM Fund (VMMXX). They will auto transition to Admiral shares in the same fund but Admiral does not have check writing which I want. Their information sheet on this says their Federal MMF (VMFXX) does have check writing, but I can’t fin...

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Because you are also over 70.5 years old, if you are charity-minded, you also can take some or all of your withdrawals as Qualified Charitable Distributions. QCDs don’t increase your taxable income, but the charity gets to spend them, not you. I'm curious how that works. Just for planning purposes....

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While the Costco is a no hassle arrangement, there is nothing to stop you from trying to negotiate further. I made my last car purchase of a Camry using the Costco arrangement. When the dealer was giving me the price breakdown, I told him I did not want to pay their ridiculous "documentation fe...

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Doesn't the internship pay a salary? They should pay you enough to cover your living expenses.

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We have requested a change in destination or just sending it back. We're told it's out of their hands, that IRS classifies that as a "mid-air reclassification" and that they can't do anything. It is sitting there cleanly in a money market account, not allocated to any tickers yet. Seems u...

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petej wrote: ↑Wed Mar 31, 2021 1:13 pm Side question: If anybody has tax tips for dealing with this let me know.

Can't your wife ask Vanguard to re-characterize the transfer and put it into a TIRA?

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I always figured that 2 weeks is a minimum if you want to be professional. If you want to be nice, one month should be sufficient.

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No, of course not. That is my total projected accrued interest in 2030 when my first bonds mature. A large portion of that will be recognized in the early 2030’s. Gill The point I'm trying to make is that, very likely, nobody is forced to anticipate Savings Bonds redemption in order to save on taxe...

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