Bogleheads.org

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Tingting1013 wrote: ↑Thu Apr 15, 2021 3:39 pm
sandramjet wrote: ↑Thu Apr 15, 2021 3:33 pm I drive my car about 18-20K miles per year. How does that affect the lease/buy decision?
You should drive less. It’s bad for your health.

Great point and a bike is cheaper than a car. Should I lease the new bike, though?

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Actually, right now it's 14.93%.... :-) Actual rates are here: https://aave.com Perhaps one day the standard Bogleheads portfolio will be 60% stocks, 40% dollar deposits at Aave. Not even joking! You're probably too young, but there's this thing called radio - you can hear advertisements for "...

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You are in the market for a new Honda Accord. You intend to keep it forever. Let’s say the selling price is $25k, and Honda expects the car to depreciate $10k in the first three years. Your total lease cost is $10k + taxes + interest. At the end of the lease you have the option to buy out the remai...

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I turned 60 today. I wouldn't say I'm coasting, but I have realized that there is no more upward trajectory for me at work. It's as good as it's going to get. I've hit a number where I could retire if I had to, so I've started drawing more boundaries to protect my personal life. No raise or signifi...

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*ahem* MILES PER YEAR has not been addressed. If you only drive 10k or less miles per year - I suggest: a) a used vehicle will last a long time and be cheaper than leasing b) buy an e-bike, use Uber/Lyft, car rentals as needed and you'll also be spending less This blanket claim of "always the b...

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Spouse is declining moving, except back to Texas where they don’t understand what I do (I looked repeatedly). My old job is not available. There are numerous references to Spouse 1 and 2 not being on the same page. Communication and expectations apparently need more work. Somehow finding the "...

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Sure. Now do that for 18k miles per year driven. You would have to buy out the lease b/c of mileage charges, right?

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5000 sq ft is a mansion?? 🤔 anyhow....the above comments are a slippery slope....think about it. 5000 sq ft is freaking huge. That's larger than many parcels in a developed city. That's a nice-sized home here in flyover country. Only over 9k square feet or so is considered "big"... Differ...

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"forecasters" might as well be throwing darts. I think they'd be more likely to be accurate if they did.

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Carguy85 wrote: ↑Wed Apr 14, 2021 6:27 pm 5000 sq ft is a mansion?? anyhow....the above comments are a slippery slope....think about it.

5000 sq ft is freaking huge. That's larger than many parcels in a developed city.

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Woohoo!

Lets inflate our mortgage away! 2.5% for 30 years will be very cheap - sooner or later...

Bring it on!

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I can imagine the added stress retiring in your 50s wondering if you'll have enough to live another 40-50 years? Just something to think about for the FIRE posters here. 50s? stress? ha - we'd be too well-off if we wait until then. By 50 (me) / 52 (DW) - we'll have more than enough. Our FIRE dilemm...

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I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &qu...

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I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &qu...

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I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &quo...

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The health stuff, though. Ya gotta deal with that, regardless of how hard you're working. If nothing else, you'll be more effective at work if you're healthy. What? ___ that! Stressful job leading to detrimental health. Be sure to work on your health so that you can do your job better. :oops: I do ...

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Has anyone minted a "FOMO" cryptocoin yet?

I know if I ever bought into crypto it would be a FOMO coin

own $0 currently

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Keep the money invested, sell assets as needed.

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Rent.

You don't have to buy a home or build one just b/c you're moving.

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I am going to give Carvana a shot and look for a 2020 Versa in the $17,000 to $19,000 range. Hopefully I can keep my 09 for another year or maybe more, time will tell. In that range you can buy a new Prius Prime. Need to live in an area where Toyota is offering $5k+ cash/rebate, negotiate $3k deale...

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Thought it was interesting just how arrogant some of these active fund managers are and completely oblivious to their inability to predict the future. They're in sales. The "client" is purchasing what they sell. Which of course is not a guaranteed rate of return, only a guaranteed higher ...

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It's a 4 bedroom house with 3 kids, and 2 of them are sharing a room ... It's not especially uncomfortable now but I think it will start to get that way. You might try some historical perspective. Families in the 1930s with 3 kids in a 1200 sqft house. Somehow, my mother survived/thrived and went o...

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I looked up some of the prices of the suggested flippers here in this thread and my mind just broke. My current flip flops are from Roses and I paid $2. A wise person once said to never skimp on mattresses, car tires, or shoes. You spend nearly your entire life on them, in some form or another. Our...

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Buy smaller furniture?

Seriously, what is the current house size and family size?
Get rid of some stuff you don't need and save hundreds of thousands of dollars by not moving...

Just a thought.

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Bama12 wrote: ↑Sat Apr 10, 2021 7:45 pm I would add ZIL and VET

This would be an easy late-night sketch where you add in a few that are completely made up instead of actually made up and exist. I'm sure people would still "invest" in them anyways

Kimmel-Koin coming soon!

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Joe2116 wrote: ↑Fri Apr 09, 2021 10:42 pm I would also find a property with good cash flow not only to cover the mortgage but also the expenses involved in having a rental and pay for a part of the HELOC.

That sounds so easy and like a guaranteed return!!! Why isn't everyone doing that?

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We're running the numbers on 5 less years. How much leaner would retirement be if we could bow out in 5 vs 10 years as previously planned. Hoping for 4-5 good years of returns to help... If we can live "cheap" for 4-5 years, it could work nicely. Rent out our place while we travel vs letti...

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Normally I'd say don't worry about the kid getting hurt - they recover quickly at young ages (I have fond memories of jumping off all kinds of things when young and never broke a thing!), but the bridge doesn't really add much function at all. Feel free to skip it, as others have suggested.

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Nearly all of investments are in index funds. I have a tiny # of safe long term holds like AAPL. Nothing high risk. Is it even worth it to continue buying shares in AAPL, for example? I feel as though the $ might be better spent just continuing with whole market funds and taking advantage of compou...

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Bill Bernstein offers a rule of thumb that houses are cheap if they cost less than 168x monthly rent. How’s that work in your area? Wow.... if that's a legit rule of thumb I will never, ever buy a home where I live in the Bay Area Bernstein’s number might need to be adjusted for current mortgage ra...

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$0

Give me the best deal/offer. Fine if it includes escrow also. CA escrow accounts earn 2%

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I have no wisdom to offer here. But this post reminds me of the violence that the Fed has committed against savers everywhere. It surprises me that Bogleheads (we saved, we paid off student loans and mortgages early like a good girl/boy) are not OUTRAGED at the fact that someone has to come on this...

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HomerJ wrote: ↑Thu Mar 25, 2021 2:42 pm I laughed at the idea of a million dollar Rickroll...

Quick - create a million dollar NFT Rickroll!!!

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OohLaLa wrote: ↑Thu Apr 08, 2021 3:34 pm
jason2459 wrote: ↑Thu Apr 08, 2021 3:01 pm Oh so close. No way 4100 is happening tomorrow.
I'm liking the use of reverse psychology on display.

I totally jinxed it. Opened up a taxable account today. I apologize in advance.

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I have no wisdom to offer here. But this post reminds me of the violence that the Fed has committed against savers everywhere. It surprises me that Bogleheads (we saved, we paid off student loans and mortgages early like a good girl/boy) are not OUTRAGED at the fact that someone has to come on this...

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RE: TLH options... As we hold VTSAX in our Roths and I have an S&P 500 fund in my 457, I have assumed that using VTCLX and VLCAX as TLH partners in taxable would be simplest. Just opened a joint taxable with Vanguard today. :sharebeer I wanted the option to TLH without having to move other funds...

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It is more dependent upon the employee than employer for most (but not all) cases, IMO. Very subjective. I hate working. Never had a job a found enjoyable. Tolerable, maybe, but because I have to make money. If you can "suffer" for substantially more money and FIRE, that could be a meanin...

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You took a risk in booking this, fully knowing COVID was still an issue. If you "feel" like you don't "deserve" to pay, you could cancel the card - as you've stated the full amount has not been charged yet. Think about cancellation policies and/or travel insurance for future book...

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BRAND NEW PRIUS PRIME!!! I don’t drive expensive vehicles. I purchase used vehicles with low mileage and then drive them for at least 10 years. What are some good options for reliability and great gas mileage that you like? If you're in the right area for $5k Toyota rebates/cash on a Prius Prime, y...

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Giant (aka wide and low profile) tires designed for performance on a performance vehicle... can equal road noise. Trade off. Drive a more pedestrian vehicle with squishy sidewalls, and you should have less tire noise. The oversized wheels and thin tires are a horrible trend that 99% of drivers do no...

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It is more dependent upon the employee than employer for most (but not all) cases, IMO. Very subjective. I hate working. Never had a job a found enjoyable. Tolerable, maybe, but because I have to make money. If you can "suffer" for substantially more money and FIRE, that could be a meaning...

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Give two examples here: https://www.amazon.com/gp/product/B00G99WYX2/ref=ppx_yo_dt_b_asin_title_o03_s00?ie=UTF8&psc=1 bought Dec 25, 2020 for 17.50 https://www.amazon.com/gp/product/B014F18ZGU/ref=ppx_yo_dt_b_asin_title_o02_s00?ie=UTF8&psc=1 bought Nov 14, 2020 for 34.95 I think these items...

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Those seem in-line.

No health issues, but mine is slightly higher due to activities (rock climbing and SCUBA diving). $495/yr for $500k, 20yr; purchased at age 36 a few years back.

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Why?

Just because you can do something, doesn't mean you should.

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All the sheep pile into the highly speculative asset after they see some incredible outperformance and then some start thinking that it should be part of sensible long term strategy. Then the asset crashes and they dump their positions. Rinse, repeat. This was precisely how I thought of Bitcoin unt...

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Question for folks in this thread: I've made it so "Pension" adjustments have the ability to add an End Year to them. This now raises the question... Is there really any difference between an "Income/Savings" adjustment and an "Pension/Annuity" adjustment? Technically ...

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000 wrote: ↑Wed Mar 24, 2021 10:02 pm What is "trend following commodities"?

I don't know but hopefully it went long on toilet paper in spring last year.

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Yes.

Search is your friend.

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Call Handel on the law. I’m sure he will say you have NO CASE.(He always says soft tissue injuries have little settlement value) https://www.handelonthelaw.com/ No competent lawyer can make such a statement without knowing the jurisdiction in question and more detail than what was provided in this ...

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This is a reply to all of the great responses :thumbsup Thanks. I will need time to digest all completely. First some quick answers: - I am 63 y.o. - I realize the conversion to Roth is ALL Income and pushes up my tax bracket. Re-reading my post appeared differently. Sorry for that. - Converting al...

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