Bogleheads.org

gwe67

Why not just scan it all? Doesn't take up much space....

You can't un-shred documents.

gwe67

3) If she eventually has a job with the college when she goes off to college you need to check to make sure that actually qualifies for the Roth contribution. The problem is that some college "jobs" may actually be some sort of stipend or grant that may not count as wages. Depending on th...

gwe67

1: pay off the car 2: pay off the house 3: put the max for the year into that 529 4: VTSAX the end And to build on this, why don't you and your wife have Roth IRAs? Open them, and fully fund them every year. Enjoy! Because: https://www.schwab.com/ira/roth-ira/contribution-limits There are no income...

gwe67

mikejuss wrote: ↑Fri Apr 16, 2021 1:00 pm
Jack FFR1846 wrote: ↑Fri Apr 16, 2021 7:08 am 1: pay off the car

2: pay off the house

3: put the max for the year into that 529

4: VTSAX

the end
And to build on this, why don't you and your wife have Roth IRAs? Open them, and fully fund them every year.

Enjoy!

Because:
https://www.schwab.com/ira/roth-ira/contribution-limits

gwe67

Don't forget to pay the huge tax bill.

gwe67

Please stop linking to WSJ stories that are behind a paywall. Those that already have a subscription should be aware of the article and can read it if they want to. Those that don't, can't.

gwe67

I would like to know the buyer. I would not want my home to become a rental, which sucks for the neighbors. I also would not want to sell to a lawyer.

gwe67

They need that info to pull your CLUE report. You should get a copy also, to know what is in there, and to dispute anything that should not be. https://consumer.risk.lexisnexis.com/request I also understand that some carriers in some states use credit score as an underwriting factor. They need your ...

gwe67

This illustrates one of the hazards of being a landlord: the quandary of how to get out.

Your choices are death or taxes.

gwe67

They can deliver the car to you when the check clears. I had a dealer deliver a new car to me 2.5 hours away in a different state.

(Assuming you have a way to get home).

gwe67

Based on the information you have provided, it's not apparent that the gas company did anything wrong. If you get any compensation from them, take it and be glad.

As big dog wrote, "Don't forget that this is on the builder, who screwed up the gas-meter hook-ups."

gwe67

VTSAX includes TSLA. TSLA owns crypto. I'm sure there are many other examples that show you are exposed to crypto if you own a stock index fund.

It's probably impossible to say what your crypto exposure is. If you can't quantify it, why do you think it needs to be increased?

gwe67

In situations where the SSN is requested but doesn't seem legitimately needed, I have given out a number that is one number off from the correct one. Gee, I hope all the people one digit removed from you don't adopt a similar policy. If someone gave their real name and my SSN to their dentist it wo...

gwe67

I'm a rebel without a cause, but I always give a fake SS # in these situations. +1. In situations where the SSN is requested but doesn't seem legitimately needed, I have given out a number that is one number off from the correct one . They have yet to notify me that the number is wrong. I suppose t...

gwe67

Sounds like you're smart enough to make your own "target" fund and reduce your costs as well. Time to quit researching and move to VTI, VXUS, BND in proportions of your choice. Agreed. That's what I think anyone with a healthy amount of investing acumen should do (which probably covers +7...

gwe67

I suppose the most alarming thing is how high International equities comprise total equity exposure. I've been comfortable with International comprising 15-25% of total equity exposure - but International comprises approximately 41% of equities in the Target 2025 fund. That's out of my comfort zone...

gwe67

Sounds like you're smart enough to make your own "target" fund and reduce your costs as well. Time to quit researching and move to VTI, VXUS, BND in proportions of your choice.

gwe67

Through Vanguard, you can create an account valuation report (easily customizable).

"My accounts" -> "Balances and holdings" -> "Balances by date" -> "Create account valuation report".

gwe67

Thanks for all the responses. If I inherit money from my parents or anyone else that isn't a spouse after they die, I have to pay taxes on that, correct? Let's say one parent has already passed away and the other has terminal cancer and has about a week to live. Couldn't that parent simply give the...

gwe67

I'm a rebel without a cause, but I always give a fake SS # in these situations. +1. In situations where the SSN is requested but doesn't seem legitimately needed, I have given out a number that is one number off from the correct one. They have yet to notify me that the number is wrong. I suppose th...

gwe67

cowdogman wrote: ↑Sat Apr 10, 2021 7:17 pm
Lee_WSP wrote: ↑Sat Apr 10, 2021 7:01 pm If you don't agree with me, you're most certainly welcome and should consult an attorney in your state.
I am an attorney in my state. My question is more about insurance coverage and any practical experience of Bogleheads.

Best reply ever.

gwe67

Doesn't solve the OP's issue, but this reinforces why I chose a brokerage firm with a local office when consolidating my accounts years ago. I can just drive over to their office, about 1 mile away. I used to use a large national bank that had two local branches. And then, they closed both branches...

gwe67

I was shooting for 2022 or 2023 but retired in 2020. Long bull market and reaching pension eligibility were key factors, as well as not liking work from home.

gwe67

Opinion is not economic theory.

Economic theory rarely equals reality.

drk said it best.

drk wrote: ↑Fri Apr 09, 2021 10:31 pm Global equities, TIPS, cash, and fixed-rate debt.

Bitcoin? Needs data.

Gold? Despite the folklore, it doesn't work.

gwe67

Looks like it normally pays out dividends this time of year.

gwe67

My quick & dirty formula is percent of portfolio in stocks divided by ten, less the average social security COLA to approximate inflation. In your case 90% / 10 = 9% 9% - 3.16% = 5.84% real. In my case 60% / 10 = 6% 6% - 3.16% = 2.84% real. Yes, I know inflation won't be anywhere near that any t...

gwe67

You can't go wrong with a Cookshack smoker. https://cookshack.com Quality is very high. These are much better products than what you will find in the box stores. It's nice to have a digital temp setting and probe. Ability to hold meat at a low temp once cooked would be good as well. BBQ connoisseurs...

gwe67

Eventually there will be an index fund with a negative expense ratio. This will allow you to outperform the market.

gwe67

Sorry, I value my life over money. The difference in safety in a crash between a similar new and 10-15 year old vehicle is massive. Let's not get into a false sense of security about that. Today's car will be a "death trap" compared to a new car another 10-15 years from now. ;) Burrito is...

gwe67

https://tech25s.com/how-to-transfer-ink ... o-another/

gwe67

Forget the home remedies. Call a professional.

gwe67

Let me know when this is going to happen so I can sell off. :o Yahoo finance: "Stocks jump as traders digest jobs report, look ahead to Fed remarks" USA Today: "Stocks move broadly higher following big job gains in March" Fox business: "S&P, Dow surge to record highs aft...

gwe67

You should hire a financial advisor. I don't care what it costs.

gwe67

Any rodent damage?

gwe67

In general that would be true. Also in general, women should claim earlier than men since there's no monetary penalty for being female, yet females live longer on average.

gwe67

I followed the input requirements, but get no results in the graph or table. I have tried both the Open Office and Excel versions. Any ideas what I'm doing wrong? The current version at this link is written for Google Sheets: https://docs.google.com/spreadsheets/d/1q6WcMbGESQts5uUTmNpDoY8IklMx_kfcy...

gwe67

I followed the input requirements, but get no results in the graph or table. I have tried both the Open Office and Excel versions. Any ideas what I'm doing wrong?

gwe67

You're making my brain hurt. I guess a related question would be: if you could ignore Roth IRA contribution limits, how much would you contribute?

gwe67

hokiefan4527 wrote: ↑Thu Apr 01, 2021 12:59 pm My criteria are:
Household income of 3x rent
Credit Score over 650
No pets
no criminal record/past evictions

Finding someone who meets all of these is like finding a needle in a haystack

You should communicate your criteria in the advertisement so that you don't have to screen 200 applicants.

gwe67

For every 200 people who contact me, I find 1 person who is suitable according to my criteria. I hope your tenant screening criteria is legally defensible. There are huge penalties for denying housing for the wrong reasons. You should read this: https://rentprep.com/tenant-screening/tenant-screenin...

gwe67

Everyone's Money Book by Sonny Bloch "Two money experts team up to tell listeners how they can proceed confidently into their financial future, explaining how to maximize returns on cash, pick winning stocks, select mutual funds, and more." Sonny Bloch was a lounge singer who dovetailed hi...

gwe67

Wk1014 wrote: ↑Wed Mar 31, 2021 1:00 pm About 1.2 Million started putting in Roth in 2011 at age of 19

Please tell us how you turned a maximum of about $60 thousand of contributions into $1.2 million!!!??!!

gwe67

I think it's reasonable to use heat. Francis Give something like this heat gun https://www.harborfreight.com/1500-watt-11-amp-dual-temperature-heat-gun-56434.html a try. I haven't tried a heat gun. Wouldn't a hair dryer of similar wattage do the same thing? OP probably has access to one already.

gwe67

Cheap propane torch:

https://www.harborfreight.com/electric- ... gg_q=torch

gwe67

By my quick napkin math, someone under 50, contributing the max since 1998 (I believe the first year of Roth IRA's) could theoretically have a cash balance of $105,000 ($12300 if over 50 the whole time, I believe), assuming zero growth/losses. Has anyone here been using their Roth since the start? ...

gwe67

About $232k with max contribution every year (some later contributions were at the over 50 amount). I think this works out to a bit more than 7% return. Have not contributed this year.

gwe67

oldfatguy wrote: ↑Tue Mar 30, 2021 3:25 pm
jason2459 wrote: ↑Tue Mar 30, 2021 3:23 pm I would expect, as of right now and using the past two stimulus over payments as an example, next tax season for 2021 you'll owe it back.
I'm not aware of anyone paying back stimulus payments from 2020.

I paid one back, on behalf of a deceased person. Sent the IRS a cashier's check.

gwe67

You've got it made. The only question is how much risk you want to take with your future heirs money?

gwe67

Could be free in some states / locales. Free drive-up testing where I live. Results in less than 24 hours if my spouse's experience is any indication. Agree, but it depends how it is coded for the insurance. In our case, for travel does not equal medical necessity apparently. Will look into the hom...

gwe67

Sounds like the consensus is that I should:

not have the watch serviced
not purchase a replacement box
sell to a local dealer (at least one mentioned is within driving distance)

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