Bogleheads.org

bloom2708

Do you have a Rainbow dealer in your area?

https://www.rainbowplay.com/

Ours lasted through 3 kids. I gave it away on Craigslist and was still in decent enough shape. Needed a few new parts.

Prices are not for the faint of heart.

bloom2708

Maybe if you camp in a 10-30 mile circle.

6 cylinder. Too close to the maxes for any real/distance towing for me.

bloom2708

The pre-tax portion rolls to a Traditional Rollover IRA. The Roth part rolls to your regular Roth IRA. Funds are usually liquidated and checks are sent to the destination broker. Best to work with the place where the funds will end up. Pull the funds. They will contact the current 401k provider. I h...

bloom2708

Save some money, find the car you want, find a good enough price, buy the car, don't buy a bunch of add ons.

Find your nearest Subaru dealer. Find a Subaru Crosstrek in the price and color you want, test drive, buy.

Why that car? That is what the magic 8 ball told me.

bloom2708

I would keep it unless there are more deferred maintenance/issues that you know of. You put the $4,500 in. You know it by this point and hopefully trust it. Plus the tax and license fees. I always get a little less than I think for my car and pay more than I think for the next car. Reducing my net b...

bloom2708

I'd suggest buying a Lexus ES 330 or ES 350. I'd look for an original owner, for sale by owner, inspected, with documented oil changes. Keep the oil changed, they'll run forever. We still have a 2005 Lexus ES 330. 84k miles now. Wow is that a well built car. Just rides so nice and quality. No plans...

bloom2708

For walking on smooth surfaces, running shoes that work for you are best. I like supportive and cushioned shoes. If I wear a cushion only with no support structure my feet tell me. Brooks Adrenaline GTS are my go to shoes. Version 20/Version 21 are both fantastic. But, each person has to know what w...

bloom2708

I think a person has to be willing to drive cars with some/bunches issues after 150,000 and especially over 200,000 miles. Clunks and clanks and suspension/shocks/struts that type of area really take a beating. Especially if you are in the rust belt. Parts just disintegrate at times. I can see buyin...

bloom2708

Have you used any tools like Firecalc to get a level of confidence? If I divide $110,000 by .04 I get $2,750,000. Basic 4% withdrawal rate. Simple calculation to gauge ballpark. I'd start a spreadsheet and chart your income path to 65 and 70. With one being 10 years younger, that also adds complicat...

bloom2708

Buy 4 new. Rotate every oil change.

You may want to have an alignment as part of the tire change. Those are some different wear numbers.

You could probably put the 2 with 5/32 on the back if not AWD. 8.5 is low tread for new.

11/32nd is more standard. Must be high performance tires.

bloom2708

Plan for your house to be 20% more than you think and plan for a stock market slide. How do those two calibrate in?

Building with building materials at near crazy costs. I'd think about it for a while.

bloom2708

Breeo smokeless.

Good quality.

bloom2708

"Savings: 70k in checking for down payment/emergency fund" If you have $30k for an Emergency Fun, you have $40k for a down payment/closing costs/immediate costs. That equates to a $200k house with 20% down. You can't use the full $70k because then you have no EF. I would keep saving if a $...

bloom2708

When similar houses in your area sell, your price may change quite a bit.

I wouldn't worry about $20k. Ours seems to fluctuate in a $50k range. I stopped looking and just keep a middling number for the house.

bloom2708

I find Amazon pantry items to be much more expensive than I pay at a regular grocery store. First, analyze what pantry items your family will actually use. Definitely don't bulk buy anything you don't currently use. I have the best luck at our Kroger affiliate and their case lot sale. We buy canned...

bloom2708

I think you are fine. We chose $5,000 for home. It is unlikely we would file a claim for your scenario. Have you asked what will happen to your rate with this claim? Maybe you get a grace claim? Insurance is a quandary. You need it, but rarely want to use it. In a similar scenario we were told we wo...

bloom2708

Canned beans (black, pinto, cannelli, garbanzo) and brown rice.

Beans and rice. A complete meal.

bloom2708

I'd go with Thule or Yakima. You will need towers. With likely no roof rails, you need the type that anchor inside the door frame. You can search by vehicle. Then you need cross bars (aero or regular) and/or the bike rack add on. A car without the rails running from front to back is always a bit tri...

bloom2708

Watch “Cowspiracy” on Netflix.

bloom2708

I do like it though. Currently doing Finnish (Minulla on suuri Boglehead). Minulla on suuri Boglehead = I have a big Boglehead Minä olen suuri Boglehead = I am a great Boglehead I believe you meant the latter. Good luck with your studies :beer 🤓 I actually meant the first one. On purpose. Thanks Du...

bloom2708

One idea would be to move where your salary stays the same but the cost of living is lower. Not everyone is mobile, but if house prices and down payments are out of line with your salary, then moving is an option. No easy answers. Let's say you stopped retirement saving completely. How many months/y...

bloom2708

Lots of trade-offs on this journey. If you think renting is expensive, owning is another dimension of expensive. :annoyed If you just compare the payment to your potential mortgage payment, you might say "boy that is cheap". But there are so many more expenses to owning. Insurance, propert...

bloom2708

Do you have an ESPP plan you could "harvest" and sell quarterly? It becomes a rolling buy/sell. I would put your brokerage/taxable next to your Roth IRA. Or next to your 401k. If you prefer Fidelity or Vanguard. Total US stock index or Total World Stock index are 2 good starting points. De...

bloom2708

Duolingo can maybe get you 20% there. It gets you the basics and a few thousand words. I do like it though. Currently doing Finnish (Minulla on suuri Boglehead). I completed Swedish a couple years back. Certainly not fluent I use the free version. Ads play after each lesson. Load it on your phone or...

bloom2708

I would say part of the reason prices are high is because people are willing to buy "all they can use" at the current prices. Call it Covid, supply issues, high demand, trees are scarce, etc. Guessing at lumber prices might be similar to guessing at stock prices. For a deck, if each board ...

bloom2708

Do ESPP only after maxing 401k, Roth, HSA.

It falls in the taxable investing to me. Not all can/should do it until income/savings reach a certain level.

bloom2708

I saw that article as well. My wife and I are applying the information from the article differently. We will continue to maximize any employer match that may be available. After that, my wife and I will contribute the maximum amount to our Roth IRA accounts, and then we will invest in taxable if th...

bloom2708

The processor and RAM updates on the units makes the newest models much faster and a much better experience. The Gen 2 Fire TV Cube is a big improvement over the Gen 1 Fire TV Cube. The Fire TV Boxes and Cubes have much better processor/RAM than the Fire TV Sticks. The Apple TV 4k's we have are very...

bloom2708

I think you have talked yourself into it. I can think of one reason not to: Extra complications Yes, the property manager can deflect some of the things that come up, but you are still the CEO of your small business. My friend with rentals is $16k behind in rents and cannot evict. Multiple times my ...

bloom2708

Vise grip + Hammer.

bloom2708

Stick with Total US Bond unless you plan to spend this specific money in 0-2 years. Total Bond, Intermediate Bond, Intermediate Treasuries are all fine. If rates continue to rise, the price will drop some (much less than stocks can drop), but the fund will pay more interest over the duration (~6.5 y...

bloom2708

retired@50 wrote: ↑Tue Mar 30, 2021 10:20 am
bloom2708
It appears he has a Rollover IRA at Schwab, which will make the backdoor Roth IRA strategy more complicated.

Good catch. I missed the Trad IRA.

It looks like OP states he qualifies for regular Roth IRA based on one income.

With one income, that likely makes sense.

bloom2708

I think you should stick with pre-tax 401k and Back Door Roth IRA. Paying Roth 401k tax at nearly 35% while accumulating doesn't seem to make sense. You probably are in the Back Door Roth income range, but confirm. 3 years of cash is too much. I also think you could be 70/30, 60/40 is pretty conserv...

bloom2708

I too will switch next year to freetaxusa or another. It was $108 to file Fed + State this year with TaxAct.com. I can see my past 5 year cost. Last year was $54. 2 years ago $36 and so on. There may be valid reasons to hold of filing as late as possible and to consider switching even though you did...

bloom2708

That's the point. Subarus are a humble brag. The underlying vibe i get from a lot of Subaru owners is that they have the money to buy a much nicer vehicle but they fancy themselves to be above the vulgarity of driving a nicer vehicle. They are too busy saving the world by eating cage free, gluten f...

bloom2708

Tough one. If I had your investments, I'd be done. But I am 50 and not 55ish. 55ish is that much closer to 59.5. But you have plenty of taxable investments. The abrupt change might be the hardest part. More mental than anything. It sounds like you want to work and could give it a go for another year...

bloom2708

Get to $1.5 million and then ask the same question.

You are doing great but are in mile 3 of a 26.2 mile run.

You can skip the first few water stops but at mile 22 you might want water.

bloom2708

Sorry about the big D. It happens. Open your MySS account and estimate if you put $0 in for some years. Your estimate assumes wages are at your last year wages. At 42, probably 70/30 add 5% either way if you want more or less risk. Put your bond allocation in the IRA and/or 401k. Stock index in Roth...

bloom2708

Do Roth 401k for the first $19,500. $6,500 extra if over 50. After-Tax can be done at the same time if you can allow the reduction in paycheck. Or wait until you hit max, then switch to after-tax. Do Option 2. "Daily". That reduces the gain on unconverted shares. Get them to Roth 401k as f...

bloom2708

The electric motor assists on acceleration and when needed (going uphill, passing a car), providing pure torque. The combination of the gas + electric should compensate for the lower HP. Our Ford Fusion Energi uses an Atkinson cycle engine (low HP, very efficient, read up on that style online) with ...

bloom2708

Each insurance company does it different. Shop around. Our cars are 100/300 but we have a $2 million umbrella policy. You can't do 250/500 or higher with the umbrella. Umbrella would kick in over the 100/300. A friend in Denver also has an umbrella, but his company requires 250/500 with his umbrella...

bloom2708

Something like this: https://www.amazon.com/dp/B08LVTXJRG/ref=sspa_dk_detail_0?psc=1&pd_rd_i=B08LVTXJRG&pd_rd_w=sAOUD&pf_rd_p=4269e1a0-a218-4fbd-9748-1cd337d2f2a5&pd_rd_wg=avIGx&pf_rd_r=M5AXEN1RDRHW9RMM4HRE&pd_rd_r=df3db9a8-710d-4714-ae39-f82576eb1562&spLa=ZW5jcnlwdGVkUXV...

bloom2708

60 to 65"

To me, the 70+ just make the pixels bigger. Imperfect content doesn't look that great.

OLED > QLED > LCD, but the $$

With decent budget, 65" OLED from LG. Just my 2 cents.

bloom2708

With those numbers, stick with your ETFs. Go for a walk or bike ride or golf or hike.

Unless you are bored and want to start a low margin, small business with covid still jaunting about.

bloom2708

Just buy these.

VTI – Total Stock (US)
VGIT – Intermediate Term Treasury

bloom2708

Check your Social Security projections. Map out spending until 65 (Medicare) and Full Retirement Age SS and 70 (max SS benefit). Plot spending vs where you will get income (Pre-tax sources, you are over 59.5), Roth, Taxable. At 60, plan for 30+ years. That usually means 3.5 to 4% withdrawal rate. To...

bloom2708

We still use and pay for our Yahoo email address circa 1995. It is our "catch all" email. We also have a hotmail, a live, 2 gmail and I pay for ProtonMail for important/financial related. I've thought many times about dumping the yahoo, but it is easier to just keep and pay. Small change i...

bloom2708

stocknoob4111 wrote: ↑Tue Mar 23, 2021 8:28 am If I sell at Fidelity is there an option to transfer the proceeds to my checking directly instead of sending it to the Cash position?

Yes. Choose Transfer Proceeds and then your checking account.

bloom2708

For Zion, research advanced shuttle passes. Zion doesn't allow any cars to enter the park. You must ride the shuttle. If you don't get advanced passes, the next day allotment goes on sale at 5:00PM the day before. Passes go fast. Like all gone in 10 minutes. The website often crashes or is is slow. ...

bloom2708

Try

https://secure.tsp.gov/tsp/login.html

Could you be using an old shortcut for the site? Not https?

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