Bogleheads.org

Do you include your home in your net worth?

Lets say my house is worth 200,000 and I paid 50k already towards it.

Would this be -150k net worth or plus 50k?

Excellent ideas, both of them. Secrets in a marriage (beyond the level of guess what you're getting for your birthday) are devastating. They always seem to lead to more and more secrets on both sides, uglier and uglier. Best wishes! You are a total stranger but this has been so helpful to hear. I h...

It's a really tough process; misery to go through. I've known patients who were admitted for inpatient detox from prescribed meds that were given for disabling pain. Congrats on getting through the rough part. By the way, was the original prescribing doctor your regular doctor? If not, you do need ...

If you took the meds strictly as prescribed (never at a higher rate; didn't buy on the street etc to supplement), it would be worth contacting your original physician who wrote the prescription to ask if there is a way that s/he can verify that the addiction was not the result of drug abuse but of ...

It has just been 10 days, and I am just starting to feel good and very proud of myself. The "addiction" part of it might have been 6-8 months tops. I am so worked up over this that I am afraid to open up to anyone. You likely could purchase "guaranteed issue" no underwriting ins...

It has just been 10 days, and I am just starting to feel good and very proud of myself.

The "addiction" part of it might have been 6-8 months tops. I am so worked up over this that I am afraid to open up to anyone.

This is apples and oranges. Term life and a Roth IRA have nothing to do with one another. Do you need life insurance? I do not have life insurance at the moment. I was thinking of putting the money saved from life insurance into the roth ira. My wife doesn't have it either, but her income is so low...

Do you have children? Do you plan to have children? Would the loss of your wife and the associated income be a financial hardship for you? My guess is you need term life and your wife does not. The purpose of life insurance is to replace lost income, and is only needed if that loss would cause fina...

This is apples and oranges. Term life and a Roth IRA have nothing to do with one another. Do you need life insurance? I do not have life insurance at the moment. I was thinking of putting the money saved from life insurance into the roth ira. My wife doesn't have it either, but her income is so low...

ME: 80,000 year Age: 28y/o Had a Roth IRA for a year now, plan to max out each year Price for ins would be about 40-45 a month, same with wife Wife: 30k year Age: 37y/o Also had a roth ira for a year now I was looking at a 20 year term (200-250k) for the both of us, but I was wondering if investing ...

Depends on your interest rate, the deductibility of your mortgage interest on state/federal taxes, and your tax bracket. If you pay 40% in federal and state taxes and are able to fully deduct your mortgage interest, then a 3.5% mortgage will be equivalent to 2.1% after your tax savings. It would be...

Would it still be a better idea to put that extra 100, 200, 300 a month towards a roth ira vs your current principal knowing that in 7-8 years you may want to buy another house, or keep the house you have and just have a second home? I tried searching for this question, but it just takes me to the e...

So all in all... is this a good price for...
144 feet, 2 pumps plus battery backup, 4 crack repairs for 4,500 dollars?

You can put the phone in your chocolate milk and drink it!

I'm very happy with my Nokia Lumia 920 (Windows Phone). It has a different feeling that I like on the OS and I think it's very easy to use for first-timers on the new touchy Smartphone world. If you didn't like Windows Phone, I think the iPhone is friendlier and easier to use than Androids. But if ...

Get the watch because YOU WANT it.
If you are just doing it for female attention, just get a 100 dollar watch and random hookers every weekend.

Why be with a girl who is only interested in you because you have bling?

Easiest way to haggle on a car is email every place near you. Tell them exactly what you want and what is there best offer. Tell them you're shopping around. If another place beats their price, tell them. I got 5k knocked off my car and didn't pay taxes or tags. My car was 23500 originally... So tha...

Im having a french drain system done in my basement and I had 3 companies over for quotes. I got this company from 7,000 all the way down to 4,500. Is there such a thing as haggling too much to where you sacrifice a quality job? Since they are not making as much as they usually do....do you feel li...

Im having a french drain system done in my basement and I had 3 companies over for quotes. I got this company from 7,000 all the way down to 4,500. Is there such a thing as haggling too much to where you sacrifice a quality job? Since they are not making as much as they usually do....do you feel lik...

is there such a thing as going too low on a price (haggling too much)
So low that it effects the quality of the job?

One of my friends was wondering this, but I didn't think a company would agree to a job and just half ass it. Companies stay alive by referrals for the most part right?

1. Nokia 920 (Windows 8) phone. Hands down the best phone I ever had. I like the Galaxy too, but the Windows 8 phone seems faster (ATT). As an ex iPhone user I think they are SO overrated. If you want to pay for a name then get the iphone. IPhone users tend to try and argue or be smug that you are a...

I can do all the travel in the world, but nothing beats camping in the mountains. Its just nice and relaxing. Foreign travel is nice, but a big chunk of the trip is a pain in the ass IMO. I've been to Mexico three times which is very beautiful. I can't see myself getting that much psyched about Euro...

okay, new deal This company originally quoted me at 7,000 for 150 feet, 1 pump, 1 basin, crack repairs, battery backup Now after haggling I got them down to 4,500 for 2 pumps/basins, crack repairs, and a battery backup :) Main Line Waterproofing is the name. 4,500 bucks sounds like a steal to me.......

wow check this out
I got another company (previously offered 7k) come in at 5400
I cancelled Thompson for 6k
Thompson offered 5k
Main Line Waterproofing I am still waiting to hear back from.........

This is funny...

The guy I am dealing with said a back up saves you maybe a few hours, but its way better to go with a generator. Backups run up to 8hrs and its not as full strength as electric obviously.

Our house doesn't leak a whole lot so I opt against a battery backup.

The sad truth is you cannot trust a single company trying to do business with you. The have a great rating on BBB, Angies List, and Home Advisor which makes me feel a little better. I always feel iffy on whoever it is I hire for a big job. All 3 quoted around the same for an outdoor system (22k-25k)

Yes I did read that one review. On Home Advisor out of 83 reviews it was almost a 5 star rating which I think is pretty good. Anyways...the guys original offer was 9700 dollars. I told him no and the other 2 guys were around 7. He then offered 6500. I said the job is yours for 6000. Thats when he di...

I was told they do not subcontract their work...how did you find that out?

had 3 guys in and found a winner. First of all I was wrong about the cinder. My walls are poured concrete. I got the Thompson Waterproofing company to come down low on a deal. First let me ask you how much is a good deal for this... 151 ft of area, 2 sump pumps, HD PVC pipe 4" 2 yr warranty on...

had 3 guys in and found a winner. First of all I was wrong about the cinder. My walls are poured concrete. I got the Thompson Waterproofing company to come down low on a deal. First let me ask you how much is a good deal for this... 151 ft of area, 2 sump pumps, HD PVC pipe 4" 2 yr warranty on ...

Yeah I got bent over on this basement and I needed a new roof which the inspector didn't tell me. It pisses me off very much, but I just have to take it as a learning experience and move on.

I got one guy coming out on Thursday to check the basement.

It sucks that my home inspector just pointed out a "small leak" and the old owners screwed me. I'm going to get lots of estimates and I'm sure it will be in the 5k-10k range.

thanks for trying to help me!

The slope isn't running toward the house...where the problem area is, it is slightly running away from the house. Neighbors out = Neighbors house Our basement is about 8 feet from ground level, and the main area, water comes from the very bottom. With very very bad storms, it will come from the top ...

There is a drain in the middle of my basement where the flooring is (very slightly) slated toward....so I am assuming there is a lower area of ground. The problem with the side with the leak is that its near a neighbors out. That whole side goes (in order), side of house, sidewalk/deck, driveway (ap...

I do have a water problem. When I had my home inspected I was told of a "small leak"...BS. Anyways, my dad and I tried lots of things. It turns out (after talking to a few people in the area) that the land around there was kinda swampy before houses were built. Where the water is coming in...

Thanks for the detailed message it helped clear it up for me. I initially put 1000 into VG while I had money in SB. Now I am putting a couple hundred into VG each month. I haven't checked any boxes for rollover yet. if it was you, what would you do? I want the least amount of hassle as possible. I w...

lol, I didn't know it was 10% of the earnings/interest Sorry about that :) Don't apologize for the rude know-it-all's here. Asking questions is what makes you a better investor. With that said, why withdraw the money directly from SB? I would contact Vanguard and ask them to initiate the transfer. ...

lol, I didn't know it was 10% of the earnings/interest

Sorry about that

You are putting the money into another Roth, correct? I believe if you put it all back into Vanguard within 60 days there are no tax consequences. But don't pull it out of Vanguard next week to roll it to Fidelity. You are limited to one indirect rollover per year. Well I put money into a Vanguard ...

yeah in Sharebuilder.

I put in 1,100 of my own money through Sharebuilder for a Roth IRA. After a week I wanted to take it out (I decided to go with Vanguard) so I did (I never put it in any funds). I look at my bank account and it says I have 1,100.07. Since I only put in 1,100 and I gained 7 cents (I don't know how), w...

Would a French Drain be a good investment in a house you may want to sell in 8-10 years? They are very costly, but maybe more people would be attracted to a waterproof basement. I didn't get a price or anything yet...just trying to get general opinions on this. I bought my house about two years ago ...

I have Win 8 on my phone and it is way better than any iphone or android IMO.

The only thing it lacks is Apps, but soon enough it will catch up.

Only go out maybe once a week Research what I buy always.....I actually enjoy this Try to buy things when on sale Just purchased Amazon Prime. 79 dollars a year for free shipping plus you get instant movies. Any Amazon junkie would save lots on here. Plus Amazon usually has the best price offers. Wh...

In weighing Target Retirement fund(s) versus VTI, or a TR fund versus large caps, or which fund(s) to choose for which account...the following analogy comes to mind (probably because I'm hungry): When you originally asked "TR or VTI?", you may have thought your fund options were like choo...

@ruralavalon: You think I should just invest in the VTI for my Roth IRA? If this isn't what you meant then I am sorry I am a bit confused. I already am invested in the VG 2045 TR fund for my Roth. I like the TR fund, because it does a lot of work for you. I'm not a lazy person, but it does sound nic...

Lets back up and try this again :) . This is a little difficult because your information is scattered over several posts, so I'll summarize a bit here. You are 28 (single? married filing jointly?). You want an aggressive asset allocation, perhaps 90/10 stock/bond. You don't indicate a preferred dom...

Thanks for the feedback.

I have 10k in my 401k...where should I reallocate this money to?

I opened that link up, but didn't understand what the purpose was for that site?

Question... I signed up with the TR 2045. Lets say in a month I realized I wanted to choose my own funds (something like the 3 fund portfolio). Do I sell my TR 2045 and then buy those 3 funds? Should I buy those 3 funds and not do anything with the TR 2045? You can change your mind later, and switc...

Question...

I signed up with the TR 2045. Lets say in a month I realized I wanted to choose my own funds (something like the 3 fund portfolio).
Do I sell my TR 2045 and then buy those 3 funds? Should I buy those 3 funds and not do anything with the TR 2045?