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Re: So how long will I live? How long do I plan for?

YES! I am still here.....

Frankly the amount of information provided to me was/is overwhelming. The gist for me is basically to plan for more. But great replies and lots of additional information which I am very grateful for.

Thanks!!
by Mrxyz
Wed Jul 23, 2014 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 4148

Home work books/materials/worksheets

Any suggestions for best homework books - (where to buy them?), worksheets etc for school kids? Looking for 2nd to 6th grade levels. Does anyone like online sites offering the same? This is comparable in part to what is offered by kumon/ sylvan learning center.
Thanks
by Mrxyz
Thu Jul 17, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Home work books/materials/worksheets
Replies: 3
Views: 403

Re: Best CC for (new) purchases

If possible, do not settle for 1% cashback or for cards requiring annual fees. https://www.fidelity.com/cash-management/american-express-cards I use the rewards card above that gives 2% flat for everything, all year round, no questions, no limits, no minimums. regards, Ashutosh The BOA card has no ...
by Mrxyz
Sun Jun 22, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3080

Best CC for (new) purchases

Hi all,
I am buying furniture and home theater in the next month costing around $20,000. I currently have BOA 1-2-3 card which pays 1% back on purchases. What new CC should I get to get better cash back and/or discount?
Thanks
by Mrxyz
Sun Jun 22, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3080

Re: Pull-ups and Push-ups

How about the world's oldest marathoner! Also a 'late runner' and even a 'late walker as a child'!! http://edition.cnn.com/2013/05/09/sport/fauja-singh-marathon-oldest/ http://en.wikipedia.org/wiki/Fauja_Singh http://espn.go.com/espn/feature/story/_/page/Fauja-Singh/fauja-singh-runner
by Mrxyz
Sat Jun 07, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39425

Re: Counterfit Bitcoins

Counterfit or Counterfeit - both are wrong! :happy

Or was the thread title intentional!!
by Mrxyz
Fri Jun 06, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Counterfit Bitcoins
Replies: 4
Views: 358

Re: Pull-ups and Push-ups

Although it does not include pull-ups, here is a short workout that doesn't call for much equipment: The Scientific 7-Minute Workout ( high-intensity circuit training using body weight as resistance ) http://2.bp.blogspot.com/-zEBGZdvr6UQ/Uw5-106RqcI/AAAAAAAAA7U/TI9aZLouDUM/s1600/workout.jpg Those ...
by Mrxyz
Wed Jun 04, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39425

Re: running shoes for a severe overpronator(flatfoot)

Look up runnersworld.org website and their shoe finder option. Plug in some numbers like age, gender, injuries, and you get some pretty good recommendations including Editor's choice. Also look up their Summer, 2014 recommendations etc.
by Mrxyz
Fri May 30, 2014 4:32 am
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2798

Re: Pursuing your calling in life at what cost?

We are a 33 year old couple (no kids) with $2.3M in net worth, no debt. My wife and I are both in jobs that we are good at but don't see it as our calling in life. For my wife, it's various forms of art and my income/our net worth has put us in a position where she is going to leave her job in the ...
by Mrxyz
Wed May 28, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4513

Re: cost indoor sliding door

Sounds like an expensive bid. But you need more details on the cost break up. Doors by themselves cost x $, labor of y $ etc. Also are the doors solid wood or hollow? Are the slides anything other than rollers and tracks? Are there locks on the doors? Is there any teardown to be done? Look up houzz ...
by Mrxyz
Sun May 25, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: cost indoor sliding door
Replies: 11
Views: 656

Re: Masonite Siding

Go to the manufacturer's website and put in your zip code and a list of approved contractors will show up. Use multiple bids/ quotes. Make sure they give you details like are they going to remove all the masonite or just the damaged ones? Will they wrap the house ie. Tyvek? - you should. Are they ad...
by Mrxyz
Fri May 23, 2014 12:24 am
 
Forum: Personal Consumer Issues
Topic: Masonite Siding
Replies: 26
Views: 1959

Re: Masonite Siding

Hi, I would avoid masonite siding homes. I had a similar brand siding on my house- almost 80% damaged over 'time' as it was just pressed wood which became unpressed and split open etc etc. No money left in the class action lawsuit for us! So had to take down what was damaged, house wrap followed by ...
by Mrxyz
Thu May 22, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Masonite Siding
Replies: 26
Views: 1959

Re: Paying for a date

How about he cooks at his place and invites her over? That way no one pays............at least not money!
by Mrxyz
Mon May 19, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3178

Re: Real money v/s nominal money - Retirement amount questio

The easiest way is to do everything in today's dollars. If you think you want to retire on $100K per year in today's dollars, you need 25x to 33x that in today's dollars at retirement. Instead of picking a nominal portfolio return like 6%, apply a real return of perhaps 3%. Take your current retire...
by Mrxyz
Mon May 19, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real money v/s nominal money - Retirement amount question
Replies: 5
Views: 724

Real money v/s nominal money - Retirement amount question

Hi, So following my ISP, I hope to have enough money for my retirement years from now. I have hoped for $2 -$2.5M as the number to attain prior to retirement. But there is the question of inflation which I presume, affects this number. Which I think is the difference between real v/s nominal amount....
by Mrxyz
Mon May 19, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real money v/s nominal money - Retirement amount question
Replies: 5
Views: 724

Re: Going Offroad ["play money" investing]

If you really want to 'play', have you considered donating money to a worthy cause of your choice?? The returns are (almost always) positive!!
by Mrxyz
Sun May 18, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Going Offroad ["play money" investing]
Replies: 73
Views: 4352

Re: 2.5 mil to 10 mil - are we on track

It is shorthand. There are some simple realities - anyone who truly knew what the market will do is going to end up richer than God in a very short time, and almost certainly not by telling others how, or by taking their money. Since many of the respected names here do one or both, they are not cer...
by Mrxyz
Mon May 12, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2.5 mil to 10 mil - are we on track
Replies: 91
Views: 9375

Projects/Kits for 12 yr old son

Hi I have helped my son with many small projects, some of them incomplete or unsuccessful over the years. I wonder if anyone has suggestions/recommendations for sites for projects. Sites I have used are like adafruit and instructable. For example; we are currently making a small portable USB charger...
by Mrxyz
Fri Apr 25, 2014 4:14 am
 
Forum: Personal Consumer Issues
Topic: Projects/Kits for 12 yr old son
Replies: 15
Views: 2720

Re: Best tires for Honda Odyssey EX-L 2011?

While I generally like Michelins, I was underwhelmed with the stock tires on my wife's 2011 Odyssey Touring (Michelin Primacy MXV4); this tire's forte seemed to be straight-line dry handling. It also wore out fairly quickly which I suspect to be partly due to the weight of the vehicle. Did a lot of...
by Mrxyz
Mon Apr 21, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: Best tires for Honda Odyssey EX-L 2011?
Replies: 16
Views: 1448

Best tires for Honda Odyssey EX-L 2011?

Hi

I need new tires for Honda Odyssey 2011 and have looked at tiresdirect, tirerack, sears, walmart and Ody forums for information. Any bogleheads with recommendations? Suggestions on where to buy them?

Thanks
by Mrxyz
Sun Apr 20, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Best tires for Honda Odyssey EX-L 2011?
Replies: 16
Views: 1448

Re: First Trip to India

Take OTC meds with you - motrin, tylenol,imodium - for diarrhea esp ETEC. Drink only bottled water I would be pretty cautious about eating street foods unless you are sure its cooked AND stored properly Don't forget typhoid vaccination and malaria prophylaxis keep copies of passport in multiple loca...
by Mrxyz
Tue Apr 08, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 14149

Re: And suddenly, I'm done...

And now comes a difficult time --- not doing anything - not listening to noise - not following the market - not listening to others asking you to invest in stuff etc....... Fairly boring but difficult to stay on course and follow your ISP.
by Mrxyz
Thu Apr 03, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 5097

Re: those with basements

I may have to disagree with placing moisture barriers. And there are plenty of articles to back this up including buildingscience.com. It is important to resolve moisture issue first as the barrier simply keeps/ stores moisture on one side of the barrier and does nothing to resolve it.
by Mrxyz
Thu Mar 27, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 2163

Re: Anyone overbalance like the Finance Buff?

I don't understand this as much as I would like to...... But what is the difference between overbalancing and market timing? Maybe better rationale to do it? It is not market timing if you have 'good' reasons to do it or you place those 'good' reasons in your ISP to justify it.
Thanks
by Mrxyz
Thu Mar 27, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone overbalance like the Finance Buff?
Replies: 33
Views: 2503

Re: those with basements

Yes, there should be your local county and/ or city codes to follow.
Use something like Tyroc as a subfloor and look up http://www.buildingscience.com/ website ( http://www.buildingscience.com/document ... -basements) which explains more about insulation and basements.
by Mrxyz
Wed Mar 26, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 2163

Re: House flipping investing - Am I wrong or what? Please ad

Hmm... since your prior post was in March of 2013 with the same pitch... but then being 50K ... I can only summise that, in fact, you are trying to be the pitch-man for this to a group of (rubes) and that you are trying to use this board to "give credance" to them..... unfotunately, you a...
by Mrxyz
Sun Mar 16, 2014 3:01 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2624

Re: House flipping investing - Am I wrong or what? Please ad

6K? That won't even get me a small bathroom remodel in the Bay Area... The total cost of remodel is way higher than $6k. My part is only $6K. Here is how I would analyze lending to such a venture: Say you lend some risky venture $10,000. They pay you annual interest. Let's say $2,000 per year or 20...
by Mrxyz
Fri Mar 14, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2624

House flipping investing - Am I wrong or what? Please advice

Hi, An associate of mine has a house flipping business with one other partner. They are in a Midwest city with very rapid expansion and they are flipping houses at a rate of 1 / month approximately. They get their financing for the remodeling from a private investor who charges 16% pa interest and m...
by Mrxyz
Thu Mar 13, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2624

Re: Is 529 plans that bad? [White Coat Investor article]

It's not that good 529 plans are bad. It is that investing tax-efficiently in a taxable account is rather good. One could also blog about how investing in high-fee accounts tax inefficiently is worse than investing in a low-fee account tax efficiently. But how do I figure out if moving funds to tax...
by Mrxyz
Mon Mar 10, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Is 529 plans that bad? [White Coat Investor article]
Replies: 35
Views: 2410

Re: Is 529 plans that bad? [White Coat Investor article]

I am not sure why they would be bad??
I get 6% state tax deduction up to $6000 per child per year.
I use the Utah plan which is rated quite high
What did I miss?
by Mrxyz
Mon Mar 10, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is 529 plans that bad? [White Coat Investor article]
Replies: 35
Views: 2410

Re: Emergency fund tiers?

There are lots of prior threads on emergency funds on this forum. You can search for them by using the search option on the right top corner of screen. Also look up the wiki on emergency funds. I've done both. Searching through them on a phbb forum is arduous to find the details that match. Again m...
by Mrxyz
Fri Mar 07, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund tiers?
Replies: 24
Views: 1573

Re: Emergency fund tiers?

There are lots of prior threads on emergency funds on this forum. You can search for them by using the search option on the right top corner of screen. Also look up the wiki on emergency funds. I bonds are a good option to consider also. I am not sure about floating rate fund and let someone else co...
by Mrxyz
Fri Mar 07, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund tiers?
Replies: 24
Views: 1573

Re: Best car tire air pump?

Hi Many years ago, I used to have a car charger powered car tire air pump which broke within weeks. I wonder if you have any recent recommendations please. Thanks I just buy one for each car, so I always have a spare and I have a foot pump for the bikes. I have a pancake compressor for air tools, b...
by Mrxyz
Thu Feb 27, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Best car tire air pump?
Replies: 17
Views: 1390

Best car tire air pump?

Hi

Many years ago, I used to have a car charger powered car tire air pump which broke within weeks.
I wonder if you have any recent recommendations please.
Thanks
by Mrxyz
Tue Feb 25, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Best car tire air pump?
Replies: 17
Views: 1390

Re: Would you invest an emergency fund?

I keep 50% in the bank and 50% in I Bonds. +1 I bond - avoid state taxes, liquid after one year, can be used for educational purposes (have to be in parent's name to be used for children), buy 10G per SS# per year - so may take time to build up E fund. (Also, there are plenty of interesting threads...
by Mrxyz
Fri Feb 21, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Would you invest an emergency fund?
Replies: 30
Views: 2744

Re: Physician FICA return tax implications

southerndoc wrote:Was the 1099-INT attached with the payment? I was expecting to get a 1099-INT but haven't received one yet. Guess I need to dig through the original paperwork to see if it's there.


Yes, I got the 1099 INT which is what I need to file. The corrected W2 are not 'used' for filing 2013 taxes.
by Mrxyz
Fri Feb 21, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Physician FICA return tax implications
Replies: 7
Views: 733

Re: REITs in taxable

Yes, Doc, a little more explanation needed. http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ I'm not trying to dissuade people from using munis in taxable, but the calculation in EmergDoc's blog is a a poor way of making the case for it. In his example, you have stocks returning 8%/...
by Mrxyz
Wed Feb 19, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: REITs in taxable
Replies: 37
Views: 2323

Re: Nice couches are pricey, where I can get them for less?

We just bought 2 leather recliners at Costco for $ 399 and if my spouse would have let me, I would have bought the couch to go with it as well. These are the most comfortable chairs I have sat in ( We have worked with interior decorators, design stores, gone to furniture stores etc sat in the chair...
by Mrxyz
Mon Feb 17, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3868

Re: Son's I bond redeemed and received 1099 INT

Also look at IRS Pub 17. Directing someone who may not be very experienced with tax issues to a 288 page IRS document can't be all that helpful. I have done my taxes for years and the pub 17 is quite easy to read but difficult to interpret at one particular aspect. There are flow charts which also ...
by Mrxyz
Mon Feb 17, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 998

Re: Son's I bond redeemed and received 1099 INT

THANKS TO ALL FOR YOUR PROMPT AND PERFECT HELP !
by Mrxyz
Sun Feb 16, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 998

Re: Son's I bond redeemed and received 1099 INT

How do I find out if a child is required to file or not? Read the paragraph above the one you just read. Or read the other publications mentioned. Here is the relevant part. Single dependents—Were you either age 65 or older or blind? No. You must file a return if any of the following apply. • Your ...
by Mrxyz
Sun Feb 16, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 998

Re: Son's I bond redeemed and received 1099 INT

The answer you posted a link to was correct. a part of your child's 2013 unearned income may be taxed at the parent's tax rate. This may happen if all of the following are true: The child had more than $2,000 of unearned income. The child is required to file a tax return. The child was under age 18...
by Mrxyz
Sun Feb 16, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 998

Son's I bond redeemed and received 1099 INT

Hi, We redeemed my 11 year son's I bond and received a 1099INT for 2013 for interest of $156. Does he have to file taxes on it or does it get included with my taxes? Turbotax help link says no - https://ttlc.intuit.com/questions/2090483-my-son-13-years-old-sold-some-us-savings-bonds But I wanted to ...
by Mrxyz
Sun Feb 16, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 998

Re: Physician FICA return tax implications

I assume you got your refund plus interest, and these are just the corrected W-2. Did you read this thread? http://www.bogleheads.org/forum/viewtopic.php?t=64219 It doesn't concern me, but from what I looked over, the refund of the FICA is not taxed again as it was taxed before (when you work, FICA...
by Mrxyz
Sun Feb 16, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Physician FICA return tax implications
Replies: 7
Views: 733

Re: New Book - White Coat Investor

Congratulation!! Awesome job!
by Mrxyz
Sun Feb 16, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: New Book - White Coat Investor
Replies: 19
Views: 3057

Physician FICA return tax implications

Hi My wife received FICA returns for years 1994-1998. They sent me corrected W-2 for those years which states that the Social security and Medicare wages were previously reported as x amount are now corrected to zero amount. My impression is that we have to pay taxes on these but I am not sure how t...
by Mrxyz
Sun Feb 16, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Physician FICA return tax implications
Replies: 7
Views: 733

Re: Bonds in Taxable??

Most Bogleheads still keep stocks in taxable - http://www.bogleheads.org/forum/viewtopic.php?f=1&t=132582&p=1953272 You could run the numbers yourself to find out which would be best for you. If the numbers are confusing, you could post more info and I'm sure someone would be happy to help ...
by Mrxyz
Thu Feb 13, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonds in Taxable??
Replies: 8
Views: 815

Re: Bonds in Taxable??

Thanks for the response. I appreciate it.

Any thoughts on the 'Trade Spaces' recommendation by tfb?
by Mrxyz
Thu Feb 13, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonds in Taxable??
Replies: 8
Views: 815
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