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Flea markets and yard sales are a wonderful place to practice negotiating strategies.

Love flea markets and yard sales. I have equiped several homes with bargins found. I have bought cars, boats and even an airplane with cash. None of the deals would have been possible without cash on hand, and I made a profit on each of these transactions. Cash is Just another tool. It's amazing wha...

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Where do I send the registration check?

This web site educated me. As a younger man I blew through any money that came my way. Discovering the writings of Jack Bogle changed all that. Today I am retired with a portfolio that has taken off like an Atlas 5 rocket this past month. Scarry knowing it can fall to earth again just as quickly as ...

I am confused, I use a Mac with OSX 10.8 (Mountain Lion). Apparently it has built in OCR, can I use any scanner regardless of softwear included?

New subscriber here, thank you Mike.

I spent a lifetime saving for retirement and I have just retired, 12/31/2012. I am in awe of the challenges ahead. Sold the house and 2 vehicles in New England and moved to FL. Have only a vague idea of what to do next. Looking for help, thanks again Mike.

1415.02

It is a Cash Edge problem. If you update tomorrow you probably have the correct amounts.

Thank you sscritic, duplicate post deleted.

I sold my house and will be moving to FL (no state income tax) from MA and now my portfolio could use some help. As a result of the house sale my desired allocation has changed from a desired 40/59/1 stocks/bonds/cash to 18/26/56. 78% of portfolio is taxable. Could use suggestions on taxable bond al...

Flipboard on the iPad.

I have 1 yr income in FDIC Bank Emergency Fund

JDCPAEsq wrote:In calculating the tax, are you adding the gain on sale to your other income to determine the marginal tax caused by the sale?
John

No, just trying to determine Capital Gains tax on the house sale at this time.

Thank you all, 20+% sounded to good to be true!

When I did the tax computation on Turbo Tax, it did not include any personal income. Only the home sale proceeds, does it matter? I think I will be taxed on capital gains, not increased personal income taxes (earned income), yes?

OK guys, I know you eat this stuff for lunch. Just posted another thread on taxes and math re sale of primary residence. Perhaps you could chew on that for a minute while I try and comprehend what you all have replied here! Thank you all. Moderators; should I have posted both questions in the same t...

I am attempting to determine the after tax net and rate of return on the sale of a primary residence of 36.5 years. $1,100,000 Sales Price $ 45,000 Cost basis $ 81,479 Improvements $ 24,650 Depreciation taken since May 6, 1996 (Home office deduction) When I plug it into Turbo Tax it comes up with: $...

Livesoft, I am oblivious to tax implications, it has always been my thought not to pay more than required. Is there a formula to determine the after tax Bond yield ?

Thank you Dave. I have corrected the percentages, small changes. I am considering exchanging the MA Tax Exempt for the Vanguard Tax Free fund after moving to FL. Thank you for the WIKI info on tax implications, I am going to look that up. I appreciate the time you took to help me out. The question o...

I have a signed Purchase and Sales agreement to sell my primary residence for about the same amount as my current portfolio value. (six figures) I am retiring after the sale, I will be moving to a second home in FL which is paid off. I have no more tax advantaged space. What to do with MA Tax Exempt...

I would really like to thank Jack Bogle, all the Bogelheads, moderators and Talor Larimore in particular. I am attempting to give back what I have learned on this Forum to other Bogleheads. It is comforting to know that if I screw it up others more knowlegible than I are quick to respond without ran...

Here are ten 2012 reviews for password manager softwear. http://password-management-software-review.toptenreviews.com/ If RoboForm is number 1 then this stuff has a long way to go, in my opinion. I really would like to have a conservation regarding on line security with those who know what they are ...

I am trying Roboform for free with 30 day trial. http://www.roboform.com/everywhere
So far I'm not happy with my login info on the cloud.

KISS - (Keep it Simple Stupid) :D Emergency Fund : Roth IRA To start your Emergency Fund, save up to $5000 a year in a Roth IRA. Contributions (not gains) may be removed, tax free, at any age, without penalty. US Government debt (Treasuries) or FDIC insured deposits would be appropriate here. Additi...

No
The objective is to have no debt. Increase savings.
Continue reading the Wiki.

This stuff is not rocket science.

Net Worth = Assets (savings) - Liabilities (debts)
The objective is to create a large positive Net Worth as quickly as possible.

Pay down the debt (6.8%) after maximizing tax differd space.

Absolutly - if your talking about Net Worth.

Different Asset Allocations: retirement, education, downpayment, may or may not contain cash.

Suggest 2 years FDIC insured E fund, less (your Roth IRA + Wife Roth IRA). Roth IRA contributions may be withdrawn at any age without penalty if necessary. Then max out any tax differed savings options you may have, 401K etc. The tax differed options expire each year, use it or loose it. Welcome to ...

Thank you all. Special thanks to birdy for starting this topic. I am in a similar situation with my 95 year old father who lives in Florida. I am selling my house and giving up my business up north to be near him, family first has been my guiding principal so far. With this thread and all of the inf...

Google is the worst for loading up my computer with unwanted "cookies." I choose to delete all cookies after every online session. For those who choose to delete "cookies" you will have to go through the email 1 time password each time you log on to Treasury Direct. Vanguard, my ...

I find NBC streaming ipad app to be horrible. Perhaps in 4 more years they may get it right.

I have a seperate Ally FDIC Insured accounts for: estimated tax liability and emergency fund. After selling my home (P&S signed) I will add an additional FDIC account for new home. Currently own three clunkers, 92 Carolla with 50K miles; 97 Tacoma, 250K miles; 97 Grand Cherokee, 150K miles. Car ...

Am I the only one without an "Account Represetitive"? I certainly don't want one.

Absolutly.

Nearing retirement I am now comfortable with my IPS and Asset Allocation. Set and forget. Investing is boring.

I find myself much more interested in watching the slow motion train wreck going on in Europe, coming soon to a country near you !

AOPA, AIrcraft Owners and Pilot Association would be a wonderful source of information. Great information from student pilot to professional pilots in General Aviation. AOPA.org is the web address. They want you to join but there is a lot of free information on the site.

93 Carolla 45K
97 Tacoma 210K
97 Jeep Grand Cherokee 153K

I'd rather have a root canal then buy a car!

I use a Bank of America "Shop safe" account number which is good for one transaction and I set the time limit, usually one month. Citi has a similar feature.

My Dad purchased a new Mac Book Pro with Mac OSX Lion just to be able to continue using the 2007 Quicken for Lion. Mac OSX Lion is really horrible and the new computer is going back to Apple tomorrow. He will continue using the original Quicken 2007 on his 6 year old Mac Powerbook until Quicken no l...

Getting burned is the tuition you pay to learn you were doing it wrong. Me: Doc, it hurts when I do this. Doc: Don't do that. Started working for MLPFS (Merrill Lynch) part time evenings while going to college. My job was to tear trade confirmations off the printer and seperate them. Along with con...

I would plan on keeping about a third in TIPs and giving the rest to Bill and Melinda Gates foundation. They could do more with the 70% than I could.

I am sure a few here have more than 36 months available for such contingencies.

I am the dumbest person I know. Finished at the bottom of my High School class, flunked out of collage, damn near killed in the Army, married a women with no ambition. I wasted a lot of money on airplanes, boats and house. However I always worked for myself and lived below my means and saved a littl...

I currently have four months worth of expenses for my familys emergency fund. I am considering keeping two months worth in my money market account. I am considering placing the other two months into the Vanguard Total Bond Index Fund. My wife & I also have Roth IRA's that I suppose we could use...

From the Wealthy Barber I learned to pay myself first at an early age. Started with 10%, now over 50% savings rate. Have not retired completely, but do Snowbird ( Florida for 3 months) each year. I do check cash flow monthly, don't believe that is budgeting. Love the feeling of being able to spend a...

By taking the parent on as a dependent, the parent's medical expenses also become their medical expenses. I would say this is quite unusual. Don't elderly usually live on their own income and pay their own expenses?

Not for parents who outlived thier resources.

I also am self employed, 66 differing SS till 70. No pension, not enough retirement savings. I have no problem LBYM while working, 50% savings rate, no debt Living below my means in retirement doesn't look good. I have been fortunate to be able to hand off responsibility to my partner during the off...

What is the minimum (monthly) balance requirement for Vanguard Money Market?

I have been using Quicken for Mac or 17 years, since 1994':D'.
Still using 2007 Quicken for Mac as Quicken Essentials is a looser. It is my understanding that Quicken will not be available for the new Macs because of operating system upgrade.

What to do?

I asked BOA to exchange my Visa Debit card to a plain ATM card.
ATM card looks like same red card; replaces the Visa logo with "ATM"

Problem solved, we are meeting with an attorney my wife trust implicitly. A high school girlfriend with over 20 yrs MA Estate planing expirience. She doesn't use canned softwear, each plan tailored to client. Works for me! Thank you all for your words of wisdom, insight into this planing process. I ...