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Re: Arguments for Saving/Investing vs Mortgage prepay

Does she pay PMI? If so, is it likely that this can be eliminated at some point with extra mortgage payments? If the PMI can eventually be eliminated, her return will be much higher than her mortgage interest rate. She should have a healthy EF. Unless her parent can assist in emergencies. If she doe...
by bdpb
Sat Jan 31, 2015 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for Saving/Investing vs Mortgage prepay
Replies: 4
Views: 352

Re: Rick Ferri looking to internationalize his portfolio

Rick Ferri wrote:The more people who hate this idea, the better I like it. :D

Which "people" are you talking about?

TV talking heads? or Bogleheads?
by bdpb
Sat Jan 31, 2015 1:37 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 230
Views: 26364

Re: Roth or Traditional IRA?

Bond yields are much lower than your mortgage interest rate. You should pay down your mortgage instead of investing in bonds, especially since you have so little tax advantage accounts where you should be holding your bonds and any other tax inefficient funds you made decide on. My mortgage interes...
by bdpb
Sat Jan 31, 2015 1:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional IRA?
Replies: 6
Views: 423

Re: What is your portfolio comparison benchmark?

Benchmark? Why is there a need for a benchmark if using index funds? I'm with pkcrafter here, except to add "... index funds and an Investment Policy Statement?" What benchmark should I use for? 20% US total market index fund 10% US SCV index fund 5% US REIT index fund 15% Intl total mark...
by bdpb
Sat Jan 31, 2015 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your portfolio comparison benchmark?
Replies: 10
Views: 689

Re: Roth or Traditional IRA?

Tax Filing Status: Married Filing Jointly Salary: $148,000 (me + wife) Federal Tax: 25% based on salaries but gains in my taxable account may push us above $151,200 and into the 28% bracket? My Taxable Account: $311,101.20 (87.9% of portfolio) Taxable Contribution: 45k Debt: 320k mortgage @ 3.875%,...
by bdpb
Sat Jan 31, 2015 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional IRA?
Replies: 6
Views: 423

Re: Mysterious Fees in my 401(k)

One way this can happen is if you have assets in a BrokerageLink (BL) account. In one of my 401k, I hold assets in the core account which contains institutional funds (not retail mutual funds) and assets in the BL. It used to be that all the recordkeeping costs were baked into the ER of the institut...
by bdpb
Sat Jan 31, 2015 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 10
Views: 704

Re: How do I balance debt v. investing in my situation

I would not give up tax deductible 403b contributions in the state of CA (probably, 9.3% tax rate) before I gave up Roth IRA contributions. If you insist on keeping the cash in your taxable account, withdraw previous Roth IRA contributions to pay of that extremely high 6.8% debt. You are not maxing ...
by bdpb
Fri Jan 30, 2015 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I balance debt v. investing in my situation
Replies: 25
Views: 1280

Re: New to investing, must determine a course of action

If the current home is up for sale and likely to be sold quickly, I don't see a lot of benefit to paying off that mortgage. It wouldn't hurt, but not likely to help much since it will be paid off soon anyway. I would probably just keep the cash on hand in case who knows what comes up. You will get ...
by bdpb
Fri Jan 30, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing, must determine a course of action
Replies: 7
Views: 474

Re: A low fee (~0.30%/year) *LOCAL* advisor?

My parents, who live in the same metro area as I do (St. Louis), may want to use an AUM style advisor. (Portfolio Solutions, home of Rick Ferri, is at 0.37%/year through $3M, 0.20%/year thereafter, minimum $3700/year. They're in Michigan, however.) Portfolio Solutions requires 500k minimum. At that...
by bdpb
Thu Jan 29, 2015 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: A low fee (~0.30%/year) *LOCAL* advisor?
Replies: 9
Views: 1111

Re: How do I balance debt v. investing in my situation

Total retirement assets: 195,000 (divided mainly into my 403B and Roth, and her Trad IRA). Total cash savings: 26,000 Student loan debt (wife): 29,000, 6.8% fixed APR As others have said, don't take from your 403b or tIRA, but you should make an effort to eliminate the 6.8% debt. Tell us more about...
by bdpb
Thu Jan 29, 2015 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I balance debt v. investing in my situation
Replies: 25
Views: 1280

Re: A low fee (~0.30%/year) *LOCAL* advisor?

Try Buckingham.

Esteemed author and forum contributor, Larry Swedroe, is Director of Research.
by bdpb
Thu Jan 29, 2015 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: A low fee (~0.30%/year) *LOCAL* advisor?
Replies: 9
Views: 1111

Re: New to investing, must determine a course of action

I have not been active in investing before. And by that, I mean that I contribute slightly over the max my employer will match to my 401k, and make regular deposits to savings. Debt: Current House: 170k at 4.75%, house is on the market Tax Rate: 28% Federal, No State His 401K: 7% American Funds 205...
by bdpb
Thu Jan 29, 2015 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing, must determine a course of action
Replies: 7
Views: 474

Re: Refinance Math

So unless I have it wrong, even though my monthly payment would go from 1200 to 863, my payments would extend another five years and I would have actually paid more in interest in the end. Is that right? Yes, but you would have made higher payments for ten years. Rerun the numbers and instead of pa...
by bdpb
Wed Jan 28, 2015 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance Math
Replies: 4
Views: 448

Re: Payoff Mortgage with investments in taxable accounts

Absolutely.... 3.0% which gives you tax deductible dollars is like gold. 14 years of inflation will make this look like monthly picnic money. Not if you invest in bonds that earn only 2%. It has nothing to do with inflation. It should be compared to a comparable risk investment, bonds. Listen to an...
by bdpb
Wed Jan 28, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage with investments in taxable accounts
Replies: 22
Views: 1637

Re: Why not a 2 fund portfolio like Bogle suggests

1 - If the SP 500 has been the standard for market performance for the past 40 years, why do many of the Vanguard funds have a substantial international component (timed retirement accounts, etc)? The same question can be asked about ex SP500 US stocks. Why do US funds invest in Small Caps stocks? ...
by bdpb
Wed Jan 28, 2015 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3761

Re: Roth vs. Traditional 401K - with a twist

Now that I know you are in NYC and will leave, I think it is even more compelling to use the traditional 401(k) and not the Roth 401(k). Can you see how NY state and city income taxes figure into the decision? I would also suggest maximizing 401(k) contributions before doing any Roth IRA contributi...
by bdpb
Wed Jan 28, 2015 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401K - with a twist
Replies: 18
Views: 1035

Re: SS Conclusion for Mom...Tell me if i'm right.

I'm not sure how strong prenups are where they live and how much he and she have accumulated since they've been married, but, have you looked at what portion of these after they were married assets might come to her in a divorce. It might make sense to plan for a divorce at some point in the future....
by bdpb
Tue Jan 27, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Conclusion for Mom...Tell me if i'm right.
Replies: 12
Views: 1300

Re: Are we starting out on the right foot? Portfolio Advice.

Our portfolio is practically nonexistent (~$750.00 in 401(k) – just started – and $205,000 in home equity) Debt: Mortgage - $260,000 at 4% for 26 more years (This is 56% of the value of the home) Tax Rate: 15% Federal, 9.3% State - CA New annual Contributions for 2015 $18,000 - his 401k (plus $1,23...
by bdpb
Tue Jan 27, 2015 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we starting out on the right foot? Portfolio Advice...
Replies: 1
Views: 238

Re: Play money- what is your process?

One wouldn't do this in the old days because the commissions would kill you. But today, no commissions and no taxes for the 3 trades I made. But it wasn't a zero cost trade. You did have to pay a bid/ask spread. Admittedly, that's a small number for VTI, but not necessarily for other funds like VSS.
by bdpb
Tue Jan 27, 2015 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 55
Views: 3387

Re: S&P 500 Index Fund in 403(b)

I like simplicity. Currently, I have 100% of my 403(b) with no match invested in (‪SVSPX) SSgA S&P 500 Index Fund – Class N (0.15%). Should I add a small and mid cap fund to approximate the Vanguard Total Stock Market Index Fund (VTSMX) which I hold in my Roth IRA and taxable account? Will it m...
by bdpb
Tue Jan 27, 2015 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund in 403(b)
Replies: 13
Views: 957

Re: Rental Car Prices - is this the new normal ?

Google car rental reviews for the place you're going. You will find multiple web sites that do this. Shop each of these sites. Usually, they will show a table with companies on one axis and car size on the other axis, comparing their prices. Often times you will find an outlier or two that are good ...
by bdpb
Sun Jan 25, 2015 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 71
Views: 5616

Re: Portfolio Year in Review / Books Open for Feedback

Since I manage my portfolio myself and it is generally a sensitive subject with friends and family, Taxable: (2.21%) Cash Equities by size: Large – 78.63% (+3.63%) Mid – 14.13% (-.87%) Small – 7.24% (-2.76%) New annual Contributions $17,500 + ~8,000 (employer contributions) his 401k • Continue to l...
by bdpb
Sun Jan 25, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Year in Review / Books Open for Feedback
Replies: 5
Views: 556

Re: Very Basic Question on Roth IRA - Deadline?

Don't know the context, but there are some five year requirements for Roths.

Opening on 12/31/2014 would start the five year clock earlier.
by bdpb
Sun Jan 25, 2015 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Very Basic Question on Roth IRA - Deadline?
Replies: 10
Views: 655

Re: Bad 401K or Taxable or Mortgage or Car Loan?

15% tax bracket 15 year mortgage at 4.38%, 10 ½ years to go. Car loan $12.5K at 3.9%. Paying $300 monthly. We are currently maxing out my 401K at $18,000 a year and maxing out two Roth IRA’s at vanguard $5,500 each. That leaves us with $3,000 - $5,000 additional funds each year that we can save. I ...
by bdpb
Sat Jan 24, 2015 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad 401K or Taxable or Mortgage or Car Loan?
Replies: 19
Views: 795

Re: Should I sell tax inefficient mutual funds?

Do you make charitable contributions? If so, contribute these instead.

Do you have kids with no income? Gift enough to each kid every year (and have them sell them) so as to have less than 2k of CG. The sale would be tax free. Then make them pay room and board. :D
by bdpb
Fri Jan 23, 2015 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell tax inefficient mutual funds?
Replies: 22
Views: 1469

Re: Taking control - Help check my investment planning work

TAXABLE (joint): 31.374% - 100% US equity The taxable account, I plan to split it between Vanguard's total market index fund and their S&P500 index fund (VTSAX, VFIAX). My 401k will be split between Fidelity Spartan funds - FSITX, FSIVX & FPMAX I'm trying to keep the bond and international ...
by bdpb
Fri Jan 23, 2015 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking control - Help check my investment planning work
Replies: 1
Views: 193

Re: AOTC versus 529 plan [American Opportunity Tax Credit]

The AOTC phase-out runs from $160K to $180K, so as long as your AGI is under $180K, you might get something. Basically, you are high income and a 529 plan makes perfect sense after contributing all the maximums to 401(k), 403(b), FSA, HSA, Roth IRAs, etc. For lower income folks, a 529 plan is just ...
by bdpb
Fri Jan 23, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: AOTC versus 529 plan [American Opportunity Tax Credit]
Replies: 46
Views: 3154

Re: Debt payoff or retirement savings?

Contribute to the IRA. Once the deadline passes for contributing to the IRA for 2014, you can never get it back. The OP may not need to get it back. Will you be saving more than the max available in tax advantaged accounts in the future? If not, then there will be time in the future to make up for ...
by bdpb
Thu Jan 22, 2015 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt payoff or retirement savings?
Replies: 8
Views: 645

Re: AOTC versus 529 plan [American Opportunity Tax Credit]

If you would have told me when we started the 529 plan in 2007 that it would be overfunded because college was so cheap, I would not have believed you. So I hope parents of future college students are encouraged by this example. At least for us, there was no need to plunk down too much money in a 5...
by bdpb
Thu Jan 22, 2015 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: AOTC versus 529 plan [American Opportunity Tax Credit]
Replies: 46
Views: 3154

Re: Newly retired: need help with investments, plan

Age: 60, wife late 40s. Desired Asset allocation: 50% stocks / 50% bonds Desired International allocation: 10% of stocks 1. Am interested to know if changes should be made with the IRA funds. 2. I would really like to delay taking social security until I'm 70. Therefore, if needed for unforeseen ex...
by bdpb
Thu Jan 22, 2015 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly retired: need help with investments, plan
Replies: 6
Views: 1293

Re: Traditional or Roth 401K

What's your state tax rate? Also, it's not so much whether you'll have higher tax rate later in your career as much as what you expect your tax rate to be when you withdraw. The seed vs the harvest is a red herring. If you pay 15% on the seed and 15% on the harvest, it works out the same. It complet...
by bdpb
Thu Jan 22, 2015 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth 401K
Replies: 5
Views: 579

Re: Adjusted Livesoft Income (ALI)

If one gets free health care, then one is not spending money on health care, so I would not add free health care to the ALI. OTOH, if one is paying for health care through payroll deductions, they are spending that money on health care. I think you should include the part of your health care premiu...
by bdpb
Wed Jan 21, 2015 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 31
Views: 3030

Re: Would Appreciate Review and Advice on Personal Investing

Don't buy bonds until you have eliminated the high rate debt. Doesn't make sense to pay 5.5% on your debt when you can only earn 2% on bonds. Any dollars that would have gone towards your 25% bond allocation should go directly towards your debt. It might not even make sense to invest in stocks until...
by bdpb
Sun Jan 18, 2015 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate Review and Advice on Personal Investing Pla
Replies: 3
Views: 404

Re: Late-to-the-gate -- need some guidance

Elsbern, $300,000 plus $25,000 a year for eight years at 7% grows to $771,950 nine years would be $850,987 ten years would be $935,556 You may / may not get 7%, but it is a starting reference point. My money is mostly in vanguard and Fidelity funds, about a 70/30 split. Maybe a little stock heavy b...
by bdpb
Sat Jan 17, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late-to-the-gate -- need some guidance
Replies: 10
Views: 1469

Re: Late-to-the-gate -- need some guidance

I am 62, working very part-time. Husband (75) has good income but keeps me in the dark about where the savings are and how much there is. Tell him to open up the books, or else (divorce, where he'll be forced to open up the books and he'll lose over half of it). I would feel insecure in this situat...
by bdpb
Thu Jan 15, 2015 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late-to-the-gate -- need some guidance
Replies: 10
Views: 1469

Re: HELP!!! with run amok investment board!

Seems dumb, yet typical to me. They mention a high profile name leaving and the names of the new managers, and "in light of this development, the Board has determined that this change was necessary." Is that because of the person leaving or because of the new managers or both? Where's the ...
by bdpb
Thu Jan 15, 2015 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3673

Re: Reassessing AA after 10 years

Traditional IRA to Roth conversion is state tax free in IL. If you contribute 11k to Traditional IRA, you get the fed and state tax break. Immediately convert to Roth and you pay only the fed tax at the same rate as if you contributed to Traditional. You do not pay state tax on this conversion, thu...
by bdpb
Wed Jan 14, 2015 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 1868

Re: Roth Transfer and Funds

I think it makes sense to look at all your money as one pool and allocate efficiently. So, I would not put the same three funds in both taxable and IRA. I would keep the stock funds in taxable and the bonds in your IRA. That way you may pay zero or very little in taxes each year on your investments....
by bdpb
Wed Jan 14, 2015 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Transfer and Funds
Replies: 2
Views: 240

Re: Reassessing AA after 10 years

I am likely going to stay with my Roth and open a new Roth for my wife. I think with my pension and some money I stand to inherit (hopefully way down the road) there is a fair chance that I will need little from my IRAs. Passing them to my daughter in tax-free form probably outweighs tax benefits t...
by bdpb
Wed Jan 14, 2015 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 1868

Re: Need help informing my father he is making a mistake

I'm with you 100%. Do whatever you can to turn him into a Boglehead. I'm guessing you are college educated and certainly Boglehead educated. It's likely the ML guy is not college educated and certainly not Boglehead educated. He likely has only enough education to pass a certificate test. One that m...
by bdpb
Mon Jan 12, 2015 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4917

Re: Reassessing AA after 10 years

IL state tax is now 3.75%. Staying in IL during retirement? IRA, 401k and pension income are state tax free. So, make tax deductible contributions instead of Roth contributions. You are likely not benefitting from a full mortgage deduction, so 4% is high relative to investing in bonds. Consider with...
by bdpb
Mon Jan 12, 2015 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 1868

Re: TurboTax Premier now free (for some)

I was able to purchases Turbo Tax Premier for $0 last night from the link on Vanguard web site. I am a Flagship customer. This price will be available until January 9, 2015. Doesn't appear the Jan 9 date is for Premier for Flagship clients. Jan 9 seems to apply to online TT for non-Flagship clients...
by bdpb
Thu Jan 08, 2015 3:11 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 3928

Re: Portfolio review and tax efficiency questions

Only Debt: Mortgage: $240K at 3.25% Desired Asset allocation: 75% stocks / 25% bonds Taxable (23%) Vanguard Total Stock International (.14%) (5%) Vanguard Small Cap Index (.09%) New annual contributions $5K/ Month taxable 1. At some point, our bond needs will become too great for just TSP, HSA and ...
by bdpb
Wed Jan 07, 2015 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and tax efficiency questions
Replies: 9
Views: 664

Re: Intro & Qs - Paying down debt / Improving cash flow

* * * 8K Signature loan.....10% APR.....$400 mth pymt 6K Credit card.........12% APR.....$500 mth pymt Fed Tax rate......25% State Tax rate......8% My current thinking is to temporarily reduce my pre-tax 401(k) contribs from $800 to 350 a month, netting about $300 (450 minus 25+8% taxes) for more a...
by bdpb
Tue Jan 06, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 14
Views: 2033

Re: Portfolio Assessment? Lurker turned poster

Tax Rate: 25% Federal, 5% State On an annual basis, maximize available retirement account contributions (My 401k, both Roth IRAs) before investing in taxable accounts, and always save at least 15% of gross income annually. Her 401k at Oppenheimer - $4,200 **No match and we stopped contributing year...
by bdpb
Thu Dec 18, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assessment Help - Retirement Foundations
Replies: 4
Views: 705

Re: Looking to move inheritance from high-fee advisor

1) Go full DIY and just put it in a Vanguard account with a few funds that match my allocation What else should I be considering and thinking about here? Thanks for any advice. I would DIY. Take your time, it doesn't have to be done overnight. Keep coming here until you are comfortable making the m...
by bdpb
Thu Dec 18, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3062

Re: Inovative way to maximize company 401K match.

... The 401K is a Roth, I forgot to mention that. I haven't read up much on the coverdale IRA to know if you can transfer them around. The plan was to simply transfer them to traditional IRAs if the kids got scholarships and did not need them. Also we are cash flowing elementary school tuition at a...
by bdpb
Tue Dec 16, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inovative way to maximize company 401K match.
Replies: 13
Views: 1780

Re: Managing a windfall & fixing my high-fee portfolio

All told, you're probably paying an additional 1-2% of your portfolio in Expense Ratios right now. That's like an additional $100-200k a year you're paying third parties. Add that to the 1.25% management fee you pay to the bank of $113,000 roughly, and you may be paying say $250k a year in unnecess...
by bdpb
Tue Dec 16, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managing a windfall & fixing my high-fee portfolio
Replies: 21
Views: 3414

Re: Convince Wife About Value of IRA - Good Resources

Agreed with the sentiment but do you know of any good articles or resources that shows the monetary impact of taxable vs. holding in roth an investment? If you put $10k in a Roth for 30 years and it returns 6%, you will have $57,434 (10k * 1.06^30). If you put the same $10k in taxable and have to p...
by bdpb
Tue Dec 16, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1138

Re: Max out 401k or 2nd Roth?

The one pro of doing a roth for your spouse rather than going back and maximising your 401k is to have a retirement account on her name. What is the pro here? (Assuming you don't end up divorcing (and I'm guessing even if you do end up divorcing?), why does it matter whether you have $X in retireme...
by bdpb
Wed Nov 26, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out 401k or 2nd Roth?
Replies: 5
Views: 473
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