Bogleheads.org

lasers

I was just looking at motorized bikes this weekend, dra. I really liked them.

Perhaps the extra charge is for moving furniture?

I agree with what Meg77 said. Do not overdo it and risk losing a great situation. Definitely have both sign the contract.

Mine is probably being overly stingy about up-front costs and then having the "cheap option" end up costing me more. Ha! I am sometimes guilty of that as well. Case in point: I took my son and his friend to the movies to see Star Trek. I had bought discounted tickets at Costco for $8.50 e...

this website is helpful in finding that info:

http://millionmilesecrets.com/hot-deals/

Sorry, you're right, I had 160k in my head as that is my goal. I think I could live fine on 80k per year as well with no mortgage.

Being overly frugal on travel at times. I regretted my stay at the Travelodge in London for 19 pounds per night last year. The substandard experience was not worth it and I can afford much much more. OTOH, there are other frugal experiences that paid off and the place looked fine on their website. I...

wow, looking at that 2 million poll, 7 people retired with 2 mill or more and found it was not enough!

I can't imagine retiring before my mortgages are paid off and kids are all schooled and I can't imagine not being able to live on 120-160K per year with mortgages paid off.

great information here. I usually pull up the weeds, roots and all. Recently, I sprayed some I did not have time to get to and sprayed areas that had been pulled out but may have had some roots left behind. Will see how it works over this season.

My first goal was to have all debts paid off: student loans and car. Achieved that around 1990. Next goal was $1,000,000, hopefully by age 40. Somehow, I didn't even notice when that happened. Next goal was $2,000,000, then each million thereafter. Ultimate goal is 8 figures. I have only noticed pas...

It is difficult to make it in real estate in locations like SF, or where I live in San Diego. This is why I have invested elsewhere, in another state. I would likely sell this place jcw and if you want to invest, find a place where the numbers work out better. As a comparison, one of my properties r...

Congratulations on your retirement and grand RV lifestyle adventure, retiredjg!!! I will echo the others in saying thanks for your contributions and I sincerely hope for selfish reasons that you will continue to be here!

The numerator on the cap rate calculation based on what I read, should not factor in the mortgage cost. So, it would be net annual income minus operating costs not including mortgage = $2400/month x 12 months, divided by purchase price of the property which gives a cap rate of 4.8% for this property...

not sure I understand the Weber grill as a Premium product.... I thought it was basic or mid-level. Maybe there is a specific model? If they are all good, might as well buy the cheapest one. I have a DCS grill, 6 burner with rotisserie and the it was the lowest price I could find for a built in gril...

As of this week, premium seats for the theater are worth it to me. I just saw Jersey Boys (for the third time) but this time in row K, so about 11 rows from the stage, and it was totally worth the $90 or so I paid for it compared to nosebleed seats. Flying above coach class is worth the points to me...

No mention of the Honda Accord? I thought that was the BH car.

I love my early October trips to Park City; I go every year. You could catch some fall foliage although by mid October, it will be waning. Salt Lake should be in good bloom then though! If Mirror Lake is still open, I like doing the one hour drive up there which is gorgeous and then doing the circul...

I was a purist and chose my specialty based on "love". It was very demanding to get into and a grueling work schedule. It took that degree of "love" to get through everything. It is still very rewarding to me 24 years later but I see and understand the pragmatic approach as well ...

interesting thoughts, grabiner..... just what I was mulling over today. I have mortgage interest that I apply to my personal residence and several rental properties and I have been in a rush to get them paid off within 5 years (due to rate adjustment in 5 years). I was thinking today though that it ...

A home that is 1.5x my net worth would cost about 80% of my monthly income in payments. I don't think you can do it by home value to net worth ratio.

I would buy the amount of house that translates to house payment being no more than 30% of my monthly income, as is standard.

All of the above, and more...

-because I can
-I don't trust anyone to provide for me, not do I want to impose on anyone
-I want to live well in my retirement years
-I want to provide for my heirs
-I don't feel I am skimping or compromising my lifestyle now.
-I am paranoid and need a lot of security

Saving the taxpayers money is huge in my book! thanks for the quiet unrecognized work, bfg, and to all the others here who are doing good deeds. I had an under the radar moment just a week or two ago. I passed by a woman I didn't recognize and she spoke out to me and said "hi, your ears must ha...

I had reserved a Tesla and drove one in January. I let go of my reservation because I wanna buy one used in a few years. I just don't need a new car now.

yup, me too. My son is finishing tenth grade and I have saved nothing. I am planning to just pay for it when the time comes up figuring it to be basically another mortgage payment. I hope to have all my mortgages paid off by then so it is a simple transfer of allocation of exiting money.

I am just now doing this with some key points:

I have a higher profit margin
I have a full one year lease
all parents are cosigning jointly and severally
they seem like good kids from good families

I lived at home my first two years of college, waking up to take the 5:30 am bus with a change of bus downtown every morning. It did not hurt my development. I know I missed out on the whole college partying scene but it does not bother me to this day.

I agree with you, swaption.

Your rate of return seems low relative to others' experiences.

My rates have gone up in Utah as well, but only about 2%.

Gnarlyhead Zin was good as well.

Now that you mention it, I miss him too. Hope he is well.

Costco
Verizon
Lands End
Kaiser Permanente
Geico

Feels strange to be on the far end of the spectrum on this one. I don't do it frequently or even regularly, but I do indulge in fine dining many times per year. I'll use a coupon if I can.

Much better than expected, especially considering the divorce. I am at 2x where I had hoped to get to.

[quoteNo offense meant to anyone on this thread or any boglehead; but does being a boglehead mean that you don’t put (or want to put) any effort into any investment??][/quote] LOL, Sally! I love this! I agree with all you stated; that has been my experience as well. I have a colleague who has a brot...

You didn't come across as a woman basher to me. I just wanted to represent the women who have been hit like men have. Sometimes, it feels like "no good deed goes unpunished".

Right, I agree. Many factors, including the right balance of quality and quantity of time, go into raising successful/happy children. Just wanted to give a perspective from a former kid with working parents. I have to say that as a woman, having a working mother had a major impact on my confidence ...

WOW! Just imagine if they wandered into Bogleheads and figured out who you are with snooping; and checked the net worth threads.

Very true, Skiffy. I am still paying child support from my divorce, and I am female. It is not always the man who pays. I also had to pay him off to the tune of about 50K even though I had paid for the house and everything. I also had to pay off his credit cards of about 65K. It was all very expensi...

I also do the same thing when my daughter's university calls me up for a donation. I know someone who works in the development office who told me how much they have marked me for. They must be on crack cocaine or something.

How do they KNOW how much to hit you up for?!!!

I also believe in equal division of inheritance to the kids.

If you are looking to buy it just to sell it for a much higher price in the future then that is iffy. If you are looking at buying it and running it as a business for many years to come then that could be very doable, especially since it sounds like you have a good idea how much work it can be. If ...

I have seen no better outcomes between moms who stayed home and moms who kept working with regard to the kids/families I know.

I like your mindset and approach, bfg. At this point in our lives and with what you describe, there is a lot to risk and little to gain except a formality that I find unnecessary. You can join lives, live together, country to country, but there is no need for legal entanglements that marriage would ...

I would rent it to them at reasonable low market rent and call it a rental. You can at least deduct the expenses you have put into it so that it accrues passively and can offset capital gains in the future when you sell.

"My kids are just getting into college (and I'm in my mid-50s) so I'm hoping that by the time they are out of school, somewhere along with a career, and perhaps married w/kids, that the knowledge that they will inherit a fair amount of money someday (a few million) won't turn them into slackers...

You're ahead of me if you didn't get charged for e-mails to let him know about his mistakes. That's what my cpa did to me.

I would find another cpa.

I was just about to post that, newbeginning.

I sold my home with a "mortgage in lieu of foreclosure". Yes, I became the bank and held the mortgage; if the buyer missed a payment, I could have the house back without going through lengthy expensive legal processes. I only requested 10% down and got an interest rate of 8%. It has gone v...