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Iorek

Honestly it's never been clear to clear whether bonds belong in tax-deferred or taxable so I don't worry about it -- I buy i-bonds and then have about 10% on my taxable in bonds.

Iorek

If you would feel worse in 1o years not investing in bitcoin and having it go up 5x than investing it bitcoin and having it go to 0 and you don't need the money then I could see investing in bitcoin. Otherwise a Roth.

Iorek

We visited Cartagena and Santa Marta/Tayrona briefly this year but really enjoyed it. Cartagena was hot though, and they said 2 or 3 cruise ships were due in the day we left, which seems like a lot of cruisers in the old city.

Iorek

I would get Eiffel Tower tix in advance (there can be significant lines for security even if you have timed tix). For other museums I would look into a Paris Museum pass, but you don't need to buy one in advance. You can get them at CDG airport, or at a less crowded museum like the Cluny or St Chape...

Iorek

I have a Spark EV lease and a 240 Volt charger at home. This is a good combo for charging convenience but the car's range has been a limitation for me. if I had 200 miles (vice 80) I would be a happy camper. For ICE we have a small Mazda van. It is absolutely true with a little planning my Wife and...

Iorek

Been enjoying the "oil burner grin" for 6 years now. :mrgreen: Mustang GT? I saw what you did there. :mrgreen: But no, the Mustang has sparkplugs. My DD is a tuned BMW 335d. By "tuned" you mean you illegally modifed it so you can get more power but it no longer meets US emissions standards? No chan...

Iorek

Been enjoying the "oil burner grin" for 6 years now. :mrgreen: Mustang GT? I saw what you did there. :mrgreen: But no, the Mustang has sparkplugs. My DD is a tuned BMW 335d. By "tuned" you mean you illegally modifed it so you can get more power but it no longer meets US emissions standards?

Iorek

"Sorry, Grandma. Can't come to visit over the holidays. You live 140 miles away and my car can only go 115 miles. But, hey, I'm good 95 percent of the time." I would stop on the way to Grandma's and plug in while getting a bite to eat. Problem solved. The problem with this is the public l2 charging...

Iorek

I have an EV with a sub-100 mile range and I love it. I love the torque, I love the one-pedal driving (with regen braking), I love that I never have to go to a gas station and yet the car is always "full." I admit that maybe once a year I will rent a car for a long trip, but that's really no differe...

Iorek

I got chewed out by LL once for calling. Can't remember exactly what was the problem-- either a lack of heat or a lack of hot water and had not gotten any response at all so I tried again and he was not happy to hear from me. Of course realized later that the apt was not up to code bcs it entirely l...

Iorek

Don't forget depreciation recapture (which technically applies so long as could have taken depreciation even if you didn't).

Iorek

Thanks for this post. On a purely numbers-basis the worst financial decision I ever made was probably to sell my first home and not rent it out because it basically doubled in value in about 10 years, but it would have stretched us financially and we weren't interested in or prepared to be landlords...

Iorek

Gill wrote: ↑
Tue Aug 22, 2017 8:34 pm

Iorek wrote: ↑
Tue Aug 22, 2017 8:31 pm
Won't turbotax help with this?
Not really necessary. Just multiply the prior year's tax by 1.1.
Gill

Well yes, but if you have turbotax already I'd probably prefer to just open it up again and print out the vouchers for me.

Iorek

Won't turbotax help with this?

Iorek

Seems odd not to have heated seats in all models since that's a much more efficient way for a EV to warm the passengers compared to generating hot air. This is very much a standard practice in many different car models. Basically in terms of manufacturing cost it is an additional expense to add to ...

Iorek

Seems odd not to have heated seats in all models since that's a much more efficient way for a EV to warm the passengers compared to generating hot air.

Iorek

You can not use the 529 as a prepay for anything except for the semester currently billed. In our time we could not prepay tuition or borrow more than current semester. I'm always looking for arbitrage/hedge angles that drive some BH crazy. :oops: :annoyed :dollar Question, If you can prepay, do yo...

Iorek

Another vote for extension. We ended up using UMass extension (I think because they will test for lead).

Iorek

Someone upthread made a good point though that you can still withdraw from a 529 tax-free even if a grandparent pays tuition directly to the school (at least under current IRS rules, haven't tried to do it in practice yet) I would like a cite to the IRS regulation that permits this. 529 withdrawals...

Iorek

REITs are equities. They pay out earnings because they are required to by law-- just like mutual funds-- but that doesn't make them bonds.

Iorek

Where you choose to save is up to you, but keep saving. This is my feeling as well. I am in a similar situation, with a greater than 50% chance of grandparent contribution. OTOH I know some very smart people who think the 529 is a great means of accumulating wealth and are funding it aggressively f...

Iorek

The pro rata withdrawal makes it unattractive to me as well.

Iorek

Clearly you should be talking with a good account. A good one will always pay for themselves by giving you proper advice and guidance. Agree. I'm sorry for your loss but I would sit down and sort through these issues with a professional (or maybe two, bcs I am not sure if you need both a lawyer and...

Iorek

When we bought a condo our lawyer advised us to get homeowners insurance with whoever insured the rest of the building because that way the two companies can't argue with each other (although you still might not hav coverage in this particular situation).

Iorek

My John Hancock policy cannot raise premiums or reduce benefits. That is almost certainly not true. Most likely you have a policy where JH would have to go the state insurance commissioner and seek permission to raise rates for the entire class of policyholders on the ground that it's needed to ens...

Iorek

Your wife is a nurse and she is subject to a $5k deductible for labor and delivery? That seems screwed up.

Iorek

How about just using t-mobile? Free international data and text... That's what my wife and I use, since we hardly ever call out. Using the iPhone for messaging back home and GPS on the road, or searching for resturants, hotels, and so forth... It's not practical for most people (including myself) t...

Iorek

We try to fly economy plus for long flights and to find frequent flyer business class tickets (I've found United to be ok about availability, if you are flexible and willing to keep checking repeatedly beginning months in advance)

Iorek

There was a period in the 90s when all forms of income were taxed at the same rate. Made many tax policy people happy but it didn't last (bcs IMO of the outsized influence of wealthy people, who get disproportionate shares of their income from unearned income, on our political process)

Iorek

I try to tip for beach service and maid service but I agree that one of the reasons I go to an AI (when I go) is to be free of money, not to be worrying about having singles and tipping etc. would never really occur to me to tip at meals.

Iorek

I guess it's personal. If you like REITs and you might want to get back up to 6% if your employer (or your employer's plan) changes in the future then I would be fine with deciding to hedge my risk by cutting back for now but not selling entirely. OTOH if you decide you'd rather not deal with a smal...

Iorek

Not sure how much variation among those places but I think Thailand gets brutally hot and humid in August. You might want to look at planning around climate?

Iorek

First I am truly sorry for your loss. It sounds like you had a great mom and you lost her too soon. Second, the wiki has a good section on windfalls (including inheritances)-- m The basic advice is to put aside 6-12 months in a bank account and the rest in another bank account or CDs and not make an...

Iorek

The IRS is not particularly focused on this area. The key is; are your children receiving compensation for tasks that justify that payment. Somethings are clear and the rest is like many issues in the tax code, very gray. Allowances are clearly not compensation. Generally it is believed that can no...

Iorek

Taking dress shirts to the dry cleaners.

I would never deprive someone of a gadget, and ymmv but I found a no-knead bread recipe (like artisan bread in 5 minutes a day) makes better bread with less effort than a bread maker. Only problem was I was eating too much bread

Iorek

I've never had a loan with a prepayment penalty. I think they may be against the law in MD.

Iorek

Nisiprius, this might be the first time I've disagreed with one if your posts but I can't see why the borrower shouldn't just treat it as another option, calculate the break even point and decide if they will still have the mortgage at that time. In retrospect we will know the "right" answ...

Iorek

I did these loans regularly when I was refinancing every year or two (I've owned the same house for 15 years but probably had 5 or 6 mortgages in that time). I think that the breakeven point was usually somewhere around 7 years-- the mortgage professor website has great calculators for figuring this...

Iorek

Personally I see it as a charging issue. Why would I want to buy a Bolt or any electric car for that matter that I couldn't even drive long distance. It's like buying an expensive but very defective car. Not being able to drive 200+ miles on charge is defective in the same ways as not being able to...

Iorek

Mutual funds are required to value shares each day at a price equal to the fair market value of their assets, so that would ordinarily include both unrealized gain and loss. That is generally considered a feature not a bug of mutual funds. If you poke around you should be able to find M* or other ra...

Iorek

That's pretty impressive that competition has driven the prices down. I will say that without a doubt Schwab (and T Rowe Price) have better customer service that Vanguard, but I rarely need customer service (honestly Vanguard, in 2017 your CSRs really assume without asking that my wife and I share t...

Iorek

I don't have a view of how much "should" be I bonds but I just want to say that when I was starting out I liked i bonds a lot as a vehicle for extra savings because they are tax deferred (or conceivably exempt), liquid, and offer guaranteed but decent returns. It's a good option for money ...

Iorek

my problem is I just want an appliance. I am used to Toyota and Honda reliability and scared to own anything else. They're not perfect but the odds are in my favor. Ok, if you want just an "appliance" then you need to wait a while...a long while! Remember, you are comparing the reliabilit...

Iorek

I think Tesla is under such pressure to produce cars that quality will continue to suffer. I'd get a Bolt now while you can get the tax credit (or don't and leave one for me ) It's amazing to me to see how quickly the level 3 charging network os being built out. 18 months ago there wasn't a single C...

Iorek

I think about how things have changed over the last 20 years and I just don't like the idea of tying my money up for that long (yes I could cash them in, but if I do so I accept an interest rate of 0.10 %). Certainly it could be the case that 3.5% will turn out to be a great interest rate for the n...

Iorek

My impression is that the financial industry has been on a campaign (spearheaded at one point by John Robert before he was put on the Supreme Court) to make it impossible to bring class action lawsuits. The companies have been putting arbitration clauses in every consumer contract and the courts hav...

Iorek

You might want to check out Vroom-- they are like carmax but internet based. We sold a car through them recently and it was both really easy and they gave us a better price than carmax. We just took some photos of the car and answered some questions on their website/app and we had a quote very quic...

Iorek

Merry Christmas Taylor, and thank you for everything-- your service, the reminder of that Christmas, and all you've done since.

Iorek

But if you retire at 55 and don't draw your pension until 60 don't you give up your ability to participate in federal employee health benefits? Do you have a plan for health insurance, esp if the ACA goes away?

Iorek

You should be able to do this. You will probably need the nanny to provide a SS number and to sign something confirming the care/payment but neither should be a problem.

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