Search found 499 matches

by Mrxyz
Thu Jun 15, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 287

Re: Utah 529 or Vanguard 529

I love our forum!! Almost immediate quick and perfect answers to all (practically all) of life's questions (starting with 529 of course) !!!! I just use the aggressive age based global investment and don't do any slicing etc. And did not know about the DFA either. But glad I have the 'right' 529 pla...
by Mrxyz
Thu Jun 15, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 287

Re: Utah 529 or Vanguard 529

Utah is one of the best 529 plans in the country. And no, 3 bps is not enough to worry about. That's what I thought. Thanks for the quick reply! So I am advising someone about 529 plans and did not remember WHY Utah is the best plan..........Best because of how well/ efficient they are? Or somethin...
by Mrxyz
Thu Jun 15, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 287

Utah 529 or Vanguard 529

Hi, I have used the Utah 529 for many years based on a lot of reading I had done - most of which I have forgotten . I get state tax break no matter where I invest the 529 monies. Today I was looking up the annual expense ratios and found the Utah one for aggressive path to be 0.20x% while that on Va...
by Mrxyz
Mon Jun 12, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 1958

Deck replacement- Composite material recommendations

Hi
My wood deck is falling apart. I live in the Midwest. Tired of repairing and staining it. What are the 'latest' recommendations for composite deck material?
Thanks
by Mrxyz
Fri Jun 09, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4158

Re: (Very) Early Retirement vs Parenthood

My 2 cents..........and please don't take any offence.... just an opinion..... just a drop in the opinion bucket which is our internet forum.... I think early retirement and parenthood are separate issues to be figured out alone and separately first, and once decided, see how they interact together....
by Mrxyz
Sun May 14, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 277
Views: 43367

Re: Physician Retirement Savings

Three days late and XX dollars short, but... Age: 43 Salary: Lower-middle range of 400-800K Savings rate: 50% of gross income Amount saved: 2.7M Goal: was 4M, now in flux I did not get to 50% savings rate until 2 years ago, despite being a more intentional saver than most of the people I know. Quic...
by Mrxyz
Wed May 03, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and Traditional IRA
Replies: 7
Views: 650

Re: Backdoor Roth and Traditional IRA

So she forgot about the account? She hasn't been getting account statements? I'd make sure that this account exists, and that it contains pretax money, then go from there. If so, then you'll need to file amended returns for each year as far as needed and possible. Thanks. So do I convert this Trad....
by Mrxyz
Wed May 03, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and Traditional IRA
Replies: 7
Views: 650

Re: Backdoor Roth and Traditional IRA

I hope you mean that your DW got the letter today, rather than you. (If it was addressed to you, I am very confused. :? ) IRAs are "Individual" Retirement Accounts. What you do in your IRAs has nothing to do with what your spouse does or doesn't do in hers, although since there can be tax...
by Mrxyz
Tue May 02, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and Traditional IRA
Replies: 7
Views: 650

Backdoor Roth and Traditional IRA

Hi, I remember converting my Traditional IRA to Roth IRA before doing Backdoor Roth for the last 3 years. Today, I get a letter from CapFed that there is a $3591.95 traditional IRA in DW account! They included a form 5498 IRA contribution information, and tells me that "it is not to be used whe...
by Mrxyz
Fri Apr 21, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: No Stress Chess board game for 7 year old
Replies: 13
Views: 1195

Re: No Stress Chess board game for 7 year old

http://www.uscfsales.com/?aw=9&acc=335f5352088d7d9bf74191e006d8e24c Check out the above US Chess Federation store website. Lots of sales etc. Also, amazon has quite a few options. Also, you may also want to look at my prior 'chess set recommendation' thread ; https://www.bogleheads.org/forum/vie...
by Mrxyz
Wed Apr 19, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

Hi all,
FWIW, I was able to get my bonuses today and withdraw the money.
by Mrxyz
Sat Apr 08, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to find estate lawyer for wills/trust?
Replies: 10
Views: 1096

How to find estate lawyer for wills/trust?

Hi,
Is there a method to finding out who is a good estate lawyers for wills/trust? Or is it just word of mouth or is there some sort of qualifications I need to look for? Is there a website which lists them?
Thank
by Mrxyz
Sat Mar 25, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

So, can I sign up my kids using their SS# and if yes, then what happens when the 1099 comes in their names - do they pay taxes or are they don't make enough to be taxable. But then it was my money they used and so the taxes should be paid by me........or........ Update - likely cannot open account u...
by Mrxyz
Fri Mar 24, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

I've been hesitant to do bank bonuses because of taxation. Credit card deals are so much better because they're higher often and don't get taxed. Plus I hate shuffling money around from my accounts with the bank bonuses and having it tied up. I also hate how you have to wait longer for the bonus. I...
by Mrxyz
Fri Mar 24, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. I'm expecting to haul in $2,870 for Q1, just for myself. It's a profitable hobby! Happy huntin...
by Mrxyz
Thu Mar 23, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. I'm expecting to haul in $2,870 for Q1, just for myself. It's a profitable hobby! Happy huntin...
by Mrxyz
Thu Mar 23, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

I have decided that managing short term gains doesn't work for me. It may be because as I focus on a 20 to 30 year strategy I do not have or choose not to have enough time to keep all the balls in the air. I appreciate those who win with this strategy, and I know that I am in the minority on this t...
by Mrxyz
Thu Mar 23, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

I did one of these last year with Cap360 and got a 1099-INT. My wife did this bonus and got the $200 in a week. I've started to pursue these and they really aren't too bad. I can easily split up my payroll direct deposit to go to different banks via online request, so meeting the Direct Deposit req...
by Mrxyz
Thu Mar 23, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

So, You pay taxes on this $200 as Misc. income? And Can you open accounts for husband and wife separately? Got my answers by surfing some more. 1. yes on taxes 2. yes can open more than one account But, new question - can I open accounts with kids names? and what happens to their bonuses ? Do they ...
by Mrxyz
Thu Mar 23, 2017 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 164
Views: 16986

Re: Capital One 360 $200 bonus

So, You pay taxes on this $200 as Misc. income? And Can you open accounts for husband and wife separately? Got my answers by surfing some more. 1. yes on taxes 2. yes can open more than one account But, new question - can I open accounts with kids names? and what happens to their bonuses ? Do they h...
by Mrxyz
Sat Mar 18, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: First time Cruise trip to Carribean
Replies: 6
Views: 617

First time Cruise trip to Carribean

Hi all, Going with family to our first cruise trip to Carribean - Oasis of the Seas. Flying into Orlando, and then to Port Canaveral. Any suggestion on which hotel to stay in Orlando, Do any offer free shuttles to the port? Any other recommendations on how to get to port? Any suggestions/recommendat...
by Mrxyz
Sun Mar 12, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Flooring for Basement
Replies: 36
Views: 2538

Re: Flooring for Basement

I have used this underlayment after reviewing many many others and it is excellent!

http://www.tyrocinc.com/
by Mrxyz
Thu Mar 02, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed too much to backdoor IRA- Any choice but to pay penalty?
Replies: 6
Views: 602

Re: Contributed too much to backdoor IRA- Any choice but to pay penalty?

You don't fix this by paying the penalty. You fix this by taking the excess amount out, which is not complicated. If you don't take the money out, you continue to pay the penalty each year. Right. Paying the penalty does not fix this. The penalty will apply every year until the excess is corrected....
by Mrxyz
Thu Mar 02, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed too much to backdoor IRA- Any choice but to pay penalty?
Replies: 6
Views: 602

Re: Contributed too much to backdoor IRA- Any choice but to pay penalty?

Were contributions made to 2 IRA custodians? If one custodian, the system should not have allowed you to exceed $5500 for the tax year. Was there actually a contribution of $6500 for tax year 2016? Could it have been a $5500 contribution that grew to $6500 at the time of conversion to Roth IRA? Cou...
by Mrxyz
Thu Mar 02, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed too much to backdoor IRA- Any choice but to pay penalty?
Replies: 6
Views: 602

Contributed too much to backdoor IRA- Any choice but to pay penalty?

Hi
I made a mistake and contributed $6500 instead of $5500 to my wife's back door roth for 2016. She is not 50 yet. I realized this when I was doing my taxes and turbotax says there is a penalty of $300 to pay.
Is there anything I can do except pay the penalty?
Thanks
by Mrxyz
Wed Feb 22, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Bought my first individual stock!
Replies: 33
Views: 4083

Re: Bought my first individual stock!

I think such threads always show up when I am thinking about individual stocks which have done good over the years, and I had and have been thinking about investing in them.................and then I read the wisdom of many and ...............I just stick to my completely boring IPS.............3 fu...
by Mrxyz
Tue Feb 21, 2017 11:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1750

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Wow!

Happy Heartday to you!!

(PS- I did not know that- but that's not uncommon.............there is always something new to learn from this forum!)
by Mrxyz
Thu Feb 09, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 9657

Re: Saved too much? What do you splurge on?

Donate money to Bogleheads.org forum !
by Mrxyz
Tue Jan 17, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 4411

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

Okay. I admit. I was tempted recently, now that I have quite a good amount of financial independence (NW 2M)- that I should invest in individual stocks......... :oops: And after reading this thread.............I will stick to my completely boring IPS and 3 fund portfolio! Boo.... spoiling all the fu...
by Mrxyz
Sat Jan 14, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 20162

Re: New SUV, $50G, Pilot/Highlander/Other

OP, are you really using the "get a bunch of internet quotes and pick the best one" method, or are you still walking into the dealership to "negotiate"? Maybe I'm wrong about the Pilot (is it a hot new vehicle or something?), but I bought an Accord last year and it was trivial t...
by Mrxyz
Fri Jan 13, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 20162

Re: New SUV, $50G, Pilot/Highlander/Other

So I have waited for the 2017 Honda Pilot and now hagglint with dealers about how much to pay! EX L AWD with honda sensing has dealer invoice of $35,880 (dealer invoice [is not MSRP] is the lowest a customer can get provided there is no manufacturer to dealer discounts which a customer is typically...
by Mrxyz
Fri Jan 13, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 20162

Re: New SUV, $50G, Pilot/Highlander/Other

Mrxyz, So...did you ever buy a new vehicle? Just wondering how it ended. Thanks! LOL! So I have waited for the 2017 Honda Pilot and now hagglint with dealers about how much to pay! EX L AWD with honda sensing has dealer invoice of $35,880 (dealer invoice [is not MSRP] is the lowest a customer can g...
by Mrxyz
Fri Dec 30, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Give $ money gift to earning child, who moves it to roth?
Replies: 9
Views: 800

Re: Give $ money gift to earning child, who moves it to roth?

So say the child(son) is an engineer (probably should not have used 'child' - suggests a young age) and has some debt and wants to pay it down instead of starting Roth. So a parent gives him $5500 every year (his post tax money) and the son places that in his Roth. Is that okay? Is there any limit t...
by Mrxyz
Fri Dec 30, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Give $ money gift to earning child, who moves it to roth?
Replies: 9
Views: 800

Give $ money gift to earning child, who moves it to roth?

Hi,
Is it possible for a parent to gift money (?Taxes?) to his/her (earning) child.
Child takes that money to start a roth ira.

Basically how to give money to children 'avoiding' taxes?
Thanks
by Mrxyz
Sat Dec 10, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 10444

Re: Warning: BH may be hazardous to your financial health

I am spending way less by visiting this site. E.g. Anytime I have the urge to buy anything like say stocks of a company which I think will do good, even say 5% of my stock AA, I visit this site and in around 15 - 30 min realize how stupid I am and walk away chastised but richer! Not messing with my ...
by Mrxyz
Mon Dec 05, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2903

Re: Shoes for flat-footed over-pronators

Anyone with flat feet, overpronation, and stability issues find particular types of sneakers, casual shoes, or dress shoes comfortable? I'm familiar with some Brooks running shoes like the Beast, though I haven't tried the '16. I'm looking for other running shoes to consider. I'm also looking for c...
by Mrxyz
Mon Dec 05, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2903

Re: Shoes for flat-footed over-pronators

Anyone with flat feet, overpronation, and stability issues find particular types of sneakers, casual shoes, or dress shoes comfortable? I'm familiar with some Brooks running shoes like the Beast, though I haven't tried the '16. I'm looking for other running shoes to consider. I'm also looking for c...
by Mrxyz
Sat Dec 03, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13159

Re: Anybody regretting holding on to your REITS?

Historically they zig when stocks or bonds zag. However, in times of financial stress all assets may decrease. This was true during the financial crisis. However, REITs performed very well during the technology bust of 2000. Hi, Why do they go opposite the stocks and bonds? They don't. You have bee...
by Mrxyz
Sat Dec 03, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13159

Re: Anybody regretting holding on to your REITS?

How have REITs performed historically compared to stocks & bonds? Historically they zig when stocks or bonds zag. However, in times of financial stress all assets may decrease. This was true during the financial crisis. However, REITs performed very well during the technology bust of 2000. Hi, ...
by Mrxyz
Thu Dec 01, 2016 11:16 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13159

Re: Anybody regretting holding on to your REITS?

How have REITs performed historically compared to stocks & bonds? Historically they zig when stocks or bonds zag. However, in times of financial stress all assets may decrease. This was true during the financial crisis. However, REITs performed very well during the technology bust of 2000. Best...
by Mrxyz
Fri Nov 18, 2016 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3813

Re: Valuethinker has surpassed 30,000 posts

nisiprius wrote:By the way, retiredjg is up to 26,680... has he been getting his due recognition?


I think retiredjg is a she - please correct me if I am wrong.
by Mrxyz
Fri Nov 11, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a new/used Mac book Air
Replies: 19
Views: 2168

Re: Best way to buy a new/used Mac book Air

... I believe Bestbuy may also reduce price further with student discount. Specifically, anyone with a .edu email address can sign up for periodic coupons from BestBuy. (Does your school provide email addresses to alumni?) Some of those mailings will have Apple coupons. I've seen $50-150 off, with ...
by Mrxyz
Sun Nov 06, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: How to talk with a housekeeper?
Replies: 49
Views: 5513

Re: How to talk with a housekeeper?

Communication or the lack thereof!!! It's amazing that this problem is so common. I am probably completely wrong in assuming this or upsetting anyone and I apologize in advance but; Just think of it --- you had to ask a forum about how to talk rather than just to go ahead and talk with your housekee...
by Mrxyz
Sun Nov 06, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a new/used Mac book Air
Replies: 19
Views: 2168

Re: Best way to buy a new/used Mac book Air

Hi all,
Though the topic is going a little sideways..............as usual this forum keeps teaching me more and more.........

Paying/not paying state tax is quite interesting and complicated.....

http://blog.taxjar.com/charging-sales-tax-rates/
by Mrxyz
Sat Nov 05, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a new/used Mac book Air
Replies: 19
Views: 2168

Re: Best way to buy a new/used Mac book Air

Adding to my earlier post. The website apple insider has a price guide for many configurations of Apple products from six major retailers. http://prices.appleinsider.com Gazelle buys and sells used Apple computers, phones, and tablets. https://www.gazelle.com. I have not purchased from it. Thanks -...
by Mrxyz
Sat Nov 05, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a new/used Mac book Air
Replies: 19
Views: 2168

Best way to buy a new/used Mac book Air

Hi
Is there a best way to buy a new /used Mac book air?
Looking for a 13 inch, 8 RAM, 256 G Air.

Have looked at Best buy, newegg, Apple, walmart..............any other sites I missed?
Any method other than going online and searching ?
Thanks
by Mrxyz
Mon Oct 24, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new (used) car?
Replies: 24
Views: 2288

Re: Can I afford a new (used) car?

No, this isn't intended to be a humblebrag. It's a statement of facts, and the question that I wrestle with. How much car can I afford. The $600 a month in net taxable savings each month is much, much smaller than I'm comfortable with. It doesn't take much to spend a year's worth of taxable savings...
by Mrxyz
Sun Oct 23, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new (used) car?
Replies: 24
Views: 2288

Re: Can I afford a new (used) car?

Is he asking if he can afford a new (used) car........ or yacht?
Is this a humblebrag ??
Sorry if I am wrong!
by Mrxyz
Fri Sep 09, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: repair 2010 odyssey versus trade in?
Replies: 26
Views: 3008

Re: repair 2010 odyssey versus trade in?

Thanks for the update. FWIW, I have a 2005 Honda Odyssey, 184,000 miles which needs new steering pump, alignment, tires, rear engine mount - around $2.5-3G. I have postponed these repair for a long (6 months/so) while waiting for a new car/SUV. Will likely go for a new 2017 Pilot. But part of me fe...

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