Search found 532 matches

by Mrxyz
Sat Oct 07, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Musty smell in a bedroom
Replies: 6
Views: 1173

Re: Musty smell in a bedroom

Vapor barrier may be a problem if installed incorrectly. Each situation is different based on how and where the barrier is installed.

Please read this wonderful website ;

https://buildingscience.com/documents/d ... r-barriers
by Mrxyz
Wed Oct 04, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4206

Re: another 2 comma club member

Congratulations!
by Mrxyz
Sun Sep 24, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: High school scholarships
Replies: 9
Views: 911

Re: High school scholarships

https://www.amazon.com/Ultimate-Scholarship-Book-2018-Scholarships/dp/1617601225/ref=sr_1_1?ie=UTF8&qid=1506309058&sr=8-1&keywords=scholarship+book I used something similar to this back in the day when I was that age. Mailed out about a hundred applications and won 2 large scholarships that allowed...
by Mrxyz
Sun Sep 24, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: High school scholarships
Replies: 9
Views: 911

High school scholarships

Hi all, I was told by colleagues that there are 'lots of high school scholarships' which a student can apply for especially if they have the drive, interest and focus to apply for them. Are there any recommended sites for them? Googling gets a lot of subscription sites. Any experience applying or ge...
by Mrxyz
Wed Sep 13, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4816

Re: Milestone Reached - "Quarter Millionaire!"

Congratulations !
And thanks for sharing your story!
by Mrxyz
Mon Sep 04, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 3822

Re: Couple in early 30s, any changes?

Congrats on a truly impressive income at such a young age (or at any age). I would suggest putting your bond holdings in your 401k and putting the equivalent stocks in taxable... especially in your tax bracket. Agreed. Try not to hold taxable bond funds in your taxable account. +1 Let me take a sta...
by Mrxyz
Thu Aug 31, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 12389

Re: 2 comma club (my way)!!

Congrats. I am in a very similar situation you were in a couple of years ago. I am 46 and just got into the 2 comma club in investable assets earlier this year. Amazing that you made the next million in only 2 years. Can you share what you are saving per year and your asset allocation? My AA is aro...
by Mrxyz
Thu Aug 31, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 12389

Re: 2 comma club (my way)!!

Folks, I will not be in this financial status without this forum!! I am on this board more often than any other site except my work outlook. I read as much as I can and try to understand it all. Some things I do not understand like Cruncher's numbers or "should bonds be in taxable".......I understan...
by Mrxyz
Thu Aug 31, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 12389

Re: 2 comma club (my way)!!

Update:

Made it to 2M
His 475
Her 250
Taxable 1300

Does not include paid off home and cars, or kids 529 (3 kids but have only 110k)

Thanks to all!
by Mrxyz
Mon Aug 21, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Just a FYI - I finally got my Merrill Edge accounts taken care of. Will get $1000 for each account of 250k kept for 12 months. August next year.
by Mrxyz
Sat Aug 19, 2017 8:28 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 5866

Re: Home Page Updated

I am not sure but I thought there was a way to go to the last page of a longer thread directly from the Home page. Meaning the page number were tiny clickable squares which are no longer present on the new home page. Was that intentional? Now, I have to click on the post and then find the page - usu...
by Mrxyz
Fri Aug 04, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5998

Re: Anyone else have trouble spending?

Hi, I have similar problems!! I am stingy in many things despite high net worth and will not post most of the details. The question for you is probably to do with safety instead of saving money. 110 miles commute ! - what vehicle will you feel safer/safest in? If you feel you are okay with an older ...
by Mrxyz
Mon Jul 31, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Working on transferring funds in kind to ME. It was quite painless and easy for me. Not sure about complains on some threads about this process... There's always a potential for a hiccup in these things. Generally, my moves from one large custodian to another have been pretty trouble-free. Sometime...
by Mrxyz
Mon Jul 31, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all, Received a flyer in mail from Morgan Stanley today - Bonus of $500 if I meet the following req. for 3 consecutive months monthly total DD of $2500 + OR maintain an average daily cash balance of $50,000 AND Use 2 or more each month of ; check writing, online bill pay, automated clearing hous...
by Mrxyz
Fri Jul 21, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all, Received a flyer in mail from Morgan Stanley today - Bonus of $500 if I meet the following req. for 3 consecutive months monthly total DD of $2500 + OR maintain an average daily cash balance of $50,000 AND Use 2 or more each month of ; check writing, online bill pay, automated clearing house...
by Mrxyz
Tue Jul 18, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So, I am waiting for the ME account process to be completed for the approved $1000 bonus. I have now asked the TD Ameritrade rep to match the ME $1000 bonus..........let's see if that works! I doubt this will work without a competing public bonus to show TDAM, and as I said before, most bonuses see...
by Mrxyz
Tue Jul 18, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have BOA for checking accounts. I have Vanguard admiral funds in my taxable account which I can move easily. I cannot move my IRAs. I know I will have to pay taxes on the bonuses. I have 250G plus x 2 for me and spouse for 2 accounts. I would feel more comfortable with a shorter duration and thus...
by Mrxyz
Sat Jul 15, 2017 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Form to represent spouse in IRS visit
Replies: 0
Views: 324

Form to represent spouse in IRS visit

Hi, I need to visit the IRS for undeclared traditional IRA so that they can tell me what penalty I have to pay. The thread below explains it a little more; https://www.bogleheads.org/forum/viewtopic.php?f=2&t=218005 I tried to look up online and came up with form 2848 to fill out so that my spouse d...
by Mrxyz
Sat Jul 15, 2017 4:26 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

FWIW,
The TD ameritrade bonus offer has dropped to $600 from $1000 for $250 k investment.
by Mrxyz
Sat Jul 15, 2017 12:43 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

pre wrote:^^Great news, thanks for sharing.

ME's not had their $1000 bonus for $200k for quite a while now. Will certainly contact a rep next time time about matching something, myself.
They matched it to $250K and not $200K.
by Mrxyz
Sat Jul 15, 2017 12:32 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have BOA for checking accounts. I have Vanguard admiral funds in my taxable account which I can move easily. I cannot move my IRAs. I know I will have to pay taxes on the bonuses. I have 250G plus x 2 for me and spouse for 2 accounts. I would feel more comfortable with a shorter duration and thus...
by Mrxyz
Mon Jul 10, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90441

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have BOA for checking accounts. I have Vanguard admiral funds in my taxable account which I can move easily. I cannot move my IRAs. I know I will have to pay taxes on the bonuses. I have 250G plus x 2 for me and spouse for 2 accounts. I would feel more comfortable with a shorter duration and thus ...
by Mrxyz
Mon Jul 10, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 70232

Re: Bank of America/Merrill Edge - Preferred Rewards

I am not sure of which money to transfer (IRA vs CMA). I doubt if I can move my IRA as their are institutional.I do not have more than 200k in Roth. I'm not sure what you mean by institutional here. Generally the best accounts to get bonuses in are Roths of course, because the bonus is never taxed....
by Mrxyz
Sun Jul 09, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 70232

Re: Bank of America/Merrill Edge - Preferred Rewards

I am not sure of which money to transfer (IRA vs CMA). I doubt if I can move my IRA as their are institutional.I do not have more than 200k in Roth. I'm not sure what you mean by institutional here. Generally the best accounts to get bonuses in are Roths of course, because the bonus is never taxed....
by Mrxyz
Sat Jul 08, 2017 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 70232

Re: Bank of America/Merrill Edge - Preferred Rewards

Hi all, I recently got involved with money churning and have received a modest 1800$ in total bonuses in the last 4 months or so. I am interested in BOA/ME bonus. I read about it and probably need to call them. I already have a BOA CC and checking account. I am not sure of which money to transfer (...
by Mrxyz
Sat Jul 08, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 70232

Re: Bank of America/Merrill Edge - Preferred Rewards

Hi all, I recently got involved with money churning and have received a modest 1800$ in total bonuses in the last 4 months or so. I am interested in BOA/ME bonus. I read about it and probably need to call them. I already have a BOA CC and checking account. I am not sure of which money to transfer (I...
by Mrxyz
Sun Jun 25, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 2038

Re: If I want to have a safe portfolio in case of...

If I knew with certainty that the market was about to crash, I'd reduce my stock holding to something like 35% or 40%. I would not leave the 3 fund portfolio if that portfolio suited me. Even when you do know something with a high probability of certainty, what actually happens is often different f...
by Mrxyz
Sun Jun 25, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 2038

Re: If I want to have a safe portfolio in case of...

johnra wrote:Go into cash, wait your chance, then come back in.
So cash is better/safer than all bonds?
Selling to get cash will trigger taxes also.
by Mrxyz
Sat Jun 24, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26689

Re: Capital One 360 $200 bonus

So, which bank bonuses are actually 'churnable'? Meaning you get the bonus and you can reapply for them? Is there a list kept by anyone? I have looked at doctorofcredit website already but did not find such a list. Thanks No list I've found. Dr. of Cr. may help.. Depending on your state... Huntingt...
by Mrxyz
Sat Jun 24, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 2038

Re: If I want to have a safe portfolio in case of...

Any chance you will let us know ahead of time about this event? LOL, nice one! Oh, how I wish I can see the future etc etc.......... Again, I am not crazy and definitely not a market timer but I am not sure if I can tell anything on this forum. I can send you a pm though. I am so happy with 3 fund ...
by Mrxyz
Sat Jun 24, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 2038

If I want to have a safe portfolio in case of...

Lets assume, I know of an upcoming event which may affect stocks and cause them to decline significantly. Humor me please, and accept this as a possibility which (at least to me) is real. I know I sound like a crazy person but....... Currently very happy with 3 fund portfolio with no EF, with net wo...
by Mrxyz
Sat Jun 24, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26689

Re: Capital One 360 $200 bonus

So, which bank bonuses are actually 'churnable'? Meaning you get the bonus and you can reapply for them? Is there a list kept by anyone? I have looked at doctorofcredit website already but did not find such a list.
Thanks
by Mrxyz
Thu Jun 15, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 448

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: 448

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: 448

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: 2405

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: 5305

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: 47232

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: 802

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: 802

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 im...
by Mrxyz
Tue May 02, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and Traditional IRA
Replies: 7
Views: 802

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: 1352

Re: No Stress Chess board game for 7 year old

http://www.uscfsales.com/?aw=9&acc=335f ... e006d8e24c

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 ;

viewtopic.php?f=11&t=191275&hilit=chess
by Mrxyz
Wed Apr 19, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26689

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: 1278

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 (and now $300 checking bonus)
Replies: 217
Views: 26689

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 (and now $300 checking bonus)
Replies: 217
Views: 26689

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 (and now $300 checking bonus)
Replies: 217
Views: 26689

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 (and now $300 checking bonus)
Replies: 217
Views: 26689

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 (and now $300 checking bonus)
Replies: 217
Views: 26689

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...