Bogleheads.org

I own an S-corp and an LLC and am wanting to do some tax planning for the end of the year. I have gotten pretty good at knowing how much will be "coming over" to my personal returns from the businesses. What I am not as good at is keeping up with when certain deductions phase out, when the AMT start...

Assuming you want electric and cordless

Higher end - Milwaukee

Mid - Dewalt

Value - Hitachi

Treating the windshield with rainX periodically will help even substandard blades perform very well.

Takes very little time to do but I still get lazy and don't do it as often as I should probably. I have a buddy who uses the rainX wiper fluid but I haven't tried that myself.

We live well below our means. As such, over the past few years anyway, I have become increasingly lax in officially tracking our expenses. I would like to change that, for the purposes of future planning at least. Said another way, how will I know how much we will need to live on if I don't know wha...

This has encouraged me to up my game.

At work we have a service that comes on and certifies all of them yearly.

Is that reasonable or necessary at home. Said another way - where do y'all get them and how do you check/maintain/replace them?

Tram runs from crapcaliber to Mandalay Bay every 10 min or so. As such mgm and nyny become easy options. Luxor is acceptable for a room but barely.

If you can rent a car and know how to navigate the back roads behind the properties you can stay almost anywhere.

I am in a spender/saver relationship. My spouse has many redeeming qualities. Fiscal responsibility is not one of them. Long story short she has spent out of our HSA account inaccurately over this past year. Some outright mistakes (grabbing the wrong card I guess) and some instances where she got a ...

Bigger family is creating a need for a larger family vehicle. I am not to proud to get a minivan (probably the most economical choice) but the wife really wants a mid-size suv How do you know you are getting a reasonable price - both for the trade and the one you are buying !?!?!?!?!?!? Edmunds KBB ...

Sounds like I use my truck similar to how you use yours. I considered the gas vs diesel and ultimately went w gas. What tipped the scales for me was the increased cost of servicing a diesel. Although I would like a diesel in some ways I think gas is the way to go unless you haul regularly for work o...

AFLAC rep came through for her yearly deal at work today. Says I should consider a "cancer policy" as my rates will go up next year. Also should consider a "critical care" policy for things like heart attacks (which is certainly in my family history). Generally I stay away from these kind of things ...

I recently got myself away from Ameriprise and shudder to consider going back............... and I wasn't even getting as bad of a deal as they are proposing to you. I would try to leave things alone if you can and educate yourself for a few weeks or months and then decide what is best. Life/Disabil...

I find that I am morbidly curious about the "strategies" that these folks think are market beating. Anyone have any idea? I was thinking the same thing. They seem 100% convinced they are adding value. I recently switched all my $ to the "boglehead way" and my advisor for the biggest chunk was absol...

retiredjg wrote:What does your partner want to do?

Not much as near as I can tell.

I have purposefully kept this as my decision only for now. He has asked a few questions and I have told him my stance but have not tried to convert anyone else. Long term this may well change........

Thanks for all the responses Originally posted by Ted Valentine: I think the way he's acting says a lot. I think your instinct to move it is right. I would not want to do business with someone that responds that way As the day progresses this is exactly how I am feeling Originally posted by halpain1...

Apologies for the length Earlier this spring I was at the library and since I had never really studied up on investing I figured I should. I read Frank Armstrongs "The intelligent investor" and subsequently "The four pillars of investing" "A bogleheads guide to investing" "A bogleheads guide to reti...

I am a newbie too and recently moved everything I had at ej to vanguard and it was quite easy. Much easier than what I am trying to move out of ameriprise that's for sure.

I don't think you will ever regret it.

Good luck. :lol:

I am a total newbie myself. Congrats on finding this site, I'm glad I did! Basically I would say take a deep breath, don't get in a massive hurry to make big changes, and start reading - the books recommended and the posts on here. I love reading the posts on here and everyone (including the authors...

So I submitted paperwork to Vanguard and of course Ameriprise needs their form filled out prior to transferring over to Vanguard. The gentleman I talked to at Ameriprise was actually quite nice but was of course trying to convince me not to move my $ out of Ameriprise. He did not say that the perfor...

So if I am choosing between transferring the money over to a "frozen" simple IRA with Vanguard or a traditional IRA with Vanguard what are the pitfalls I need to consider with each. I have had the simple for more than 2 years so that should not be a concern. Vanguard hasn't offered the simple to tra...

We have an simple IRA plan at my business through Ameriprise. I own the business with a partner so the decisions are not mine alone as far as switching from Ameriprise with the entire plan for him and I and all the employees. It may take some convincing. I plan to investigate this and present it to ...

I only do extract brewing so far. Get most of my stuff from Midwest brewing.

It is fun to see and taste the final product.

Hopefully this isn't a remedial question but here goes... If I transfer all of this over to Vanguard now (just call Vanguard and ask them to get the ball rolling correct?) I am under the impression that the only surrender fee I would have is $30. I am unsure if this is because I have had it for a li...

I will post my entire situation later but am trying to gather some basic information as a neophyte boglehead. Currently my SimpleIRA through work is through Ameriprise. Now work is a business that I own with a partner and we have about 15 employees (about half of which take advantage of the IRA). I ...

Guns, ammo (lots) and seeds = very valuable if things go downhill.

I am a new Boglehead and still trying to get my feet underneath me after realizing how ignorant I have been to be blindly trusting my "financial advisors" Anyway - after a few year hiatus - I am again able to fully contribute to a Roth IRA for 2010 (but need to do it this week) My AA is a mess due t...

Cash it

No way they come back on you and if they did you would have a very reasonable defense. You shouldn't have to work that hard to find/correct their mistakes.

If this is true then I'm best off just doing the 529 - no free lunch right? It did sound like a good deal - lower personal tax by lowering business income AND fund kids college tax free principal and growth. Way to good to be true. This is a guess, but the contribution made would likely not be deduc...

Basically my head is spinning as I have (unfortunately) only recently been exposed to responsible investing. My current financial people have helped me out with some investing that has been good for them though :? I have lots of questions but the first will center around a Coverdell for my 2 kids. U...