Bogleheads.org

6bquick

This all feels really fuzzy for my situation, and I don't yet understand how much rigor to put into this so that it would have a reasonable chance of passing audit. Is the IRS really going to audit someone for $1,000, especially when the claim is highly fact specific and to a large extent subjectiv...

6bquick

Watched "Good Morning, Vietnam" last night. I laughed so hard!! According to IMDB, Robin Williams improv'd ALL of the radio broadcasts. He was so talented. A bit like Full Metal Jacket for me though. The first half of the movie is solid gold. the last half, they get into some anti-war dram...

6bquick

This is probably a silly question, but I was never a big flip flop person in the past. I bought some before a trip a couple years ago and, if my feet were wet, they would squeak so loudly when I walked. I didn't feel like this was happening to other people near the pool though. Is there a brand, ty...

6bquick

Chuck wrote: ↑Tue Mar 02, 2021 12:03 pm
sailaway wrote: ↑Tue Mar 02, 2021 11:58 am How do you define wealthy?
People who own real estate in addition to their primary home.

6bquick

Swivelguy wrote: ↑Sat Feb 27, 2021 2:08 pm
tooluser wrote: ↑Fri Feb 26, 2021 11:16 pmWhat is anti-cash?
A spouse?

Got a legit belly laugh out of this. hats off.

6bquick

Long-term, fixed-rate, low-interest debt is the best inflation hedge I can think of. For those refinancing around 2.0% (or less) over long periods of time, I'd guess that compounded inflation will easily beat that rate. You're paying back that debt with dollars that will be worth much less than the...

6bquick

Wouldn't "in home help" mostly benefit the OP? As in his wife is already doing all the "in home" stuff - so if she's busy with baby #2 and child #1 he won't have to pick up any of the "in home" work stuff? This sounds like a 'back handed gift" to me. Maybe OP's wi...

6bquick

I've always used DW, but only because I thought "The Warden" might offend some of the more delicate sensibilities on the board.

6bquick

Gven the relatively diminutive price of umbrella insurance, I'm legitimately surprised to see the "should I get umbrella insurance" question on a forum DOMINATED by financial worrywarts and chicken littles. This isn't a criticism; as I count myself as one too, but the genuine surprise rem...

6bquick

Gven the diminutive price of umbrella insurance, I'm legitimately surprised to see the "should I get umbrella insurance" question on a forum DOMINATED by financial worrywarts and chicken littles. This isn't a criticism; as I count myself as one too, but the genuine surprise remains.

6bquick

For those like me who lives in a dense urban environment, gas/propane generators are a non-starter due to noise, storage limitations, nowhere safe to keep it while running, etc. I long for the day powewall-type devices are the norm for home backups. Perhaps you and others can expand on this. Exampl...

6bquick

The Cloud can't completely replace in-person commerce. Petrofuels will likely continue to be around for a long time. Bearer currency will likely continue to be around for a long time. Buying useful stuff may offer more ballast than bonds. Location selection matters when choosing where to reside. x2...

6bquick

My wife pokes fun at the places I squirrel away physical cash. I have a C note between my the back of my phone and it's case, a C note in the ashtray of my truck, 5 or 6 C notes "hidden" in my wallet for discretionary emergent use, low 5 figures on the premises. I also visit the ATM biweek...

6bquick

I think this is low risk and you will be fine. It would be unreasonable to expect someone to have records going back 25 years. Tony I am FIRMLY in this camp as well. I have to keep tax records for 7 years... except my 8606 et al. which I have to keep until I die? :oops: Why keep Form 8606 until you...

6bquick

You did a good job answering your own question. I keep a folder with all these documents for all years. These are copies in this folder with the originals in the appropriate year. I also have a handwritten chart in front to help me keep track of the movements. You're a better person than I. Fortuna...

6bquick

You did a good job answering your own question. I keep a folder with all these documents for all years. These are copies in this folder with the originals in the appropriate year. I also have a handwritten chart in front to help me keep track of the movements. You're a better person than I. Fortuna...

6bquick

And, I checked reddit wsb and etc where people made 1000%+ gain over night and enough money to retire in few days. The thing that always keeps me 'staying the course' is the sheer volume of capital required to 'ante' in order to achieve these 'life-changing' sums. assuming your 1000% gain overnight...

6bquick

The meltdown of the WBS kids over a few brokers no longer allowing buying is effectively proof that this is/was a speculative bubble. For any other company, you assume that trading halts just delay your ability to transact, but they don't significantly affect the price. The company is still the com...

6bquick

windaar wrote: ↑Fri Jan 22, 2021 6:22 pm "Gorilla Tape" is as good as it gets for duct tape.

+1

6bquick

Am I the only annoyed by Dave’s really poor math? He constantly will round up or down - whichever way he needs to make his suggestions sound better. So if it’s income and you make 100k per year he will say you bring home 9k per year. He often ignores income tax. And then he says you should make 10-...

6bquick

OP, The journey is the reward. KlangFool This is very insightful. At the risk of waxing philosophical, we all only get one go-round on this ride and for most it ends too soon. So enjoying/embracing/appreciating the routine and monotony that is life IS success. Admittedly, its easier said than done ...

6bquick

I've had good luck with this card in a few ways. First, when the annual fee posts I call and request any deal or credit they have. This time they had a $50 credit for spending some small amount. In the past when there was no credit I have downgraded to the free card and sure enough within 6 months ...

6bquick

As a single woman without children, I can tell you why we burn out faster. Decades of picking up the slack while mom and dad go to their kids' music recitals and take them to the doctor. Parents have a built-in excuse why they need time off around Christmas, Thanksgiving, Spring Break, and summer. ...

6bquick

As a single woman without children, I can tell you why we burn out faster. Decades of picking up the slack while mom and dad go to their kids' music recitals and take them to the doctor. Parents have a built-in excuse why they need time off around Christmas, Thanksgiving, Spring Break, and summer. ...

6bquick

This discussion began with the (apparently novel, to many) proven fact that single women burn out fastest. I told you why. On behalf of parents everywhere, let me say a heartfelt THANK YOU for picking up our slack at work. I think calling parents slackers as a general rule is painting with a rather...

6bquick

Triple digit golfer wrote: ↑Wed Jan 20, 2021 10:08 pm It's a horrible emergency fund.

That doesn't mean your plan is bad. But as an emergency fund, VTSAX is a horrible choice.

Because of what it is specifically (a total market index) or generally (equities)?

6bquick

Personally, I'm not buying into the mobile homes business; it's a product in general I disagree with. More specifically, what about mobile homes do you disagree with? I don't know enough to have an opinion one way or another, just curious. Mobile homes are an item that, largely, few to no one shoul...

6bquick

gr7070 wrote: ↑Wed Jan 20, 2021 10:45 am Personally, I'm not buying into the mobile homes business; it's a product in general I disagree with.

More specifically, what about mobile homes do you disagree with? I don't know enough to have an opinion one way or another, just curious.

6bquick

Can anyone confirm that is their understanding too? Well, I definitely can't confirm anything, but I can tell you that I'm doing the same thing. 100% remote 1099 work for an out-of-state company and I have zero intentions of filing a state return in the company's state. I honestly never even though...

6bquick

Some of the responses on here about 'Bogleheads being in a bubble/not in the real world' remind me of the seemingly infinite number of NYT et al. articles about how "XYZ" is disproportionally affecting the poor. While it's true, I just don't see the point of publishing drivel like that. Li...

6bquick

It's the only truck made anymore available with a manual transmission, which is why it is in my top 3 candidates for replacement of my existing truck when it dies.

6bquick

This is the most relevant 53 seconds of this thread

https://www.youtube.com/watch?v=ucQKNkvzQ3g

**in case you don't want to smile, it's Jeremy Clarkson talking about rental cars.

*EDIT: gotta give credit where due... PandemicBangs beat me to it upthread. Great minds...

6bquick

44070dart wrote: ↑Wed Jan 06, 2021 4:03 pm thanks gents.. that's why you ask questions.. going for the 2.25 refi for 15 years and just make extra principle payments.

Thanks for replying with how the story ends, if you will. That's missing a lot of times. Appreciate it.

6bquick

Wife: 2016 Odyssey
Me: 2005 Colorado

Obviously we are function over form at this stage in our lives lol

6bquick

novolog wrote: ↑Tue Jan 05, 2021 11:13 pm A drug I can’t live without

not to nitpick, but Apidra or Humalog would probably do the trick, in a pinch. pinch.. get it? I'll show myself out....

6bquick

But... using an amortization calculator, at a 3.5% rate on a 30yr mortgage, after year 18, or 60% of the term, 80.7% of the total interest has already been paid and 52.7% of the principal remains. Like I said, your post makes sense to me, but so does Edelman's claim that the bank has already dispro...

6bquick

I don't necessarily agree with his "carry a big ol' mortgage as long as humanly possible" philosophy, but Ric Edelman would say to absolutely not pay off your mortgage, and in your situation, it's about the most logically sound reason he's got. because of how a mortgage amortizes, interes...

6bquick

I don't necessarily agree with his "carry a big ol' mortgage as long as humanly possible" philosophy, but Ric Edelman would say to absolutely not pay off your mortgage, and in your situation, it's about the most logically sound reason he's got. because of how a mortgage amortizes, interest...

6bquick

Ours posted to our credit union. 600x2. Big whoop. I initially had the same thought. but, I've since decided to be very grateful that an unexpected, not-insignificant amount of money has next to zero effect on our financial well-being. Sadly, I think there are many Americans for whom this $1200 is ...

6bquick

Ours posted to our credit union. 600x2. Big whoop. I initially had the same thought. but, I've since decided to be very grateful that an unexpected, not-insignificant amount of money has next to zero effect on our financial well-being. Sadly, I think there are many Americans for whom this $1200 is ...

6bquick

Sounds like you all have rentals with tenants that pay. I have a rental in Palmdale Ca, and our long term renter (12 yrs) has not had to pay since July. Turns out that all he had to do was declare he was affected by Covid and per the city moratorium he cannot be evicted for non payment of rent, and...

6bquick

It was a good article. It strikes me that the economic effects of the pandemic are so sharply disproportionate. The "have nots" ineligible for unemployment, parents of kids who can't go to school, etc. People are suffering. Meanwhile, many here continue to count and recount their climbing...

6bquick

Sounds like you all have rentals with tenants that pay. I have a rental in Palmdale Ca, and our long term renter (12 yrs) has not had to pay since July. Turns out that all he had to do was declare he was affected by Covid and per the city moratorium he cannot be evicted for non payment of rent, and...

6bquick

Sounds like you all have rentals with tenants that pay. I have a rental in Palmdale Ca, and our long term renter (12 yrs) has not had to pay since July. Turns out that all he had to do was declare he was affected by Covid and per the city moratorium he cannot be evicted for non payment of rent, and...

6bquick

3756.00

6bquick

I do hate changing spark plugs in aluminum heads!!

6bquick

2 under 4 right now, girl and boy, respectively. clothes and toys for either are minimal expenses for several reasons. we cook mostly, so food is slightly more expensive, but not much. 3br house hasn't changed. did 'have to' get a bigger car, but did so used and frugally, no biggie. daycare is our b...

6bquick

Sure. If you bought a house this year, you were negatively impacted by the rise in home prices. Unless you also sold a house, in which case you were positively impacted by the rise in home prices. And if you neither bought nor sold, you weren't impacted by the rise in home prices at all . In any gi...

6bquick

If your investments make 9% and inflation is 3% that would make real return 6% but if your cost of housing is up 10% that makes a much bigger difference than the price of some other commodity. Sure. If you bought a house this year, you were negatively impacted by the rise in home prices. Unless you...

6bquick

TheTimeLord wrote: ↑Tue Dec 29, 2020 10:47 pm
6bquick wrote: ↑Tue Dec 29, 2020 10:34 pm
athan wrote: ↑Tue Dec 29, 2020 10:29 pm
imbogled wrote: ↑Tue Dec 29, 2020 7:43 pm “Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.” —Marie Curie
Didn’t she die from radiation exposure? Maybe she should have had some more fear...
this made me literally LOL.
huh.

huh.

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