Search found 2340 matches
- Thu Jun 14, 2018 10:21 am
- Forum: Investing - Theory, News & General
- Topic: Schwab's market predictions next 10 years
- Replies: 20
- Views: 3624
Re: Schwab's market predictions next 10 years
Well at least they don't say 10%-12%
- Fri Jun 08, 2018 9:06 am
- Forum: Personal Consumer Issues
- Topic: FB
- Replies: 356
- Views: 42983
Re: Anyone Deleting Facebook?
I only facebook in my old high school facebook group. Can all the world read that or just folks in the group? I think you have to join the group to read it.
- Fri Jun 08, 2018 8:54 am
- Forum: Personal Consumer Issues
- Topic: Death - Prediction
- Replies: 63
- Views: 5454
Re: Death - Prediction
No male in my family has lived past 77. I don't plan to either. I am younger but I think God is telling me I won't. It does come with a benefit it makes retirement planning easier than others have it.
- Tue Jun 05, 2018 10:19 am
- Forum: Personal Finance (Not Investing)
- Topic: New SS claiming calculator ["Open Social Security" - ObliviousInvestor]
- Replies: 65
- Views: 10390
Re: New SS claiming calculator
Ok but males in my family do not tend to live long. I checked smoker because of that and I don't smoke. See the problem with it? I wish I could pick my death year.ObliviousInvestor wrote: ↑Tue Jun 05, 2018 10:12 amIf you're an "average joe" the default SSA table is a good fit. Mortality rates for average joes is what the SSA table provides.
- Tue Jun 05, 2018 10:10 am
- Forum: Personal Finance (Not Investing)
- Topic: New SS claiming calculator ["Open Social Security" - ObliviousInvestor]
- Replies: 65
- Views: 10390
Re: New SS claiming calculator
I wish it allowed you to guess your death year. What average joe knows the tables they use?
- Wed May 23, 2018 11:01 am
- Forum: Personal Consumer Issues
- Topic: Root canal/Crown for a tooth that was worked on 6 months ago.
- Replies: 11
- Views: 1760
Re: Root canal/Crown for a tooth that was worked on 6 months ago.
My mother went to a dentist 15 years ago he told her she need 3k of work done. Went to another dentist did $300 of work. She has been working them fine ever since. So you know what I think.
- Sun May 20, 2018 11:07 am
- Forum: Personal Finance (Not Investing)
- Topic: Finance a $28,000 house for Brother?
- Replies: 73
- Views: 7376
Re: Finance a $28,000 house for Brother?
I didn't know you could buy a $28k house, which didn't need to be condemned. There are homes for sale for $8,000 (move in condition) in my childhood hometown. Some people live there drive $40k cars, live in $10k homes. Crazy ain't it? Which town if you don't mind. I assume you are doubting the prices. I don't know where the OP lives, but there are numerous towns in the rural Midwest where this is the reality. Take a look at Woonsocket, South Dakota on Zillow. There's nothing for sale right now, but there are homes that have sold in the last decade or so in the teens and low 20s. There are some in the 4 figure range, but they are mobile homes. Which makes me ask... OP, is this a mobile home? Because mobile homes don't appreciate like a regu...
- Sat May 19, 2018 7:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Finance a $28,000 house for Brother?
- Replies: 73
- Views: 7376
Re: Finance a $28,000 house for Brother?
Which town if you don't mind.DanMahowny wrote: ↑Sat May 19, 2018 4:50 pmThere are homes for sale for $8,000 (move in condition) in my childhood hometown.
Some people live there drive $40k cars, live in $10k homes. Crazy ain't it?
- Wed May 16, 2018 8:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Retirement Communities w Great Weather and Low/No State Taxes?
- Replies: 12
- Views: 2664
Re: Retirement Communities w Great Weather and Low/No State Taxes?
Maybe somewhere like Reno?hawkfan55 wrote: ↑Wed May 16, 2018 4:39 pm Newly retired and looking for recommendations on retirement communities located in areas where one can live year round. Not too hot in summer or too cold in winter. Also want low or no state taxes on retirement savings withdrawals. Good healthcare and low crime also wanted.
Thought maybe northern Florida?
Thanks for your ideas!
- Wed May 02, 2018 1:05 pm
- Forum: Personal Consumer Issues
- Topic: Have you quit eating sugar? Tell me how!
- Replies: 129
- Views: 17694
Re: Have you quit eating sugar? Tell me how!
Sugar is hard to resist. But I started with eliminating soda, then reduce the sugar amount in my coffee and tea very slowly and over long time. Now I drink coffee with no sugar. I don't mind tons of fruit, the water in it will get you full before the sugar surges in your blood. Ice cream is a problem so i started to buy those small cups and mini sizes. You can buy mini candy as well. It all start with the brain. My brain becomes trained to feel the dangers of every bite of junk food I eat. +1 That is what I did with soda coffee and tea. The sodas you just stop but to drink coffee or tea without sugar that took me awhile. I did over a couple months. I like the other guys idea of very dark chocolate with low sugar for the candy loves. I was ...
- Wed May 02, 2018 9:29 am
- Forum: Forum Issues and Administration
- Topic: Making it easier to track posts from the OP
- Replies: 51
- Views: 11121
Re: Making it easier to track posts from the OP
Just an idea how about making the OP box light red then it would be easy to know them by. The rest of us all have a blue box.
- Wed May 02, 2018 6:57 am
- Forum: Personal Consumer Issues
- Topic: Have you quit eating sugar? Tell me how!
- Replies: 129
- Views: 17694
Re: Have you quit eating sugar? Tell me how!
I think the best way to quit is to reduce it slowly then quit. Start with one less piece a day. That is how I did it.
- Mon Apr 30, 2018 8:46 am
- Forum: Personal Consumer Issues
- Topic: First credit card
- Replies: 21
- Views: 2370
Re: First credit card
Will a secure card for the credit union work? They way they will be on their own from day one. Has anybody gone that route?
- Sun Apr 29, 2018 10:27 am
- Forum: Personal Investments
- Topic: Newly widowed and waay out of my league
- Replies: 41
- Views: 7923
Re: Newly widowed and waay out of my league
My husband killed himself recently. Fortunately, he left me in relatively good financial shape. Unfortunately, dealing with the suicide has left me barely keeping my head above water and with mush for brains. On the advice from wealthy people, I moved $490k to Schwab from UBS. I am 62 and am receiving a small amount of money from Social Security. I currently have a small part time job which isn't enough to live on. However, my house is paid for and my expenses are low. I told my financial adviser at Schwab that I wanted to invest in a way that would help me plan for the future as well as allow me to receive dividends and interest to supplement my income. Half of the money was invested in Thomas Partners and half with Schwab Intelligent Por...
- Wed Apr 25, 2018 11:04 am
- Forum: Personal Consumer Issues
- Topic: Is my computer obsolete?
- Replies: 60
- Views: 7654
Re: Is my computer obsolete?
My computer has around the same specs as your's and I love it. I am guessing it will last you several more years. If you can update to windows 10 it will last until 2025. If not then extended support is still ongoing until January 14, 2020. That's the date Microsoft will stop issuing new security updates for Windows 7.
- Sun Apr 22, 2018 7:15 pm
- Forum: Personal Consumer Issues
- Topic: Car driver's power window - problem - ideas?
- Replies: 13
- Views: 1934
Re: Car driver's power window - problem - ideas?
I did that to my car it helped it work smoother.rama13 wrote: ↑Sun Apr 22, 2018 5:34 pm Sounds like it might be binding up a little bit. Spray the tracks with some silicone spray (be liberal with it) like this guy: https://www.youtube.com/watch?v=cl-7LtQuRfs
- Sat Apr 21, 2018 11:20 am
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
Re: Is Los Angeles a good place long term to live financially?
Is Downey rough home of the Carpenters?dustinst22 wrote: ↑Sat Apr 21, 2018 1:18 amIn some rough areas, like South Gate, Downey, or East LAClever_Username wrote: ↑Sat Apr 21, 2018 12:13 am$300k buys something in the L.A. real estate market?
- Fri Apr 20, 2018 8:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: “The Smell of Retiree Mon$y...”
- Replies: 57
- Views: 12235
Re: “The Smell of Retiree Mon$y...”
This story reminds me of a family story. A priest we knew called our home for the first time in twenty years. He asked for the name and address of a relative that was a widower. We decided not to give out that information. The priest told us he was trying to get a list of widowers together. Our family was shocked at the way this was done.
- Fri Apr 20, 2018 8:17 pm
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
Re: Is Los Angeles a good place long term to live financially?
I was looking around LA real estate shocking to see what 300k buys wow.
- Thu Apr 19, 2018 7:39 pm
- Forum: Personal Investments
- Topic: Need help with small Roth IRA
- Replies: 6
- Views: 1166
Re: Need help with small Roth IRA
Not working right now.PFInterest wrote: ↑Thu Apr 19, 2018 2:42 pmtotal stock.rec7 wrote: ↑Thu Apr 19, 2018 12:26 pm I have a small Roth IRA about 5k not sure what to invest it in. Outside the Roth I am invested about 65/35 Right now the Roth is in the Wellington. Not sure what to do with it since it is a small amount. I have looked at the balanced fund and the total stock market for all of it. Just not sure what to do. Not crazy about bonds right now. It is not enough money for two funds. Can not touch it for many years.
do you know about the backdoor rIRA?
- Thu Apr 19, 2018 1:27 pm
- Forum: Personal Investments
- Topic: Need help with small Roth IRA
- Replies: 6
- Views: 1166
Re: Need help with small Roth IRA
Thanks both of you. Any tax work if I sell inside a Roth. Do I need to report that on 2018 year taxes?
- Thu Apr 19, 2018 12:26 pm
- Forum: Personal Investments
- Topic: Need help with small Roth IRA
- Replies: 6
- Views: 1166
Need help with small Roth IRA
I have a small Roth IRA about 5k not sure what to invest it in. Outside the Roth I am invested about 65/35 Right now the Roth is in the Wellington. Not sure what to do with it since it is a small amount. I have looked at the balanced fund and the total stock market for all of it. Just not sure what to do. Not crazy about bonds right now. It is not enough money for two funds. Can not touch it for many years.
- Thu Apr 19, 2018 11:58 am
- Forum: Personal Consumer Issues
- Topic: Total Cost of Car Ownership over 10 years
- Replies: 40
- Views: 6242
Re: Total Cost of Car Ownership over 10 years
My car is super old but I just keep driving it. They say drive it until the wheel fails off. We once owned a car that had a wheel come two different times. So I think we are getting their. No one was hurt but I will always remember that wheel passing the car it went a long way.
- Wed Apr 18, 2018 8:02 pm
- Forum: Personal Consumer Issues
- Topic: Total Cost of Car Ownership over 10 years
- Replies: 40
- Views: 6242
Re: Total Cost of Car Ownership over 10 years
Wow that drives home the cost of cars.
- Wed Apr 18, 2018 12:36 pm
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
Re: Is Los Angeles a good place long term to live financially?
I think you are just being kind. LOL Anyway it is what is on the inside that counts the soul of the woman. I would take a holy woman over an only pretty woman any day. I am thinking about the religious life but that is what I tell other men.
- Wed Apr 18, 2018 9:04 am
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
Re: Is Los Angeles a good place long term to live financially?
Well I will give you an example. I make 15k a year. What percentage of beautiful women in LA would would be interested in me?Pajamas wrote: ↑Wed Apr 18, 2018 8:45 amMight be helpful to you not to generalize about that. Seems like you have decided that all beautiful women are looking for high net worth men. That is certainly not the case.
- Wed Apr 18, 2018 8:51 am
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
Re: Is Los Angeles a good place long term to live financially?
I did not say all. I would guess a high percent. I guess we just have to disagree on the percentage.Pajamas wrote: ↑Wed Apr 18, 2018 8:45 amMight be helpful to you not to generalize about that. Seems like you have decided that all beautiful women are looking for high net worth men. That is certainly not the case.
- Wed Apr 18, 2018 8:42 am
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
Re: Is Los Angeles a good place long term to live financially?
- Wed Apr 18, 2018 8:38 am
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 198
- Views: 33860
- Mon Apr 16, 2018 6:10 pm
- Forum: Personal Investments
- Topic: No long term capital gain taxes???
- Replies: 9
- Views: 2747
Re: No long term capital gain taxes???
I am seeing taxes on this if you go above 50k AGI http://www.dinkytown.net/java/Tax10402018.html
- Mon Apr 16, 2018 12:54 pm
- Forum: Personal Investments
- Topic: No long term capital gain taxes???
- Replies: 9
- Views: 2747
Re: No long term capital gain taxes???
I was talking about a single. I guess I should have said AGI. I am doing ballpark numbers off the top of my head.
You could take 50k in capital gain without taxes but your income would have to be 0
- Mon Apr 16, 2018 12:53 pm
- Forum: Personal Consumer Issues
- Topic: How do you determine what internet speed you need?
- Replies: 32
- Views: 4238
Re: How do you determine what internet speed you need?
i stream audio, video and surf at the same time on 5mb. Most of the time it works ok.
- Mon Apr 16, 2018 7:59 am
- Forum: Personal Investments
- Topic: No long term capital gain taxes???
- Replies: 9
- Views: 2747
Re: No long term capital gain taxes???
You total income has to be under around 50k for that to happen.
- Sun Apr 15, 2018 11:20 am
- Forum: Personal Investments
- Topic: Alternative website for those in lower tax brackets?
- Replies: 59
- Views: 7971
Re: Alternative website for those in lower tax brackets?
I am low income and I feel at home here. I think the Boglehead way would work the same even if I won the lotto. In fact I already know what to do if I did win.
- Sat Apr 14, 2018 8:22 pm
- Forum: Personal Investments
- Topic: Re: Divs and Cap Gains are killing me - personal
- Replies: 151
- Views: 24625
Re: Divs and Cap Gains are killing me
I would quit that 9k job. I had the same problem but not as bad. I sold before the end of march that way I only had CG for the year. It might take you a few years of doing that.
- Mon Apr 09, 2018 10:55 am
- Forum: US Chapters
- Topic: Too much Bogleheads.org?
- Replies: 96
- Views: 27279
Re: Too much Bogleheads.org?
I spend 30 minutes a day on Bogleheads and enjoy it. If I felt it was a problem I would limit it to an hour. Not every topic will interest me ie Lexus vs. Tesla LOL
- Sat Apr 07, 2018 7:42 pm
- Forum: Personal Investments
- Topic: tips on transitioning to a 3 fund portfolio
- Replies: 16
- Views: 2075
Re: tips on transitioning to a 3 fund portfolio
I found out that it helps if you sell an active fund early in the year before it has a chance to pay dividends and capital gains. That is what I did one year my gain was less than the fund's dividends and capital gains would have been.
- Fri Apr 06, 2018 1:42 pm
- Forum: Personal Consumer Issues
- Topic: How often do you replace your office shoes?
- Replies: 58
- Views: 8240
Re: How often do you replace your office shoes?
5 years I hate buying new shoes.
- Fri Apr 06, 2018 9:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Your Monthly Cost of Living
- Replies: 94
- Views: 15340
Re: Your Monthly Cost of Living
For two
1. Housing- 475
2. Transportation- 150
3. Food- 600
4. Other- 200
Total 1425
1. Housing- 475
2. Transportation- 150
3. Food- 600
4. Other- 200
Total 1425
- Thu Apr 05, 2018 10:43 am
- Forum: Personal Investments
- Topic: Please help to simplify portfolio
- Replies: 24
- Views: 2505
Re: Please help to simplify portfolio
I am guessing it will cost $2000 to sell all this stuff. That might be your biggest bill. Let us know what it cost if you don't mind.
- Thu Apr 05, 2018 10:00 am
- Forum: Personal Investments
- Topic: Please help to simplify portfolio
- Replies: 24
- Views: 2505
Re: Please help to simplify portfolio
Fish2XS one year I traded 50 stocks. Your portfolio reminds me of that year. LOL I think you could move to a three fund portfolio with the stock parts in taxable bonds in non taxable. With that amount you will need bonds in taxable also. Boy do you have some selling to do. I think it will cause a drop in your taxes once you are all set up and a lot less fees. You are lucky it will not cost a lot in taxes.
- Wed Apr 04, 2018 6:45 pm
- Forum: Investing - Theory, News & General
- Topic: What can we learn from secret millionaires.
- Replies: 93
- Views: 21448
Re: What can we learn from secret millionaires.
I kind of knew of a lady like that. Her house was worth 15k she died with 2 million. I think with the most of these folks the money goes to relatives who do blow it. I am pretty sure that what happened with this lady.
- Tue Apr 03, 2018 3:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: How did you file your income taxes?
- Replies: 84
- Views: 9673
Re: How did you file your income taxes?
I hear what you are saying. On the other side of the coin if I were going to snoop it would be on the high income folks.HueyLD wrote: ↑Tue Apr 03, 2018 12:11 pm
No. As a tax volunteer working for one of the organizations sponsored by the IRS, a lot of other volunteers in your district will have access to your tax returns.
It is one of those items I would like to keep private regardless of income.
- Tue Apr 03, 2018 11:31 am
- Forum: Personal Consumer Issues
- Topic: Best Site to Sell Used Laser Printer Cartridges?
- Replies: 4
- Views: 1380
Re: Best Site to Sell Used Laser Printer Cartridges?
Ebay would be good for that.
- Tue Apr 03, 2018 11:25 am
- Forum: Personal Finance (Not Investing)
- Topic: How did you file your income taxes?
- Replies: 84
- Views: 9673
Re: How did you file your income taxes?
- Tue Apr 03, 2018 11:12 am
- Forum: Personal Consumer Issues
- Topic: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
- Replies: 12
- Views: 2037
Re: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
Thanks everybody I went with some Bose speakers for $93
- Mon Apr 02, 2018 3:26 pm
- Forum: Personal Consumer Issues
- Topic: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
- Replies: 12
- Views: 2037
Re: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
Thanks in advance to everyone.
- Mon Apr 02, 2018 1:58 pm
- Forum: Personal Consumer Issues
- Topic: Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
- Replies: 12
- Views: 2037
Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100
Looking for a some good computer speakers to listen to southern gospel music on would like high quality under $100 if that can be done. I also need one that is AC powered. Would be willing to buy refurbished.
- Mon Apr 02, 2018 8:16 am
- Forum: Investing - Theory, News & General
- Topic: Nice article on saving money and financial independence
- Replies: 36
- Views: 6824
Re: Nice article on saving money and financial independence
I think if she was not working it would be free under obamacare. Remember her income would be around 24k not working.Cycle wrote: ↑Sun Apr 01, 2018 11:21 am If we used 5% real returns and 4% SAWR, I could have retired years ago, but there would be a lot of risk and we couldn't afford a family. If I include our rental income, currently at 2.7% SAWR at age 34/35. If we add kids daycare, instantaneously we are no longer FI. When one chooses to FIRE is a matter of risk tolerance and requires big assumptions on expenses.
No way this flight attendant can FIRE without employer sponsored health coverage, unless she is able to find a really cheap plan.
- Fri Mar 30, 2018 9:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: As a standard employee, I owe a TON this tax season... why?
- Replies: 16
- Views: 4319
Re: As a standard employee, I owe a TON this tax season... why?
Anytime you get up to that kind income the taxes will be high. I am guessing you make more than 95% of Bogleheads.