Bogleheads.org

smitty1515

We have tested and our readings were 4.5 and 4.8 which is slightly elevated (goal is < 4). We live in MN where radon is a concern. I'm not sure how much of a farce I think the industry is but the fact of the matter is I will incur the cost to mitigate if I rent out or sell this home so why not take ...

smitty1515

35/36 1 kid

42% gross (includes employer contribution)

smitty1515

https://www.nytimes.com/2001/12/15/spor ... -lies.html

My advice - contact the university and finish your degree the way you intended and legitimately claim your paper.

smitty1515

Animal kingdom
Safari
Avatar flight of passage
Expedition Everest

Magic kingdom
Space mountain
Thunder mountain
7 dwarfs Mine Train

Epcot
Soarin
Test track
Spaceship earth

smitty1515

The additional piece of info I'd like to know is an estimate of how much in income (combined income for couples) plus gifts (inheritance) had the person earned over their lifetime when they reached 500k in savings. A couple who had reached 500k at 30 but had cumulatively earned and/or inherited $5 ...

smitty1515

Wife 35, Me 36. Coincidentally, it just happened last weekend nearly 10 years after starting career. We are saving 50% of our after tax income and plan to cross the $1M NW in 5 years. Of course market fluctuations could alter this but we can only control factors such as savings rate, investing in lo...

smitty1515

Has anyone ever purchased off Gazelle or like sites? I was recently having some issues with our 13" mid 2012 MacBook Pro however doubling up the RAM and putting in a new battery has significantly improved the performance of the machine. I did both of these things for less than $100 but before hand w...

smitty1515

Happy YT TV customer here. We've had very few issues and when we have their customer service is on point. During a recent World Cup match YT TV was down for a short period of time. Within 24 hours of the outage I got an email apologizing and comping me 1 free week of YT TV. The only two streaming TV...

smitty1515

^^^
That would be cash on cash return

smitty1515

1. The Bible and related study
2. Marriage topics
3. Parenting topics
4. Real estate investing

smitty1515

It's a sign of wisdom. Roll the way you were created and just go with it. I've been slowly graying for the last 10 years and I'm 36. I figure by the time I'm in my mid 40s it'll really show.

smitty1515

How do their prices compare to Aldi produce prices? I’ve often felt Aldi ascribes to a similar model although I haven’t validated the theory yet.

smitty1515

The Ramsey plan helped us create the plan to pay off 50k in non-mortgage debt (using the debt snowball method) in 13 months. Before I ever heard of DR, I unknowingly used the snowball method to pay off my small credit card bills of a few hundred dollars that were merely a nuisance. But once I got t...

smitty1515

At my church the DR Financial Peace is heavily promoted. I have never attended, didn’t want to spend the $100 for class materials. Anyhow people on this forum would be horrified to hear many of the stories of how badly people handle their money. I would totally agree DR gets many folks going the ri...

smitty1515

We buy a few Sams club rotisserie chickens per week and shred them up for salads, tacos, etc. I've not seen any stripes or had "odd" tastes.

smitty1515

We budget every month.

I’m a Ramsey disciple who follows his budget and anti debt advice but deviates to BHs for investment advice. I consider this hybrid to be pretty stellar.

smitty1515

160k for a box with wheels?! If I was you I’d take it to the MB dealership and see what they have to say. The depreciation seems insane. Best of luck.

smitty1515

Well, if he is of sound mind and wants to give you money, so be it. He can do what he wants with his money. However, if he is simply trying to transfer assets to get Medicaid to pay for LTC it gets a lot more complicated. For one, a medicaid paid facility and room can be subpar to one that you can ...

smitty1515

You could sell on giftcardgranny.com. I have purchased cards on there in the past and it’s been reputable in my experience.

smitty1515

nordsteve wrote: ↑
Sat Feb 17, 2018 10:41 pm
If you’re looking at Grand View then also check out Maddens.

MN lifer here and this thread has many great suggestions.

Agree, I’d add Craguns to the list too!

smitty1515

Grand view lodge in Nisswa is awesome. There are many included amenities and Gull Lake is a fun place.

We’ve also done Breezy Point on Pelican Lake but had more fun at GVL.

smitty1515

Avid runner here. Live in MN and I run 12 mo a year. My cut off is ~ -10 deg windchill to use a treadmill. I ran this morning at -5 deg windchill with the following gear. Safety - first of all you need lights if you run prior to dawn or after sundown. I wear a headlamp, wrist lights, and reflective ...

smitty1515

Good to read this because I also am a DR fan. I facilitate FPU at church however when it comes to investing I follow Bogleheads approach of using low cost mutual funds. I deviate from Bogleheads approach and take the Dave Ramsey 100% equity AA so I guess you could call me a true hybrid. I'm very pro...

smitty1515

51%

Method used is gross pay subtracting Federal, State, and FICA tax.

smitty1515

$3-4K per year.

smitty1515

Not true for all but here’s why I’m a proponent of paying cash for vehicles.

The simple reason is to prevent overspending. Of course financing at 0% on paper is the right move however how many thousands if not tens of thousands of dollars are consumers adding to their purchase by not paying cash?

smitty1515

The deduction is not for MN 529 only. Here’s info on the law.

http://www.dorvalchorne.com/blog/new-mi ... tributions

smitty1515

I think it is reasonable and should be cheap if you go to an INDEPENDENT agent to shop various companies for a good TERM insurance with a well-rated company for 20-30 years. It is possible but unlikely that your affiliated company is a good price. Check term4sale.com for a quick check on what is av...

smitty1515

I must be transparent that my wife and I sat down with a financial adviser. I did not go out looking for one but know someone at church who left a corporate job to enter into the industry for a faith based financial organization based out of the upper midwest. About a month ago he asked if we would ...

smitty1515

2011 Equinox owner here. Have 100k miles. Overall, very little issues other than routine items to be expected. My folks have a CRV and the interior and comfort of the Equinox is better. The CRV is better for driving and likely more reliable. I almost purchased a 2017 Equinox a few months ago because...

smitty1515

I did a pork butt today on my green egg. 275 for 8 hrs. Wrapped it at 160 and pulled at 200. Wrapped it in towels and put it in a cooler to soak the juices. Turned out awesome!

smitty1515

Considered one but was discouraged by the CVT. I guess I am old school. CVTs work fine in snowmobiles and ATVs but I still prefer gears in cars. Ended up with a Chevy Equinox in same price range. 2017 or 2018? We have a 2011 Equinox 2 LT approaching 100k miles. Almost traded it in and got a 17 a fe...

smitty1515

I was given a medium sized big green egg from my parents. They did not like the length of time it took to cook on it and settled with a propane grill. I have been cooking on it for 2 months and I've smoked chicken, pork ribs, pork butt, and used it for grilling. It is older so I've had to put a litt...

smitty1515

You've made it - you're in the 2 Comma Club or close to it. Suze Orman says you can afford it with flying colors. You've made up your mind and you're definitely going to pull the trigger. What luxury vehicle do you own or would like to own or would you purchase that is in the $80K to $130K range ne...

smitty1515

A couple of things. 1.) Things can go wrong. Do not assume buying new construction = worry free living. 2.) Hire an independent inspector prior to closing on the home. I would be happy to answer any of your questions and I would not dissuade you from buying new construction but do realize you are a ...

smitty1515

Good morning (or afternoon/evening depending on when you read this), Before I get to my question a little bit about us. We are 34/35 and in the accumulation phase. We budget monthly, invest in a diversified portfolio of index funds, and believe the action steps we are putting in place right now will...

smitty1515

8%

Been interesting to watch

smitty1515

Pay in cash. You can afford to do it.

smitty1515

6.3% So far, so good.

smitty1515

I have led FPU classes at our church and taken a class through Ramsey Solutions to become a "financial coach". I have been active with FPU and also sit down 1:1 with struggling families in our congregation. When my wife and I got serious about personal finance we had a student loan, car, and house p...

smitty1515

81% here. At 35 yo there were a few questions I'm well versed on.

smitty1515

Thank you to everyone who put together the meeting. Ken's presentation was very interesting and a great discussion. I also enjoyed my time in the health and leisure breakout session afterwards.

Ryan

smitty1515

Here is the update: I contacted the Minnesota Dept of Labor and found out there was a labor fund put in place for faulty work. The kicker is you had to win a law suit to tap into it. I called 3 lawyers after I started this post and not one of them would look at my document without charging $300 per ...

smitty1515

I would call the company you financed the car through to check into it. It's no big deal either way. If there is no pre-payment fee, pay it off now. If there is, take the discount, and pay it off on the 91st day.

smitty1515

This thread has been a great read. I've seen folks saying gross, gross - taxes, net, adding their retirement contributions, etc.

I suppose we are not getting an established BH gold standard when it comes to % of savings...

smitty1515

We save 47% of gross minus taxes at 140k per year.

We are 34/35 and hope to be able to increase this going forward.

smitty1515

Is it really that much of a sin to borrow money to pay for a car? I almost always qualify for a <2% loan, sometimes even 0% for x number of months. Wouldn't that be worth it? I'm sure others differ but my opinion is to try and pay cash and if you can't comfortably pay it off in 12-24 mo then don't ...

smitty1515

Taylor, Thank you for posting this. You posted in the thread I created earlier re: car as a % of NW. Just so you know, I consider you a rock star around here and feel honored when you reply to my posts :). Thanks for the great information. I agree with your sentiment in this post. There is no other ...

smitty1515

I consider Cars in my Net Worth. I use Edmunds.com as a guide for approx. value. I do not include household items (TV, Furniture) in my Net Worth. Now I do have 4 cars - 2- 2005's, 1- 2007 all worth about $11-12K and a 2010 worth more than the other 3 combined. :D I'm the same way. I figure anythin...

smitty1515

Hey fellow BH's. We currently have vehicles that are 6 and 8 yrs old and approaching 100k miles. I hope to get 10 years out of each prior to replacing them and we are starting to put a plan in place so in 2018-19 we can pay cash for the 09's replacement. Do any of you have a rule re: how much $ you ...

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