Bogleheads.org

smitty1515

2020: 0% (review in June)
2021 guessing between 2 and 3%

smitty1515

Note to self if posting portfolio. No roasting, just interrogation.

Congratulations on your portfolio. As others have mentioned, I hope you’re spending time in leisure. Nothing wrong with treating yourself if you have wants.

smitty1515

bberris wrote: ↑Thu Nov 19, 2020 8:35 am In suburban Minneapolis, yes, several in a week in Plymouth. Also lots of cars broken into with nothing taken, presumably looking for guns. Please don't leave these in your car.

Not just Plymouth... https://twitter.com/CityHastingsMN/sta ... 61573?s=20

smitty1515

Years ago I pulled up curbside to pick up my child from day care. The young women who brought my child out exclaimed, "Oh, you drive a nice Lexus!" However, my dog attracts more "chicks" as does as my friendly demeanor. :sharebeer What I was going to tell the OP too...get a pupp...

smitty1515

A hungry cat.

smitty1515

Most unclaimed property records should be public. In addition to your grandfather's name (with variations) you should check the names of his spouse(s) as well as states where he worked and adjacant states if he lived/worked near the border (such as New York/New Jersey). A common source of unclaimed...

smitty1515

Good day, I’m looking for wisdom from the board re: a topic I have no experience. My grandfather passed away 20+ yr ago and his heirs (my mom and aunt) have been contacted by a rep at Keane (Legal Claimant Services) who specializes in unclaimed property. According to Keane, my grandfather had liquid...

smitty1515

Italian dressing or Chipotle chicken hack https://www.culinaryhill.com/chipotle-chicken/

smitty1515

Yes 90/10. We have actually been trying to buy more the last 3 months. We're very comfortable with 90/10 AA.

smitty1515

Get a fake owl.

smitty1515

https://www.zoro.com/ames-stand-up-weed ... src=aw.ds

smitty1515

Honda or Toro Make sure to maintain when the season is over by running fuel reservoir dry, change plug, change oil, and check air filter. Also check blade(s) to see if they need to be sharpened. +1 to whomever mentioned buying used. Check FB marketplace or Craigslist for mowers. That’s how I purchas...

smitty1515

For those of you who are, like me, fans of Consumer Cellular, be advised that they now have the SE for sale on their website. The only version they currently have, though, is Red / 128 GB. But that's just perfect for me, so I ordered one yesterday. It was $400, which is $50 less than Apple's price ...

smitty1515

They are shipping straight from China and saying delivery by EOD tomorrow.

smitty1515

https://www.choosefifoundation.org/

I really like this site. My daughter is 8 and we’ve been doing a few lessons per week. All the information is free.

The podcast is excellent too. They’ve had Rick Ferri a few times in the past 2 weeks.

smitty1515

Prime Original Hunters was pretty good if you like historical fiction w a Tarantino’esque satire. Wrapped this one up two nights ago. Thoroughly enjoyed it. Latest season of Ozark is on deck. I’ve watched 14 episodes of Jack Ryan in the last 4 days. This one is very good too. Lmk how Ozark turns out

smitty1515

Prime Original Hunters was pretty good if you like historical fiction w a Tarantino’esque satire.

smitty1515

Monsterflockster wrote: ↑Sat Apr 04, 2020 11:56 am
smitty1515 wrote: ↑Fri Apr 03, 2020 9:26 pm Jog about 40 miles a week.
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles
First time I’ve heard someone averaging 6-7 miles a day call themselves a jogger.

Ok run....

smitty1515

Jog about 40 miles a week.
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles

smitty1515

A bizarre post goes something like this — hey everyone, stay away from this advisory service because they take advantage, put their needs ahead of yours, and are sneaky in how they operate.

Author

Continued customer of said company

smitty1515

How many people ACTUALLY have 100% secure jobs? You might have thought that before this situation (and were probably reasonably correct), but this situation is so completely out of left field that it will affect tons of people who never expected it. Only safe jobs right now are essential services l...

smitty1515

French press

Pros- cheap, makes delicious coffee, no additional cost (eg filters), no build up in water lines

smitty1515

Wife and I are 37/38, 90/10 equity/bond, have seen portfolio decline about $100k as of late, and conjuring ways to buy more equities. I’m sleeping great, grateful for our situation, and thankful for the knowledge and wisdom re personal finance I’ve learned on this board and meet ups. Advice to the O...

smitty1515

We do not factor SS into the FI equation because we plan to be FI in our mid to late 40s. Of course, there are many years between hitting FI and traditional retirement when one begins to take SS distributions. Additionally, SS is predicated on many factors I don't know the answer so for the sake of ...

smitty1515

I purchased a late 2018 MacBook Air recently w the following specs:

Intel i5
16 gb ram
512 gb SSD
13” Retina display

Very happy w the purchase at $1199.

smitty1515

I’m using an SE and have been for 3 years. I just had a new battery put in at the Apple store for $55 which has made keeping it much easier.

The key will be continuing to have access to updates in the future.

smitty1515

Chunkachange wrote: ↑Fri Sep 06, 2019 9:20 pm
mortfree wrote: ↑Fri Sep 06, 2019 8:43 pm 15-year, 0 points is at 2.875 where I have a mortgage (30y at 3.875, 2y into the mortgage)
Trying to reconcile your username with your post, I can only assume you divorced a man named Mort.

smitty1515

Disney

Chick Fil A

smitty1515

Amazing that 5M isn't what it used to be. And maybe safaris are meant for people with more money anyway. Thanks for the responses, and have a nice day. Don’t take your situation for granted. You are top of world population re wealth. Take the trip if it’s an experience you and your spouse value and...

smitty1515

We just did this on a home we bought new in 2015. The 75% rule was in reference to removal of PMI based on current value. So....we paid $450 for an appraisal which came in at $406k w balance of $305k which removed PMI.

smitty1515

I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush,...

smitty1515

I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush,...

smitty1515

I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush, ...

smitty1515

Yes, my wife and I got “financially naked” before getting too serious. I couldn’t imagine not doing so as financial disagreements and beliefs can ruin a marriage.

smitty1515

1.) 25 x annual expenses
2.) paid off mortgage
3.) giving 10% plus of my income per yr
4.) giving my time to meeting others and giving hope to the financially illiterate
5.) the ability to choose my pursuits based on interest and fulfillment and not pay

smitty1515

Sjt,

Thank you for the well constructed response. You’ve given me some things to think about in how I analyze our plan and future. Again, thank you.

smitty1515

Although I have never invested in any real estate myself, I would encourage you to try it because of the entire tone of your post. I think one can become financially independent without real estate investments, but it seems you are willing to try it out, so I recommend that you do so. You’re one of...

smitty1515

Thank you for the input Silverado. We’ve experienced 3-5% annual raises during this time. We made some questionable decisions in our mid 20s but have a solid foundation to build upon now.

Again, thanks for the input.

smitty1515

Thank you for the link. That’s not a site I’d heard of and there appears to be excellent content.

smitty1515

I make this post for guidance and appreciate anyone who takes time to read/provide feedback. I've done more reading than posting over the years and value these opinions because most are pursuing or have obtained financial independence. Our situation: Monthly expenses: $5,700/mo Monthly income: (afte...

smitty1515

WhiteMaxima wrote: ↑Wed Jan 02, 2019 1:54 pm Any BH with 100/0 AA? What's your return in 2018?

-11%

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 h...

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

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