Search found 153 matches

by sc9182
Mon Jul 09, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Run your retirement like an insurance company: liability matching
Replies: 13
Views: 1742

Re: Run your retirement like an insurance company: liability matching

As if Insurance companies never got bailouts (AIG recently ?) Nor Insurance companies never reneged on promises? Best thing insurance companies can do is: if you paid say 100 out of 120 months of premiums on 10-year policy, and fail to pay the next few or so (say what may be the cause, most often so...
by sc9182
Tue Jun 26, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103900

Re: To take or not to take delivery of Tesla 3

No dismissing Warburton, but if he failed to notice., many of the perennial least-reliable car brands which fill bottom slots in popular Consumer magazine report are produced in non-tent like structures, and still suffer horrendous quality during/after their warranty period. Didn't this analyst also...
by sc9182
Fri Jun 01, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3641

Re: Sherwin Williams paint

If you have paint contractors friend, you could borrow and use their phone (account) at SW store to buy yoir paint/supplies. You get 30-40% easy on any given day, then any additional sales/discount/some-coupons (all together about 50% off) possible.

Yes, SW is pretty good.
by sc9182
Mon May 28, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2204

Re: Best brand of appliances for new condo

I have to pick the new appliances for a new condo. Wondering what brands I should consider. Don't need the Cadillac model - middle of the road, but looking for good value and reliability of the following: Washer and Dryer Refrigerator Range/Microwave What do you think, and what kind of prices are w...
by sc9182
Wed May 23, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24895

Re: Lucrative careers?

This friend moved out of NC area to growing part of DFW area. His wife also works, and most likely be higher earner. Got 4500 sft nice house, says "very happy", and great school district for young kids. May be his inertia to change family situation affecting his willingness to pursue higher paying ...
by sc9182
Tue May 22, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

If you believe 4 million in tax-defered is tooo much, stop at a smaller number like 3 million and switch to Roth. KlangFool Honestly that seems to be really good advise. That 24% tax bracket will stretch a long dollar amount so switching to Roth later on won't hurt anymore than doing it now, but ma...
by sc9182
Mon May 21, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48870

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Note if you are paying 40+% marginal taxes you may be paying 18.8-23.8% capital gains taxes. Unlikely you'll be paying 15%. I approximate the tag drag in taxable is offset by the slightly higher fees in 529s. Details depend on specific investments and tax rates. The 40% marginal we are speaking of ...
by sc9182
Mon May 21, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24895

Re: Lucrative careers?

Guess KyleAAA trying to enlighten some of the software engineers or aspirants - that opportunities exist, and do pursue those!! Get MO money! A family friend of ours who is with 15+ years "good" and upto-date software skills in upper-mid-tier city, been stuck with his stable company in senior role ...
by sc9182
Mon May 21, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

You are right, I think this is a blind spot many (myself included) have when planning for the future. I have recently been spending some time getting my wife familiar with our investments, planning, how to manage nuts and bolts of finances if something were to happen to me, etc.. Despite that, I do...
by sc9182
Mon May 21, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24895

Re: Lucrative careers?

Guess KyleAAA trying to enlighten some of the software engineers or aspirants - that opportunities exist, and do pursue those!! Get MO money! A family friend of ours who is with 15+ years "good" and upto-date software skills in upper-mid-tier city, been stuck with his stable company in senior role f...
by sc9182
Mon May 21, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103900

Re: Consumer Reports: "Not recommended"

Bogleheads: According to this story, Consumer Reports will not recommend the Model 3: Consumer Reports Says it Found "Big Flaws With The Tesla Model 3 Best wishes. Taylor Good pointer. Only until: fix the problem with long stopping distance and inconsistent emergency braking response. Definitely a ...
by sc9182
Mon May 21, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

By the way anyone know what the magic number that pretax 401ks stop making sense? That would be really helpful. :wink: @sc9182 Right now we are in the 24% bracket and anticipate being there for the vast majority of our earning lives. It's possible based on promotions we may hit 32% in our final wor...
by sc9182
Mon May 21, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

If you'll be in the same tax bracket during retirement as when you were working, Roth conversions are unlikely to result in tax savings. This will not hold true if any of your Social Security income gets taxed and you could have avoided that by using Roth dollars rather than tax deferred dollars. A...
by sc9182
Mon May 21, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48870

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I am curious about the strategies of those who will be paying for at least some of their children's education but specifically NOT through a 529 plan. I believe those non-529 activities have less security for the student as they are not separated out from everyday expenses. Even knowing money is fu...
by sc9182
Mon May 21, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

If you'll be in the same tax bracket during retirement as when you were working, Roth conversions are unlikely to result in tax savings. Agree. But right after you retire, a year 2008 type market gyration occurs, due to bad sequence of returns; or worse yet, high inflation, all our projects/models ...
by sc9182
Mon May 21, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

.. Well if having too much money is the only problem I will have then I suppose I will carry that heavy burden. But as I said before I am planning for an "early retirement" thus 4% would be non conservative. 2.5-3% including my pension seems like it is right where most boggleheads suggest when reti...
by sc9182
Mon May 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5163

Re: keyless ignitions and carbon monoxide

Why does the NYT's article blame the car versus the lack of a CO detector by the home-owner? Everyone with an attached garage should have at least one CO-detector alarm. My wife once left her car running in the garage WITH A KEY. Not sure of statistics of people that leave their cars running with a...
by sc9182
Mon May 21, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Say it's growing at 7% nominal at retirement. At today's tax brackets indexed for inflation the 24% bracket will start at 260,000. +38k in standard deductions. Let's round that up to 300k 300,000/4,000,000 you are looking at 7.5% converted and a growth of 7% so you are only putting a little tiny de...
by sc9182
Mon May 21, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

There is one more monkey wrench that pre tax has. <-- following two of your points ain't so exactly Early retirement. If I retire at 50-55 as planned, I will have 5-10 years that my 401k pretax is untouchable. To me the pretax has a pretty limited window of being useful. Ages 60-70. After 70 you ar...
by sc9182
Mon May 21, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

- Get a 15 year mortgage and stick to it (no stretch-outs when refinancing or trading houses) so by the time your kids start college you can redirect house payments to college payments. - If you are car loan people (not that I would recommend that), time things so car loans are paid off but with 4-...
by sc9182
Sun May 20, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

How about let the college going kid earn sufficient summer/part-time income so that he/she can file tax-returns on their own. Assuming decent 10K/15K income, I wish that were true ... our kids get roughly 10-12 weeks of time off during summer, and at about $11/hour full time, there's no way to make...
by sc9182
Sat May 19, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: How does the process work for getting back funds from a Roth?
Replies: 9
Views: 824

Re: How does the process work for getting back funds from a Roth?

The 5-year rule applies to withdrawing earnings in a Roth IRA, not the contributions. I am then wrong. Note that Roth conversions do have a 5 year waiting period. I think the two different 5 year rules contribute to the confusion. https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-r...
by sc9182
Sat May 19, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

.. Suggestions/discussion welcome! There are so many errors in this it's almost beyond belief. I won't comment on the tax law part because all of this is pretty much wrong as was already pointed out. But one nitpick is that you mention loans under how to cash flow college..... loans are the anti-ca...
by sc9182
Sat May 19, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

IRS has already thought about this. there are kiddie taxes and annual limits before you're hit with gift taxes. Thanks for sharing IRS rule key-words. Could you elaborate why this works or doesn't work "specifically" by including some numbers - sure enlighten fellow BH'ers ? https://ttlc.intuit.com...
by sc9182
Sat May 19, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

livesoft wrote:
Sat May 19, 2018 2:01 pm
The premise is bogus. There are no downside risks for upper middle class folks funding 529 plans to pay for college. That is especially true if the family intends to cash flow paying.
LOL - hence, I included the Linky: viewtopic.php?f=10&t=146595
by sc9182
Sat May 19, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

.. Heard of delaying SS for higher/better benefit (applicable to some, but not all) ? If you delay SS, you could do withdrawals from Traditional IRA and/or Roth-convert up to your-own-optimal tax bracket maximum. Roth contribution/conversion may or may not be the optimal choice - depending on your ...
by sc9182
Sat May 19, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

bling wrote:
Sat May 19, 2018 1:01 pm
IRS has already thought about this. there are kiddie taxes and annual limits before you're hit with gift taxes.
Thanks for sharing IRS rule key-words. Could you elaborate why this works or doesn't work "specifically" by including some numbers - sure enlighten fellow BH'ers ?
by sc9182
Sat May 19, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

A few random comments: 1) What qualifies as an "expensive college"? Here' the estimated cost of attendance for the 2018-2019 academic year for some of the schools my son applied to as a transfer student (he's finishing an AA degree at a California Community College). Note that estimated cost includ...
by sc9182
Sat May 19, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Your answer is very simple. You should max your Trad. 401K forever. You will never reach that number. KlangFool 106k/year annual contribution (53k for you and wife), 7% real returns and you are looking at 21 million after 40 years. Seems pretty doable:) Or if you invest with Dave Ramsey and get 10%...
by sc9182
Sat May 19, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Traditional is better than Roth for nearly everyone. The only reason people even do Roth is because they're not allowed to do Traditional, due to their higher income. If the limits didn't exist, everyone would do Traditional other than the very bottom earners. This is especially true for people who...
by sc9182
Sat May 19, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

3) You can get all of those things when you do Roth conversion of your Trad. 401K at lower tax rate. I don't give a flip about the rate. Let's say I have 1.5 million in my R401k and you have 1.5 in your T401k. It costs me 0 to stuff that into a RIRA, and it costs you something like 500k (I didn't d...
by sc9182
Sat May 19, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48870

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Started a strategy thread to tackle high College costs without/insufficient 529 Linky: viewtopic.php?f=2&t=249835
by sc9182
Sat May 19, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 2006

New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

If your kid(s) are starting college, especially an expensive college - which is quite hard to cash-flow for middle to upper middle class folks. With possible downside risks of 529 plans as discussed elsewhere Linky: ( https://www.bogleheads.org/forum/viewtopic.php?f=10&t=146595 ), not everybody may ...
by sc9182
Sat May 19, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48870

Re: "Why 97% of People Don't Use 529 College Savings Plans."

another consideration for ubersavers is they may not have the income to cash flow college expenses in their 50s or 60s because they will already be retired. we are big 529 cheerleaders, even with no state tax break. You could take loans for education, cash-flow "afterwards" with kids earnings, and ...
by sc9182
Fri May 18, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Banking 100% on high SS and/or Pension at cost of ignoring 401k/ira or Roth or taxable may not be smart. Scenarios where you need lumpsum amounts due to some life events, neither SS nor pensions offer that flexibility. Also, if you are out of loop for extended period of time (incarceration, extended...
by sc9182
Fri May 18, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

If your retirement MFJ expense needs are about $100k, assuming your tax bracket is under 15% (401k/ira withdrawals, and/or SS, and side-gig income) , you can possibly do 0% capital gains harvesting from taxable. No need to withdraw 401k monies upfront, can wait/grow till RMDs kick in. If not much in...
by sc9182
Fri May 18, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I haven't had a chance to read the entire thread yet, but I would think the really wise folks are going Roth because it provides for the most room for tax sheltered money. Specifically, there is no doubt at all that 18,500 in a Roth is worth more than 18,500 in a traditional. I think your interpret...
by sc9182
Fri May 18, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4329

Re: Surgeon salary vs owning a business salary/profit?

Incomes are generally > 0 ; generally stable, usually grows up at inflation for above avg folks.

Business outcomes/profits could be in wide range including Negative territory; hard to guarantee anything in bidness.

Why not combine both !?
by sc9182
Thu May 17, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a custom retirement savings calculator for Airline pilot Direct contribution
Replies: 14
Views: 1339

Re: Looking for a custom retirement savings calculator

I'm in the same boat with airline industry DCs. Not only that, but my income (like yours, I'm sure) varies month by month and doesn't increase by a set percentage each year. I've found retirement calculators to be totally worthless to me. If you do not know your 'expected' income next/coming month(...
by sc9182
Thu May 17, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

...Step-Up basis upon Death of a Spouse would help Taxable accounts. A death of spouse and/or RMDs could increase tax-burden of 401k/ira withdrawals., where as the opposite is true on Taxable accounts. Also, there are limits on Income/AGI to limit contributions to IRAs .. while taxable doesn't impo...
by sc9182
Thu May 17, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Another important factor to take into consideration when deciding on taxable vs. IRA is that IRA money when withdrawn would be taxed as ordinary income, but the gain in taxable would be taxed as long term capital gain or 15% for most people. The 15% tax rate is very attractive. This misconception i...
by sc9182
Thu May 17, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

A consumption tax will impact the spending form both a Roth and a traditional account. The argument should be over which one will leave you with more spendable income. JoMoney, Globally, the trend is to lower the income tax rate while implementing the consumption tax. And, gradually lower the incom...
by sc9182
Thu May 17, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Another important factor to take into consideration when deciding on taxable vs. IRA is that IRA money when withdrawn would be taxed as ordinary income, but the gain in taxable will be taxed as long term capital gain or 15% for most people. The 15% tax rate is very attractive. TravelforFun This mis...
by sc9182
Thu May 17, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3082

Re: Fellow non-529ers

If you are very high-earner(s), or have rich uncles/grand-parents and/or have high state-income tax, may be 529 makes sense depending on situations (but only after filling up mortgage, 401k/403b, HSA, tax-deferred, Roth, Brokerage buckets filled-up to the hilt). Otherwise, see thread below on additi...
by sc9182
Thu May 17, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Given that if the numbers are identical, I would rather pay later than now and given that if the later numbers are huge compared to the current, I would consider myself to be very fortunate and if the later numbers are lower than current, I will be kicking myself silly; I just don't see this as a d...
by sc9182
Thu May 17, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

For those that have a decent pension and social security this would not be true. In this case it is all about the marginal rate on each additional dollar taken from tax deferred. I think most of us here are familiar with the Social Security Hump which can cause each additional dollar withdrawn when...
by sc9182
Thu May 17, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35749

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

For those that have a decent pension and social security this would not be true. In this case it is all about the marginal rate on each additional dollar taken from tax deferred. I think most of us here are familiar with the Social Security Hump which can cause each additional dollar withdrawn when...
by sc9182
Sat Apr 14, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2293

Re: Cedar Fence: is Maintenance required?

If you got too much ground moisture or water-stagnation, may be your best bet is above ground posts, screw to the concrete base..

For many of the rest - oil based stain or semi-transparent wood/deck protectant helps with longevity as well as appearance.
by sc9182
Sat Apr 14, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2293

Re: Cedar Fence: is Maintenance required?

Oil-based Stain or Semi-transparent wood sealant/protestant would help a lot. But 4-5 years later re-sealing/coating is usually required. Occasional replacement of rotten posts/slats. If water remains stagnant/moist-soil - expect more/frequent post replacement. Fence if left to rot for way too long....
by sc9182
Fri Apr 13, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 11026

Re: Wanting to leave Fidelity

Just about getting $2500 retention bonus from Fidelity. Besides excellent service! Self directed account - no fees! We gifted a very-nice M-B coffee travel-mug (below $25), and the advisor fell-flat for our token of appreciation. One has to realize, they are human beings too, and have families to ru...