Bogleheads.org

Tavistock1 wrote: ↑Mon Mar 20, 2023 9:32 am I have no regrets about the above at all.

Are you saying that you don't care that you are a realtor that can't be trusted on an offer?

Going forward the market may not be as crazy as 2020-2022.
I can understand that your buyer wanted you to do this, but it isn't their reputation on the line. It is yours.

My agent was telling me about this very tactic that happened to a fellow agent. The buyer's agent let slip that the buyer had made an offer on another property. The seller's agent immediately cut off that buyer and agreed to the offer from the second buyer. How would you feel about this tactic if you were a seller and not the buyer? Just a point of clarification: the AGENT did not make that decision, the seller did. The AGENT may have advised the SELLER to make that decision but the AGENT does not make decisions. It's another common misunderstanding about what a realtor does. Yes. I understand. The seller had ranked buyer #2 second on their list so when this shenanigan happened, buyer #1 was out of the picture. And, not only was buyer #1 o...

I have 3 properties that I am looking at. I feel strongly that two of them are of high interest to me but I cannot offer sight unseen. I am going down on Saturday to see all 3 properties. My agent says that we should make an offer on all 3 properties, on Wednesday (3 days before Saturday). He says that since escrow is due 3 days after offer, we can make the offers, "reserve" them like this, and then pay escrow and move forward on the one I like (or none if I get cold feet). Aside from this seeming a bit rude, is this a strategy people actually use and does it work? I do not see the downside of this but on the other hand I feel like I must be missing something or all buyers would do this. My agent was telling me about this very ta...

Kookaburra wrote: ↑Sun Mar 19, 2023 9:35 pm

Nyc10036 wrote: ↑Sun Mar 19, 2023 8:03 pm Are your friends and family seeing your "nice" things?
In other words, do you have people over?
Are the nice vacations on your social media?
Do you drive "nice" cars others can see? Teslas?

Why should OP have to hide these things? If they’re just living, why are others’ jealousy their fault?

Did I say it was their fault??????

The natural consequence of not "hiding" these things is what leads to behavior whether real or imaginary that the OP is bemoaning.
He can't have it both ways.
It would be nice if jealousy over material things wasn't a reality.

Are your friends and family seeing your "nice" things?
In other words, do you have people over?
Are the nice vacations on your social media?
Do you drive "nice" cars others can see? Teslas?

I would guess that most BH have more than one credit card.

If this big bank is not being helpful, it is time to get another credit card.

jebmke wrote: ↑Fri Mar 17, 2023 5:31 pm Right after you enter the 1099-R you should see this



Note: I'm using HRB Deluxe for Windows

THANK YOU.

I misread that thinking they meant SEP IRA or SIMPLE IRA .

duh!!

Selected are
Retirement plan, income, withdrawal, or rollover
and
Social Security

I was able to do it in 2021, but Line 4a and 4b on Form 1040 is staying $0.
Everything I do is changing the numbers on Line 5a and 5b.

Message: Your return doesn't include any covered distributions.

Not sure what I am doing wrong this year.

I am in the section FEDERAL , Income , "Now, we'll work on your retirement income"./

iceport wrote: ↑Tue Feb 07, 2023 11:40 am
How to Enter 2022 Foreign Tax Credit Form 1116 in H&R Block

Thank you for the link!!!

After an unexpectedly hefty rent increase this year, I'm finally starting to consider alternatives after being a renter all my life so far. I can very comfortably afford rent still but if it continues at this pace, I can see myself getting priced out in the intermediate future. Long-term, I expect to stay at my job and within 1 hour commuting distance of this job until retirement (in 25-30 years). I've read a lot of the existing housing threads, but I'm particularly interested in experiences from single people who don't need to take into account childcare/extra space for family and who might struggle with buying too much house/handling all the maintenance of a house on their own. Net Monthly Income: (After withholding, 457b contributions, ...

4-week T-Bill ladder set to auto-roll is probably the simplest.

Where does wallpaper fall in the realm of "unique" taste?
When I see it my eyes glaze over.

Has anyone tried the mortgage bill pay (via debit card) that PayPal Bill Pay offers for limited mortgage companies and, if so, how does one specify that the payment is to be applied as the next payment due rather than additional principal payment? I did a $1 test payment some time ago but it seemed to apply as additional principal (although I did still have autopay on, was just hoping it would reduce the following months autopay payment by $1 which it did not). Thank you! Haven't tried this. Are there any GCs or VGCs that you purchased and can use as a "debit card" for this purpose btw ? I wonder if you have to disable autopay and/or inform the mortgage company that you'll be paying via another means and to have them apply that t...

It is three MONTHS from account opening, not three statement cycles. It may take several weeks for your first statement to close. If you applied today and got instant approval your target date is June 14th - approximately. Not sure if they go by calendar date or 3X30 days. Either way you should complete spend several days earlier to make sure there are no hiccups. I almost lost a bonus recently because I ordered something from Walmart and did curbside pickup. A week later they issued a credit because they messed up and never recorded that I actually picked the thing up. It is a Visa signature card so technically it has no preset spending limit - you just can't carry a balance over your credit limit month to month. Chase likely has a somewh...

beezlebub wrote: ↑Tue Mar 14, 2023 12:39 pm The five basis points per month fee would discourage me.

Located under the FAQs section:
https://public.com/invest/treasuries

I totally missed that.
Big thank you!

I opened an account with Public.com last year for a signup bonus.
Now they are offering the ability to buy T-bills in $100 increments by partnering with Jiko.
The T-bills are custodied at the Bank of New York Mellon.
https://public.com/learn/how-to-buy-us-treasury-bills

Is there any advantage to using Public.com to purchase Treasuries vs at Fidelity except for the lower $100 limit?
More importantly is there anything I should be aware of?

I had a negative experience with this card. YMMV, but I thought I would mention it in case it’s helpful. Citi started me out with a ridiculously low credit limit - $2,000 or $2,500, as I recall. So, even though the card had “unlimited” cash back, capping the monthly spend effectively limited the cash back for me as my monthly credit card spend is usually $4,000 - $5,000. I requested a credit limit increase and Citi denied it. I was a little surprised considering I have another Citi credit card (Costco) and a FICO score over 800. So, I stopped using the card. About 3 months later, Citi unilaterally cancelled the card because my accounts was “inactive” for too long. Get the Wells Fargo Active Cash. They've eliminated the cashback limit.

I guess I'll wait until I get my first statement and pay it off before filing my federal and state taxes
where I had plan on using the card to pay the taxes I owe.

We've been looking in the South Denver Suburbs since October of 2022. The house we put in an offer on in October: we were a day too late and they accepted an earlier offer at the list price of $725k. We put in an offer on a home last week for $10k over the list price of $670k, even though it needed anywhere from $100 - $150k of work put in to it. We lost to someone else that waived an inspection entirely. Over the weekend we put in an offer on another $725k house, we started at $10k over and had an escalation clause up to $25k over. Was just notified we didn't get it, that there were 10 other offers but they didn't say what the high one was. There's minimal inventory: the homes are either under budget and don't meet our needs, or they're w...

TomatoTomahto wrote: ↑Tue Mar 14, 2023 11:07 am

Nyc10036 wrote: ↑Tue Mar 14, 2023 11:01 am One house went on the market at $650K 7/22/2022
Finally sold on 2/10/2023 for $625K

I would love to know how many offers they rejected before finally accepting the lower offer.
Maybe their new house is finally complete?

A lot of people are not under any time pressure to sell. We are not selling, but if we were, we'd be in that camp.

Yet, they took a lower offer which makes me wonder whether they still had to sell but not immediately.

I applied for and was approved for Chase Ink Business Cash.
The credit limit is $3K.
The sign-up bonus is $900 on $6K spend within 3 statement cycles.

I am guessing that I can spend < $3K and pay it off even before I receive the first statement?
In other words,
spend $2800
pay $2800 from linked bank account
spend $500
pay $500 from linked bank account
and so forth

and still get the $900 bonus after $6K spend?

One house went on the market at $650K 7/22/2022
Finally sold on 2/10/2023 for $625K

I would love to know how many offers they rejected before finally accepting the lower offer.
Maybe their new house is finally complete?

CenTexan wrote: ↑Tue Mar 14, 2023 10:29 am Be aware that you will soon start seeing "Use your Citi Thank-You points to pay $xxx" at various stores (Walmart, Amazon, CVS, gas stations, etc). In all cases I've seen, the cash value is LESS (you lose) if used at point of sale than what you would get if you just keep banking your points until you request a cash back payment from Citi card site (as mentioned above, taking direct deposit is best).

Yes. Be careful when clicking through checkout process.
There is no way to opt out.

I’m seeing a lot of “bunching”, in my town there’s a nice house currently listed it’s 3,100 sf on a half acre in a nice neighborhood, a 1,920 sf townhouse that sold recently on a .1 acre lot was 60% of the cost. This is even more pronounced with single family homes where it might be 70-80% of the cost for 2,200 sf on a quarter acre. The lower end to middle of the market is ripping, whereas the higher end is more placid. The townhomes are up substantially with one selling for 70% more than when it traded hands in 2018, another is up 60% since 2010, another 82% since 2013 and another was up 71% since 2018. It seems kind of crazy to me to spend 70% of what a nice single family runs to get a townhome or “starter” home . At least where I am nic...

LAS_Rick wrote: ↑Tue Mar 14, 2023 9:26 am In past 5 months we sold in Las Vegas and bought in Boise...it was pretty brutal. Sold Vegas home for 15K over asking with 3 offers in first day. Took over 300k in cash to Boise to find a home and it was pretty brutal. Finally got our 3rd home we put offers on - but had to go about 200K over our planned budget, and still didn't REALLY get what we wanted.

Anyone considering this area - I would stay away for the market here to crash (may never happen) - right now it is still significantly overpriced.

I thought inventory in Boise area had increased by 150% ?

I’m seeing a lot of “bunching”, in my town there’s a nice house currently listed it’s 3,100 sf on a half acre in a nice neighborhood, a 1,920 sf townhouse that sold recently on a .1 acre lot was 60% of the cost. This is even more pronounced with single family homes where it might be 70-80% of the cost for 2,200 sf on a quarter acre. The lower end to middle of the market is ripping, whereas the higher end is more placid. The townhomes are up substantially with one selling for 70% more than when it traded hands in 2018, another is up 60% since 2010, another 82% since 2013 and another was up 71% since 2018. It seems kind of crazy to me to spend 70% of what a nice single family runs to get a townhome or “starter” home . At least where I am nic...

How long do we need to keep the accounts open after receiving the $900 bonus? When can we close them? Six months. Where is that stated? No where in the paperwork I received did it give a number of months. I know in other promotions ($600 one) they list 6 months, but in the $900 one, the 6 month language isn't there, so please provide a link or other details to that requirement. I read it in the small print somewhere. You can do whatever you want if you don't believe me. I don't plan on taking my money out before the 6 months which is about about Fourth of July. That's why I'm asking, where did you see it ? I don't see it in any of the paperwork I have. It was clearly written into the earlier $600 offerings, but I am seeing nothing for the ...

humblecoder wrote: ↑Mon Mar 13, 2023 9:22 am The recruiter completely dropped the ball on this one, wasting both the OP's time and the company's time.

I am not letting the company of the hook.
I actually say they are more to blame.
They knew what the OP's current compensation was and still had him come onsite.
At least the recruiter was doing this because of the commission.
What is the company's excuse? Stupidity?

.

volstagg wrote: ↑Sun Mar 12, 2023 2:12 pm

Nyc10036 wrote: ↑Sun Mar 12, 2023 1:33 pm

Gash wrote: ↑Sun Mar 12, 2023 11:53 am How long do we need to keep the accounts open after receiving the $900 bonus?
When can we close them?

Six months.

Where is that stated? No where in the paperwork I received did it give a number of months. I know in other promotions ($600 one) they list 6 months, but in the $900 one, the 6 month language isn't there, so please provide a link or other details to that requirement.

I read it in the small print somewhere.
You can do whatever you want if you don't believe me.
I don't plan on taking my money out before the 6 months which is about about Fourth of July.

Gash wrote: ↑Sun Mar 12, 2023 11:53 am How long do we need to keep the accounts open after receiving the $900 bonus?
When can we close them?

Six months.

Was your interview onsite or virtual? It usually is harder to have such a disconnect when the interview is onsite. The disappointing this is exactly this. The final interview was on-site, and from the technical discussions, we were quite well aligned (I feel), in understanding what we mutually wanted and what we could give each other. They're experts in their area, and they wanted to expand into a space that I'm good at. However, it's when we got to the budget it's when it fell apart. I think they just didn't earmark as much budget as they needed to. Which, for me, feels like they want to hire someone for cheap, but at the same time want an expert with 10 years experience. On a smaller scale I can totally relate to this. Many years ago, I ...

smalliebigs wrote: ↑Sat Mar 11, 2023 12:30 pm

Nyc10036 wrote: ↑Sat Mar 11, 2023 11:40 am A giant waste of time for all parties involved.

That offer is what a regular senior engineer would get.
I don't blame you for being quite disappointed.

That company is not serious about growing.

Exactly. I have no idea what they really, really wanted. Do they want an expert with multicorp experience and network connections with national labs? Or just someone to do the work?

The recruiter must have purposely miscommunicationed things to try and get both sides to a 'point of no return'.

Was your interview onsite or virtual?

It usually is harder to have such a disconnect when the interview is onsite.

smalliebigs wrote: ↑Sat Mar 11, 2023 11:30 am So I heard back from the recruiter, and their offer is:

150k base, no mention of what the bonus is
5k sign on bonus
10 days PTO
No mention of relocation assistance
The recruiter himself will support my MBA studies out of his own pocket for one time $7k

Recruiter tried to convince me that there will be raises once I join and prove myself. And that they're looking more for commitment and passion.

Ultimately, I feel quite disappointed.

A giant waste of time for all parties involved.

That offer is what a regular senior engineer would get.
I don't blame you for being quite disappointed.

That company is not serious about growing.

I want to truly thank everyone who has taken the time to reply. After reading it myself, I shared this thread with DW and we've gone back through and read every post multiple times. There is so much valuable information in here that we want everyone to know how much we've truly appreciated every word written and time spent. One of the quickest things that jumped out to us is that (unfortunately) she is not alone. Hearing that many other people have dealt with similar situations was an initial wave and sense of relief. She's felt very isolated through this whole ordeal and the mental toll of this situation has really eroded her confidence in herself. It is easier to be an outsider to the situation and say "just say no, etc.". It's...

pjm8083 wrote: ↑Fri Mar 10, 2023 9:35 pm Update: Received rejection this evening:

Problem: Your return was rejected because of a problem with our e-file process. We apologize for this inconvenience.
Solution: The problem has been identified and will be corrected in an update that will be available for download the end of the day on 3/13/2023 .
After you download and install the update, you can resubmit your return for e-file again.

Good to know.
I am not getting a refund this year, so the wait is no biggie.

Anyway, I responded to the recruiter with: 200k base+bonus, relocation + realtor fees both ways, 15k compensation for the lost 401k vesting, continued MBA support at the same level I have now, finally matching 20 days PTO That's my wish list. Let's see what they respond with. So I had a chat with the hiring manager on the phone today. Apparently the recruiter did not give them my above wish list to them. So I told him on the phone, listing the above in order of priority. I made it clear that I am open to discussing the terms. His initial response is that it is too much for them. Which is odd, since they know my current pay. The hiring manager said, though, that he will bring this back to the CEO and see what he thinks. But I'm getting a bi...

worthit wrote: ↑Fri Mar 10, 2023 3:42 pm OP,

Sorry your wife is going through this.

What stuck me the most from your post is this.... Her mental health is in a really bad place

I will NEVER trade my health for anything espcecially for a job that treats me badly. I am out the minute I sense a decline in my health and all the norms go out the door for me. Not "worthit" in my book.

Best wishes.

His wife can take back control.
She's ready to quit.
As I wrote in my early post, work as if she doesn't care.
And why does she care?
She's not the owner.
Do just 40 hours as others have suggested.
It is a mindset.
Once she refuses to let them control her and knows that she can just walk away, it can be very freeing.

I would:
a.) take all the personal days I could
b.) take all the vacation days I could
make up some sort of emergency if necessary

I would not talk to HR or Legal. She's just wasting her time.

I have actually quit a job without another job.
I have not regretted the decision.
I have survived.

I have always said that the 2 weeks after resigning from a job are the best 2 weeks ever for that job.

I would still give the 2 weeks notice, and let the company decide how they want to proceed.

ProsperGoalzz wrote: ↑Wed Mar 08, 2023 11:54 pm Just posting to say I am on my 2nd Eureka vacuum. The first one lasted 20+ years. I've had this one for maybe 10. Excellent product. Even cleaning people remark on it.

good luck!

The two I have are the Eureka The Boss SmartVac with HEPA filter.
They don't sell it anymore.
I have had one for 10+ and the other for 15+ years.

While this new company itself isn't a startup, you will be heading up a startup department.
Think of it that way.
Uncharted territory with compensation to match.

shunkman wrote: ↑Wed Mar 08, 2023 5:36 pm Is the fan blade assembly loose on the shaft? This was the cause of my noisy bathroom fan.

No.
It worked perfectly fine when not in the sheet metal box.

1hotjava wrote: ↑Wed Mar 08, 2023 3:44 pm If this is the standard builder model, they are just noisy as heck. Some of the models have upgrade inserts for them. Thats what I did with mine.

https://www.broan-nutone.com/en-us/accessory/qk60s

As for the exhaust duct, yes it can make a difference. If its not flowing well that creates backpressure and the fan will be noticeably louder.

The model I have is the 696-R02 which is upgrade kit seems to fit.

Did it make a noticeable improvement?

mpnret wrote: ↑Wed Mar 08, 2023 2:33 pm Swap the motor assemblies between the 2 fans,

I would except that I had a really hard time removing and putting back the assembly.
I don't want to create a bigger problem than just a noisy fan.

bradinsky wrote: ↑Wed Mar 08, 2023 2:51 pm Is the sheet metal box that the fan assembly mounts into secure? If it isn’t, the you will have a significant amount of vibration & noise.

It is.
I had a heck of a time prying out the assembly and putting the assembly back it.
Very tight.

mega317 wrote: ↑Wed Mar 08, 2023 4:09 pm Thanks all for the comments. I finally got through on the phone, they reset my card. Couldn't/wouldn't tell me why it was flagged or how to prevent it from happening again. I tried again because I'm a sucker, first at payUSAtax which didn't work, then again at ACI which DID somehow.

I love the non-linked site to add a zip code, may try that in the future.

No idea who the servicer is, but my tax payment of $497.80 ultimately seems to have worked.

Be sure that you use the website on the back of your gift card to do anything related to your gift card.

My $500 VISA gift card was compromised, because I checked my balance on a scam website. Totally my stupidity.

Vanilla VISA gift cards are issued by several companies and serviced by several companies.

One of the biggest servicers of Vanilla VISA gift cards is Blackhawk Network.
If the one you bought is serviced by BHN watch out!

There have been issues with them by those who use them for manufactured spending.
It may be that paying taxes with them caught you in BHN's net.
Apparently, $485 or something less than that is the upper limit of what can be used at a time a $500 VISA gift card.

I have two Broan-NuTone fans in each of the bathrooms on the second floor.
One of the fans is noticeably noisier than the other when on.
I removed fan #2 's motor+fan assembly and connected it to a wall outlet, it was quiet.
I had intended to replace it.
Back into the metal case and the noise returns when power is applied.

I have been Googling, and it seems that the only other possible cause for this noise is because of the ductwork this fan is pulling air into.
Changing the ductwork isn't something I want to do.
Is there anything else that can be done?

lthenderson wrote: ↑Tue Mar 07, 2023 4:22 pm

Nyc10036 wrote: ↑Mon Mar 06, 2023 3:26 pm I don't like the bagless design but it seems most vacuum cleaners are bagless.

Curious as to why you don't like bagless? I find them easier to empty and reinsert the cannister than messing with bags, assuming you have another one in stock and haven't forgotten to special order them ahead of time. My bagless can be emptied with one hand pushing a single button. It is also extremely light weight.

Because I have seen a bit of the insides of the vacuum bags and it pretty disgusting.

arnik83 wrote: ↑Wed Mar 08, 2023 10:21 am Good input on the utilities side of things . will explore that

I have the US Bank Cash+.
I use it for utilities and Comcast
No hassle and easy.
There is a $25 minimum redemption limit, but you reach that quickly.

life in slices wrote: ↑Tue Mar 07, 2023 12:41 pm Hi OP,

You have it right, except the SE tax is only calculated on a portion (although most of it) of your net profit

Gross earnings - expenses = Net Profit
Net Profit * 92.35% * 15.3% = SE tax. (only 92.35% of your net profit is subjected to the SE tax)

Available for 401k = Net profit - (SE Tax*0.50) (50% of your SE tax is refunded back to you, as you noted)

Thank you.
I used this link someone else provided in another thread : https://obliviousinvestor.com/solo-401k ... alculator/
The website performed the calculation, but didn't explain how the SE tax is calculated.