Bogleheads.org

TheAccountant

a boat

TheAccountant

It's for investing and withdrawing before retirement without penalty.

You still need to pay attention to risk tolerance, etc. just like with anything else.

For most people they are better off in a savings/MM account unless they can risk losing funds associated with market ups and downs.

TheAccountant

What the OP just did is a great example of what not to do with your retirement portfolio.

TheAccountant

The yield curve is not inverted. Just looked last Friday with a Fidelity advisor. But it is relatively flat. We see this with quality too. You have to go down in quality to still investment grade but almost junk before you see a substantial increase in yield. Good old FDIC Insured Certificates of D...

TheAccountant

It took a month or two in 2006 for the three year to yield more than the ten year. Same thing happened then too, the three year was higher than the five year. Definitely requires a careful eye. The real recession begins when the basis points increase for all categories, at least looking back in time...

TheAccountant

https://www.bloomberg.com/news/articles ... nd=premium

[Distracting animated GIF removed by admin LadyGeek. Here's the link: https://media.giphy.com/media/a8GOUGGMCOSIM/giphy.gif]

TheAccountant

It’ll hurt your credit score because your credit utilization will be higher.

One dollar won’t make a difference though. Dumb idea IMO.

TheAccountant

I’ve actually had clients offer to PayPal me money because they wanted their own copy of my custom budgeting spreadsheet.

It basically has the budget on the left, but the main part is a calendar that shows what money is coming in and out on any given day of the month.

TheAccountant

Does your career field have salary guides?

I’d want at LEAST that much in comp, plus a match of my current benefits. Really though it sounds like you’re better off at your current gig unless this company is going to double your salary.

TheAccountant

You can sue somebody for farting if you wanted to, that doesn’t mean you’ll win. The fact that this has been settled already means the chance of them coming away with any kind of money from this is slim to none. I’d contact your insurance and tell them what’s going on, and have their lawyers close t...

TheAccountant

$ 5,000 economy car in good condition with snow tires will be your best bet.

Park the truck.

TheAccountant

Only experience I have with the current EcoBoost is my friend who went through 3 engines before Ford bought it back on lemon law. The new Chevrolet's have shudder issues that were supposedly fixed. I'm still not confident in their displacement on demand engines. Lots of rear fender and frame rot on ...

TheAccountant

Who cares. Bogleheads and market timing are two completely different ends of the investment spectrum and a true BH accumulates wealth no matter what the market is doing because they don’t panic at every little blip and have a reasonable AA selected.

Sick of these threads.

TheAccountant

The Camaro 2.0T has been on my mind lately. It’s basically a Cadillac ATS (great platform) and the ECOTEC is a great motor. The GTI with APR Stage 2 would get my vote if the Camaro isn’t your style. You can get them in 2 or 4 door and the hatch is extremely useful. Relative has one that’s 8 years ol...

TheAccountant

Better off running that Cherokee into the ground if you're going to be putting on that kind of mileage. Trust me, 90k is just barely broken in on cars these days.

TheAccountant

IMO - once a week to keep things lubricated. If you're going to let things sit for any length of time, you need to properly prepare them for storage. Lookup how boats are stored - a lot of this carries over to automotive storage as well. Adding some fuel stabilizer and parking a car for months at a...

TheAccountant

Put snow tires on whatever you get. I'd rather drive a Corvette on Blizzaks over a Civic with all seasons in a snowstorm.

TheAccountant

IMO - once a week to keep things lubricated. If you're going to let things sit for any length of time, you need to properly prepare them for storage. Lookup how boats are stored - a lot of this carries over to automotive storage as well. Adding some fuel stabilizer and parking a car for months at a ...

TheAccountant

25k miles a year? Buy the most comfortable car that’ll get the job done. Fixed it for you. 25K miles a year is a lot of windshield time, you're going to want to be comfortable. Meh, if the seat moves forward and back and reclines it's comfortable enough for me. Lumbar support is a luxury!

TheAccountant

My experience with GEICO is that they will use ANY excuse to raise your rates. So, you'll need to do a cost analysis to find out the average increase after a ticket, and weigh that against getting a lawyer and all of that nonsense associated with it. My advice? Find a good traffic lawyer, send them ...

TheAccountant

Never understood why people are so afraid to update their software. Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe? That’s one update. I meant keeping windows 7 on a computer when newer versions are available. No actually it's not ...

TheAccountant

Try NADA.

TheAccountant

Just as an example - I wanted a manual trans, extended cab 4x4 pickup that could tow 5000 lbs with ease. I looked at the TRD sport. Sticker 35k. Dealer would not negotiate. A 2016 private party was 28k. The dealer had a few on the lot for 32k with 45-60090 miles. Dealer would not negotiate and used ...

TheAccountant

I wouldn’t worry about cash or finance as much as I would worry about spending 38k on a Tacoma. A Tacoma is probably the best vehicle to buy in terms of holding value. You can’t find a used 2 year old Tacoma for 8k less than original MSRP that doesn’t have a salvage title. To each his own... 38k is...

TheAccountant

Gold is historically an awful investment but it goes along nicely with tin foil hat collections.

TheAccountant

Used to. Not a good investment, even with good gains - and a PITA come tax time.

TheAccountant

2015 wrote: ↑
Sun Oct 14, 2018 7:28 pm

TheAccountant wrote: ↑
Sun Oct 14, 2018 6:46 pm
Never understood why people are so afraid to update their software.
Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe?

That’s one update. I meant keeping windows 7 on a computer when newer versions are available.

TheAccountant

25k miles a year?

Buy the cheapest car that’ll get the job done.

TheAccountant

KlingKlang wrote: ↑
Sun Oct 14, 2018 6:56 pm

TheAccountant wrote: ↑
Sun Oct 14, 2018 6:46 pm
Never understood why people are so afraid to update their software.
You lose the ability to run useful applications that you have paid for.

Must be an IT thing.

TheAccountant

They will issue a statement in March that you would use for tax purposes. It shows your basis.

TheAccountant

How old are the funds? I think Vanguard calculates basis after a certain date.

TheAccountant

Never understood why people are so afraid to update their software.

TheAccountant

Look at the statement issued by your brokerage company. If they’re older stocks/funds then you’ll have to do some digging to find your basis (unless your bookkeeping is spot on.)

TheAccountant

Love this podcast.

TheAccountant

That largely depends on what part of the east coast you’re currently living on.

TheAccountant

I wouldn’t worry about cash or finance as much as I would worry about spending 38k on a Tacoma.

TheAccountant

My daily driver has had a leaking (more like weeping) axle seal since it was 1 year old. Replacing it did nothing to fix it.

Just keep the fluids topped off (you should be checking everything regularly anyway) and you’ll be fine.

TheAccountant

Don’t replace it just because of age or miles. Do you invest based off of today’s news? Run the numbers and then make the decision.

TheAccountant

Set traps and then shoot them in the face with an air rifle. Dispose of carcass.

Check with your state DEC on laws and procedures regarding nuisance animals.

TheAccountant

You need to track your costs per mile and compare that number against what a new car would cost.

TheAccountant

Use one of these under your sleeping bag: https://www.amazon.com/Therm-Rest-Ridge ... B0775GGXM6

Don't fool around with propane heaters or running your car to warm up. Dress for the occasion and you'll never be cold.

TheAccountant

I just sent a PM and it shows up in outbox.

Is outbox on here similar to outlook, where it hasn’t sent yet?

TheAccountant

I’m going to bed.

First thing tomorrow AM I’m going to login to Bloomberg with a cup of coffee and laugh at the over-hyped panic of this mere blip on the radar.

TheAccountant

Let’s be honest - you don’t buy a $ 35,000 electric car to save money. They are niche products, always have been and always will be. What do you do in 5-8 years when these are all rusted out and components need to be replaced? Closest dealer is two hours away and is backlogged for months with repair...

TheAccountant

Very foolish move.

TheAccountant

We sold some trees on a 15-acre plot of land for ~ $ 2,500. Not surprised at all.

TheAccountant

Don't they spec 0-weight oil in this thing now? No surprise that it uses a bit of oil. Not sure what they spec, but Subarus had this problem for many years, and I personally will not buy a new vehicle whose manufacturer wants me to check oil level every other fill-up. Others might find that accepta...

TheAccountant

So quick update, and an admission from me (OP). I have not liked the look of older Foresters. That said, the wife and I went and checked out a 2019 Forester Sport, and thought it looked really nice. It's likely polarizing on aesthetics, you'll think it looks good and like the orange accents, or you...

TheAccountant

Family of four, kids ages 4 and 7. Spouse daily driver, live in a large city (Atlanta), and spouse wants maneuverability and easy to park. Daily it will be driving around all four of us due to how we carpool and drop the kids off at school and daycare. It will also be a weekend getaway vehicle for ...

TheAccountant

My close relatives own both of these cars, and I've spent a fair amount of seat time in each. My thoughts: 1. Both great in the snow - even on all-seasons. 2. Both extremely comfortable Driving impressions: Both have the 4-cylinder engines. The Crosstrek is way more fun to drive. I took it hiking on...

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