Search found 16 matches

by AtlBoglehead
Fri Jun 19, 2020 2:28 pm
Forum: Personal Investments
Topic: Sequence of Withdrawal
Replies: 2
Views: 350

Sequence of Withdrawal

I'm in my late 70's with a net worth of about 1.5 M, mostly ROTHS. I also have a fairly substantial 401K. So far we have lived comfortablely in retirement on our SS plus a small pension and the RMD from my traditional 401K. I think I am in the 22-24% marginal tax bracket. Now I need to make a few lu...
by AtlBoglehead
Wed Sep 18, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Need to buy new over the range microwave; which brand/model is reliable?
Replies: 16
Views: 1068

Re: Need to buy new over the range microwave; which brand/model is reliable?

I have two kitchens in my home. We installed 2 GE microwaves about 10 yrs ago. Never had a minute's problem with either. Haven't had a problem with our GE stove either. But our LG refrigerator and LG stove are constantly breaking. So I'd avoid LG like the plague if I were you.
by AtlBoglehead
Wed Aug 21, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land - no metes and bounds description
Replies: 14
Views: 1102

Re: Buying land - no metes and bounds description

My son just bought a 61 ac farm in KY, no m & b, instead from this rock to that big tree. Bank required survey, which cost $12,000. Surveyed tract turned out to be only 55 ac. He closed anyway. So, my advice, be careful - early!
by AtlBoglehead
Fri Aug 09, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?
Replies: 37
Views: 3293

Re: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?

I've been a full-time or part-time licensed RE agent since 1983 - 36 yrs. Different locations may have different standards, but in real estate school we were taught to base sq footage on EXTERIOR to EXTERIOR measurements of HEATED AND COOLED space, regardless of floor or basement. Want to know the s...
by AtlBoglehead
Fri Jul 26, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Gas Stove
Replies: 23
Views: 1657

Gas Stove

I need a gas stove brand recommendation. This one is not for my rentals, but for my personal home. I plan to keep cost under $1,000. Now have electric, but stove area is plumbed for gas, too. Going to gas so we'll have an extra heat source when power is out (keeping 100-yr-old MIL). Just wonder if a...
by AtlBoglehead
Mon Jun 10, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 174313

Re: What frugal thing did you do today?

Today I cut open a tube of prescription cream and, risking slicing my finger badly, reached inside to get the remaining cream that couldn't be pressed out. My finger is still intact, so I'll go back in it tomorrow to get the rest before going on to the new tube.
by AtlBoglehead
Mon Jun 03, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2793

Re: New refrigerator noise is driving us nuts

We refurbished with an LG fridge and range. Both are junk. Wife and I are now avoiding LG products.
by AtlBoglehead
Wed Apr 03, 2019 2:44 pm
Forum: Personal Investments
Topic: HELOC versus personal loan
Replies: 18
Views: 853

Re: HELOC versus personal loan

Disclaimer: I'm not a CPA. But I think the HELOC is still deductible, if used for certain purposes, including, among others, home improvement.
by AtlBoglehead
Mon Mar 18, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Picking between two job offers...
Replies: 12
Views: 1489

Re: Picking between two job offers...

I would not take # 2 - security iffy. I'd take # 1 or stay put. Give consideration to where you want to live - climate but esp family. Kids may be coming. Their grandparents may be passing. These intangibles are hugely important to 3 generations, or will be in retrospect.
by AtlBoglehead
Mon Mar 18, 2019 7:56 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 11950

Re: How to get over a $25K stock market loss?

Great advice above. Everybody who invests, including Warren Buffett, makes very costly mistakes from time to time. The market is like that. You win some; you lose some. Look at it this way. This "accidental" loss will be more than compensated for if you learn the lessons others have outlined above, ...
by AtlBoglehead
Mon Mar 18, 2019 6:03 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 11950

Re: How to get over a $25K stock market loss?

Great advice above. Everybody who invests, including Warren Buffett, makes very costly mistakes from time to time. The market is like that. You win some; you lose some. Look at it this way. This "accidental" loss will be more than compensated for if you learn the lessons others have outlined above, ...
by AtlBoglehead
Tue Feb 12, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Best Mattress Close to Original Tempurpedic
Replies: 28
Views: 4870

Re: Best Mattress Close to Original Tempurpedic

A better option might be a 100% natural latex mattress. Very durable, cool, comfortable. Look at CozyPure, FloBeds and, for good less pricey models, Habitat Furniture. Also, Consumer Reports (and The Bed Guy) recommends hybrid mattresses by long-time manufacturer, Charles P Rogers. Hybrid = innerspr...
by AtlBoglehead
Tue Feb 12, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: How Investing Ability Changes With Age --blog post
Replies: 33
Views: 2975

Re: How Investing Ability Changes With Age --blog post

Well, Warren Buffett and Charlie Munger aren't spring chickens, but seem to be doing quite well, thank you. And as far as the notion of sticking with a growth Life Strategy Fund for life, that's not too far off Buffett's advice to his family to adopt a 90/10 portfolio. At 77 I may need advice on tec...
by AtlBoglehead
Fri Dec 07, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2506

Re: When to consider making extra principal payments on mortgage?

With that low interest rate, I would NOT prepay but instead put the extra money in savings toward my new home. By the time I got ready to buy and move, I'd have saved a dwnpmt without having to sell this house. Then I'd get me a new home while keeping the present one with its low owner-occupied rate...
by AtlBoglehead
Sun Nov 11, 2018 12:55 pm
Forum: Personal Investments
Topic: Asset allocation question: How to include farm rental income in my model?
Replies: 9
Views: 679

Re: Asset allocation question: How to include farm rental income in my model?

Simplify the complex. Don't consider the farmland as a part of your AA, but rather as a separate investment in real estate, which often has a somewhat low correlation to stocks and bonds. If you don't need the 20K for cashflow or debt reduction, put it into a separate emergency fund acct. As additio...