Search found 61 matches

by knibloe
Wed Nov 10, 2021 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can insurance copays be duducted on taxes for self employed?
Replies: 0
Views: 373

Can insurance copays be duducted on taxes for self employed?

If someone is self employed and gets hurt while working, could they deduct their out of pocket expenses? More specifically, I have a small farm. Part of that includes an apiary (bee farm). I got stung the other day while I was working the bees. I had a severe reaction and ended up in the ED. Could my copays and deductables be considered a business expense? I also know that one cannot double dip. So if the expenses in question were paid with pre tax dollars I understand that they wouldn't be deductable a second time.

I suppose a similar question could be if someone drives a personal vehicle for business related activities and had and accident while conducting business, would their deductables be considered a business expense?
by knibloe
Fri Nov 05, 2021 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing land with existing solar contract
Replies: 12
Views: 1484

Re: purchasing land with existing solar contract

jimmynohome wrote: Fri Nov 05, 2021 10:10 am
knibloe wrote: Thu Nov 04, 2021 7:17 pm which is why I havent signed the same lease for any of the property I currently own
I find it a little odd that you won't sign the contract for the land you own, but at the same time you are interested in essentially paying a premium on the contract that someone else signed. Those actions don't quite add up to me.
[ quote fixed by admin LadyGeek]

I am not opposed to solar. I just like a little space between it and me. I also believe that there will be some better opportunities for higher leases and higher inflation indexes.
by knibloe
Thu Nov 04, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing land with existing solar contract
Replies: 12
Views: 1484

Re: purchasing land with existing solar contract

Silk McCue wrote: Thu Nov 04, 2021 5:58 pm The 2% annual inflation will not keep up with inflation. Not my idea of a good time.

Cheersh
which is why I havent signed the same lease for any of the property I currently own
by knibloe
Thu Nov 04, 2021 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing land with existing solar contract
Replies: 12
Views: 1484

Re: purchasing land with existing solar contract

Property is located in NYS. Nothing is certain in life, but the solar project is fairly likely to go forward. They have spent the last 2 years upgrading the power lines in the area. A small 20 acre field is going in right now and this parcel is the closest to the substation, so ... I haven't seen the existing lease, however I was approached earlier this year. If the contract is from the same company it has a 2% annual increase. Of course, I would want to look at it before purchasing. I just want to figure out if there is a way of dividing the purchase into two pieces "dirt" and for the lack of a better term "annunity." Correct about the taxes, I dont want to earn 20K, pay 10K in property taxes and pay 5+ in income taxes....
by knibloe
Thu Nov 04, 2021 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing land with existing solar contract
Replies: 12
Views: 1484

Re: purchasing land with existing solar contract

LadyGeek wrote: Thu Nov 04, 2021 11:19 am This thread is now in the Personal Finance (Not Investing) forum (land purchase).
Thank you, I wasn't sure where to post it.
by knibloe
Thu Nov 04, 2021 9:19 am
Forum: Personal Finance (Not Investing)
Topic: purchasing land with existing solar contract
Replies: 12
Views: 1484

purchasing land with existing solar contract

There is a parcel of land near me that is 50 acres. Twenty of them have a 40 year solar lease that has not been built yet. but will pay $20,000 per year. Slated construction is 2022. They are asking $300,000 which is 2-4x the value of the land. Taxes on the $300,000 would e 10K annually. Basically, the people are rollong the value of the land and the solar lease into one item. Is it possible to separate the land and the lease for purchase? Example pay $150,000 for th eland and $150,000 for the lease contract? The solar contracts state that they are resposnible for excess property taxes due to the build, but if one buys the two together, like they are asking the new purchaser would end up paying extra taxes.
by knibloe
Sun Oct 31, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Decluttering your life (financial and otherwise)
Replies: 17
Views: 3008

Re: Decluttering your life (financial and otherwise)

Overall decluttering is definitely a positive, but there will always be times when it you'll end up tossing something that would be useful later. This is true however.... I've completed several major downsizings in my life. In two notable cases I was forced to get hyper-liberal in what I got rid of. To your point, I wound up tossing a couple of things I needed later on. A conduit bender and a copper tubing cutter are two that come to mind. That said, I would rather get rid of 100 things and wind up having to repurchase one of them than be stuck with 99 things that I never use. I like your philosophy. My garage is so cluttered that I can never find anything that I need, so I end up repurchasing things that I have "stored" and cann...
by knibloe
Thu Oct 07, 2021 8:48 pm
Forum: Personal Consumer Issues
Topic: What is your cell phone bill for a family of 4 grown-ups?
Replies: 118
Views: 11315

Re: What is your cell phone bill for a family of 4 grown-ups?

total wireless $100 mo for 4 phones unlimited talk text and I think unlimited data .
by knibloe
Mon Aug 23, 2021 9:45 pm
Forum: Personal Investments
Topic: Where are you storing your emergency fund money?
Replies: 109
Views: 16572

Re: Where are you storing your emergency fund money?

pasadena wrote: Fri Dec 18, 2020 11:09 am
SundayMorning wrote: Fri Dec 18, 2020 11:05 am Actually, I gave up chasing yield on emergency funds a few years ago. My strategy is:
Me too. I keep it at Vanguard, in VMRXX (money market). Currently very bad in terms of yield, but moving it to chase yields isn't worth the hassle. Moving it to Ally would bring in about $120 more a year, at today's rates *yawn*. I enjoy the simplicity.
Not to mention that of the $120 you would probably pay $40 in taxes.
by knibloe
Tue Aug 03, 2021 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doctors visit/ included physicals
Replies: 65
Views: 7121

Re: Doctors visit/ included physicals

I would love to see congress act to fix this exploitation of the intent of the law. Yearly wellness checks should be free, and they should include at least "x" minutes of time with the doctor for which s/he cannot charge extra . Sure. Let's just raise insurance premiums to cover those x extra minutes with the doctor. I'm sure the insurance companies will do everything at cost without greasing their own pockets on this line item. Nothing is free. Even if you feel entitled to it. I wouldn't mind being charged for the few extra minutes and a reasonable bill for that time would lower premiums. However, what they end up charging for is a complete physical and another complete visit because you asked a couple questions. This practice d...
by knibloe
Tue Aug 03, 2021 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Doctors visit/ included physicals
Replies: 65
Views: 7121

Re: Doctors visit/ included physicals

This is one of the scams being pulled by doctors/insurance companies so that they can bill you for something which the ACA requires to be provided for free. I'm a healthy person (no pre-existing conditions, no meds, nothing) but because of my age I like to get a wellness check once per year. Virtually no doctor I call will see me for my "covered" yearly wellness check without first charging me for an 'intake' visit. Of course, the intake visit does not benefit me at all - no services are rendered - so it's just a billing opportunity. The other scam bites you if you dare to ask any questions during your wellness visit. My adult daughter (also healthy) went for her wellness visit, and asked one or two questions about minor issues t...
by knibloe
Thu Apr 29, 2021 4:45 pm
Forum: Personal Consumer Issues
Topic: Rental Car Availability
Replies: 37
Views: 8675

Re: Rental Car Availability

Read an article earlier this week that there are no rental cars available in Hawaii. People have literally been renting Uhaul box trucks to drive around the islands.
by knibloe
Tue Apr 27, 2021 3:20 pm
Forum: Personal Investments
Topic: How fast to readjust AA
Replies: 14
Views: 1383

Re: How fast to readjust AA

Well, I had some good fortune, last week when I traded out my company stock, it was up about $8 a share. Now it has lost those $8, so I was able to capitalize on the upswing. Nice to get a bit of good fortune once in a while.
by knibloe
Tue Apr 27, 2021 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Creative ways to reduce AGI
Replies: 32
Views: 5827

Re: Creative ways to reduce AGI

I'm in a situatiion where I want/need to reduce my AGI. For me it makes a difference of $5000 in capital gains or $0.
by knibloe
Mon Apr 26, 2021 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Why NOT add baby as authorized user to build credit history?
Replies: 85
Views: 8439

Re: Why NOT add baby as authorized user to build credit history?

123 wrote: Sun Apr 25, 2021 4:25 pm The risk of adding a baby as an authorized user to build credit history is the chance that the baby's personal information (name, DOB, SSN, etc) will be compromised in a hacking incident.

Our son got along fine just starting a checking and savings account by age 16 at a major bank (happened to be BofA) and then applied there for a credit card at age 18 when he was going away to college.
This would be my concern.
by knibloe
Fri Apr 23, 2021 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Creative ways to reduce AGI
Replies: 32
Views: 5827

Re: Creative ways to reduce AGI

Farm losses count.

What is a DAF to frontload charitable expenses?
by knibloe
Fri Apr 23, 2021 5:05 pm
Forum: Personal Consumer Issues
Topic: Woodworking Tool Question
Replies: 14
Views: 1492

Re: Woodworking Tool Question

My drill has a level on it to help with this
by knibloe
Thu Apr 22, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Federal government not taking taxes as scheduled
Replies: 53
Views: 5271

Re: Federal government not taking taxes as scheduled

knibloe wrote: Thu Apr 15, 2021 9:21 pm I "sent" and estimated tax payment. State taxes were taken federal were not.
Mine posted today.
by knibloe
Thu Apr 22, 2021 8:56 am
Forum: Personal Investments
Topic: How fast to readjust AA
Replies: 14
Views: 1383

Re: How fast to readjust AA

I made some adjustments in my 401K. I diversified out of my company stock into two targeted funds. One for 2030 and the other for 2035. These now account for 30% of my 401K. The remaining 70% is still in stock mutual funds. Do I transfer out of those and into the two targeted funds with Fidelity?

OPCU SS TRGT RET 2035 M
OPCT SS TRGT RET 2030 M

As I write this, I realize that I am asking a group of strangers for advice. I do not have a financial advisor. I presume that I need one. How does one best go about this (trading a group of strangers on the internet for a paid stranger in person)?
by knibloe
Wed Apr 21, 2021 7:39 am
Forum: Personal Investments
Topic: How fast to readjust AA
Replies: 14
Views: 1383

Re: How fast to readjust AA

Thank you all for your thoughts. I will reallocate my 401K now rather than wait. The 8% ESop won't be changed this year. My income is up in 2021 and there is no sense piling on the tax load. I have toyed with the idea of using the ESOP as my donations to church over a period of several years. That would help me avoid capital gains, but downside, I need to hold it.
by knibloe
Tue Apr 20, 2021 7:24 am
Forum: Personal Investments
Topic: How fast to readjust AA
Replies: 14
Views: 1383

How fast to readjust AA

I am in my early 50's. My current AA is 87% (80 domestic and 7 foreign) stocks, 2% bonds and 10% cash. Roughly 1M total of which 75% is in my 401K. It worked well for me last year, but I know I am playing with fire and not good FIRE. In the early days of my 401K the match came as my companies stock and that has it's ups and downs. As it hit several peaks lately, I have transferred several large chunks into a 2035 target option in my 401K. Still hold 22% (14% 401K and 8% taxable) of my total portfolio in company stock.

Do I readjust all at once or over a period of time kinda of like dollar cost averaging?
by knibloe
Sat Apr 17, 2021 1:40 pm
Forum: Personal Consumer Issues
Topic: Replacement windows
Replies: 19
Views: 1876

Re: Replacement windows

I live in western NY about an hour south of Buffalo. Just out of the major snow belt. In regards to zoning and permits. As I undersatand it, if I put them in, I can get away w/o a permit. If I hire a contractor, I will have to go through the whole hassle. I have put in several new windows already on the back side of the house, but there are 9 windows on the front that I want to look nice and get put in quicker rather than one at a time.
by knibloe
Fri Apr 16, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Replacement windows
Replies: 19
Views: 1876

Re: Replacement windows

JoeRetire wrote: Fri Apr 16, 2021 10:17 am
knibloe wrote: Fri Apr 16, 2021 9:30 amI used Anderson windows

I want a product that I will not have to replace in the next 30-40 years.
Andersen windows are nice. But 40 years is a long time.
Yes 40 years is a long time. So I am not adverse to paying for a good window. Just need to know which ones will/might last that long.
by knibloe
Fri Apr 16, 2021 5:03 pm
Forum: Personal Consumer Issues
Topic: Replacement windows
Replies: 19
Views: 1876

Re: Replacement windows

homebuyer6426 wrote: Fri Apr 16, 2021 10:52 am My 1938 house still has the original windows, just with galvanized storm windows added over them in the 70s. They are in good shape, except that the internal weights don't work so you have to keep them open by propping them with wooden poles, which isn't a big deal to me.

What's your complaint with the old windows? Are they letting cold air in? Fungus on the glass? Or just hard to open?
The windows are old enough that they do not have weights. They are single pane, the wood frames have seem much better days. They sweat so they get damp and have mildew on the inside. hard to open, and leak air around the sashes like crazy. Plus they offer no noise protection from the outside and I woudl like to have that.
by knibloe
Fri Apr 16, 2021 9:30 am
Forum: Personal Consumer Issues
Topic: Replacement windows
Replies: 19
Views: 1876

Replacement windows

My home is is need of replacement windows. It was built in the 1830's. Not really sure how old the current windows are. At least 100 years. The last couple I did, I pulled the old wood frames out and put new construction windows in. I used Anderson windows: Vinyl outside, wood frames, wood on the inside. I like them. Anyone here have thoughts on them or other windows? This home has been in the family since it was built. I don't plan on moving so I want a product that I will not have to replace in the next 30-40 years.
by knibloe
Thu Apr 15, 2021 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal government not taking taxes as scheduled
Replies: 53
Views: 5271

Re: Federal government not taking taxes as scheduled

I "sent" and estimated tax payment. State taxes were taken federal were not.
by knibloe
Mon Apr 12, 2021 8:41 am
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 10064

Re: Mixing Bogle and Ramsey to build my portfolio

[quoted post removed by admin LadyGeek]

This is the kind of vitriol that at times makes Bogleheads an unwelcome site to visit. The OP wanted to gain perspective on his current situation. Instead his thread was hijacked and one of the tools the the OP used to help get him where he is was trashed. I thought that pesonal attacks and name calling were prohibited? If that is so, half the posts on this thread should be deleted.
by knibloe
Thu Apr 08, 2021 7:13 am
Forum: Personal Consumer Issues
Topic: Talk me out of DIY Yard drain project.....
Replies: 37
Views: 3965

Re: Talk me out of DIY Yard drain project.....

What about a hybrid? Hire some cheap labor to trench. You buy the tile, lay it and backfill.
by knibloe
Thu Apr 01, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance - free lunch?
Replies: 25
Views: 2727

Re: Term insurance - free lunch?

I went with a 20 year policy that I got from an indepenent agent who who shopped for me. In three years I will be 55 when the policy runs out. my youngest child will be 21 by then and hopefully out of college and on his own. We have also managed to save enough that my wife could live off of the savings, pension and SS. I figured that when my term insurance ran out, I wouldnt need as much and I get 2-3x my annual pay in insurance from my employer with the option to buy more if i need it, which i will not.

I do like the questions that others raised about how much are your acutual expenses. I think that while the 10x rule is a good starting place, we shouldn't allow insurance salesmen to use it to sell us more than we realistically need.
by knibloe
Tue Mar 30, 2021 2:23 pm
Forum: Personal Consumer Issues
Topic: Battery operated garden tools
Replies: 21
Views: 3852

Re: Battery operated garden tools

alfaspider wrote: Mon Mar 29, 2021 12:34 pm Black and Decker is a fairly low end brand as far as battery operated power tools. One thing to consider is whether you may use non-garden tools as well, or if you are confident that you just want garden tools. Greenworks makes good yard tools (for example), but they don't make anything else. Ryobi has some pretty heavy duty battery powered blowers with their 40v system.
I like my Ryobi blower. Was not happy when the wife brought it home, but I use it blow out the mower, tractor, wagon, bed of my truck... havent used it much on leaves, but it does work.
by knibloe
Thu Mar 18, 2021 7:23 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 387
Views: 40271

Re: Received 3rd stimulus check 3/12/21

Got $5600 the other day. Not really sure why. I am married and my wife and I both got the two previous stim checks. However, we did not get it on our children. One turned 18 in July and the other is 22. Neither of them received any previous stim.

At this point in time not really sure who should have gotten what and when. Where would I go to get clarification?
by knibloe
Wed Mar 03, 2021 8:38 pm
Forum: Personal Investments
Topic: Best way to reduce ESPP positions in taxable account?
Replies: 12
Views: 1150

Re: Best way to reduce ESPP positions in taxable account?

Are you a giver? If I undrsatand it correctly, you can donate appreciated assets at their current value and not pay capital gains. Is this correct? I believe that I am going to try this with my ESOP.
by knibloe
Wed Mar 03, 2021 8:33 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 107
Views: 10948

Re: Anyone ever tired of managing hair and consider shaving to go bald

I started doing is several years ago. I use a number 2 on what is left. That way , I dont have to do it as often. Kinda feel if I shaved it completely it would require me to shave more often. I hit the clippers every 2-3 weeks.

When the boys were younger, I hated paying $15 each for haircuts. I told them if they would let me cut their hair I would pay them $5. Saved me a ton of money. They generally took a number 4-5
by knibloe
Wed Mar 03, 2021 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 income
Replies: 10
Views: 930

Re: 1099 income

Thank you all. We appreciate the help. Thanks especially for the links .

Chris
by knibloe
Wed Mar 03, 2021 6:10 am
Forum: Personal Finance (Not Investing)
Topic: 1099 income
Replies: 10
Views: 930

1099 income

Not sure where to put this. Sorry if it is in the wrong catagory. My son's fiance has been working as a nanny and the family is moving. She has found a new position. The challenge is that the old employer took care of payroll etc. The new one wants her to take care of it on her own by giving her a 1099 at the end of the year. We live in NY if that makes a difference. 1. My tax preparer said it was ok so long as she pays quarterly extimated taxes to the state and fed. 2. he recommended she ask for more because she will need to pay the full 14% SS taxes. 3. Is there a different level of liability on her part? If I understand it correctly, she will be an "independent contractor" as opposed to an employee. 4. Are there other considera...
by knibloe
Mon Mar 01, 2021 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 169
Views: 20112

Re: Fidelity 2% Credit Card: Update on Any Issues or Experiences

FedGuy wrote: Sat Jan 16, 2021 6:41 pm Losing it (receipt) was my fault, and I've since revised my procedures for keeping records of this stuff, but I've seen others online complain that this card often fails to honor those deals.

I mostly stopped using the card after that.
Im notorious for losing paper work. My go to now is my cell phone. If I think i need it later, I snap a picture of it.
by knibloe
Thu Feb 25, 2021 10:22 pm
Forum: Personal Consumer Issues
Topic: Can I grow Black Oil Sunflowers in my garden from bird seed?
Replies: 10
Views: 9325

Re: Can I grow Black Oil Sunflowers in my garden from bird seed?

I met a woman recently who grows a couple acres of sunflowers per year and sells them at a roadside stand. I told her we have never had good luck growing them. She said buy the cheap birdseed and plant them. So, yes.
by knibloe
Thu Feb 18, 2021 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [When are capital gains taxes paid?]
Replies: 15
Views: 1756

Re: Taxes [When are capital gains taxes paid?]

RudyS Thanks for the reply.

I purchased the farm from my grandfather in 96. He charged me well under market value so the resulting timber growth in the last 25 years has very little basis. In fact, as far as I know, not worth the hassle of figuring it out.
by knibloe
Thu Feb 18, 2021 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [When are capital gains taxes paid?]
Replies: 15
Views: 1756

Re: Taxes [When are capital gains taxes paid?]

I sold 30K worth of timber on 1/20/21. I suspect that I will be in the 15% tax bracket (small chance I can get my AGI under 80 to hit the 0% bracket) so that is $4500. Should I pay that now?
by knibloe
Thu Feb 04, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone negotiate to reduce medical bill(s)?
Replies: 37
Views: 3336

Re: Does anyone negotiate to reduce medical bill(s)?

We once had a $600 bill. We knew it was coming as part of our deductable. The bill was current. The hospital called us and asked if we would pay $300 and they would settle the bill. We told them we would, but we got te bill out and called them back. Sure enough the deal was in the computer and we took it.
by knibloe
Sat Jan 16, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Basis on farm
Replies: 2
Views: 356

Basis on farm

I purchased a farm from my grandfather in 1996. He held the morgage and when he passed away in 2003, the balance of the morgage was forgiven in the will. I was forgiven roughly 1/2 of the purchase price of $45000. It was valued at $150,000 in 2004. Did I inherit the morgage balance of $22,500 or 1/2 of the farm?

I am about to sell timber off of the farm. Based on what I paid, the timber basis from 1996 is not worth calculating. However, if I inherited 1/2 interest in the existing timber when my grandfater passed away, the basis on that half might be worth calculating for tax purposes. Any thoughts?
by knibloe
Mon Jan 11, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Solar Land Lease
Replies: 13
Views: 1389

Re: Solar Land Lease

Ok some clarifaications: My family has owned the land since 1837 and I would like to pass it onto the next generations. We own 93 acres and would only lease 20. They are willing to lease more, but I don't want to look at them every day out the kitchen window. The neighbors are leasing, so panels will be across the road and 400 feet from my kitchen window, but I can plan a screen and not feel boxed in. No $$ are not the only thing I want. If it was, the other 70 acres would have been bull dozed already. The length of the contract is daunting. There is no way that the 2% increase will even begin to keep up with inflation in the end it will be producing far less purchasing power than it will on day 1 (of course my Social Security and pension w...
by knibloe
Sat Jan 09, 2021 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Solar Land Lease
Replies: 13
Views: 1389

Re: Solar Land Lease

Thank you all for the input. The land is already clean, has roda access and a road to it, so work on their end is minimal. I did not think about what the solar farm would do to taxes on the rest of my property. I will need to talk to the town about that. The company will not allow the leases to be filed with the real property office. I assume that is because they are offering different deals to other people and do not want it public. I know that they need a long lease, but 48 years is designed to be two generations of panels. I would feel more comfortable if it was one generation with a renewal option. The one neighbor expressed the same thoughts. I am thinking of reaching out to the two closest ones and seing if we can negociate together. ...
by knibloe
Fri Jan 08, 2021 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Solar Land Lease
Replies: 13
Views: 1389

Solar Land Lease

I saw a similar thread, but it looks like it ran it's course, I did post there, but would appreciate more insight. My town in western New York has approved a 1200 acre solar farm. Now that the utility infrastructure has been upgraded, they are looking to capture more acres. I have been offered $1000 per acre with a 2% increase annually on a 48 year contract. Originally, I was dead set against it. I have 93 acres. I could easily rent 20 acres. Currently, I am getting $50 per acre rent for farming. Taxes are about $20 per acre. As I read about the power generation capacity of 1 acre of ground, I looks like $20-40,000 per year. I do not like the proposed lease for several reasons. First it is 48 years and the 2% increase will not keep up with ...
by knibloe
Thu Jan 07, 2021 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should I buy?
Replies: 24
Views: 2266

Re: How much life insurance should I buy?

[/quote]



Besides at the cost of term insurance, getting a policy on her is a small price to pay for looking as if you valued her contribution to the cause.
[/quote]

+1
by knibloe
Fri Jan 01, 2021 1:56 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 5249
Views: 899879

Re: What are you up YTD? [Year To Date]

csmath wrote: Thu Dec 03, 2020 8:16 pm
knibloe wrote: Thu Dec 03, 2020 7:48 pm I didnt start tracking until 1/25. Between 1/25 and 11/26 I am up 19% after I take out my contributions over that period. I am about 95% stocks.
Are you removing the contributions and the return from them? Or removing only the contributions but counting their returns?
Bluce wrote: Thu Dec 03, 2020 7:15 pm 30/70, up about 8%, no Beardstown math.
Yeah, I always wonder in this thread where the numbers come from. Clearly not everyone uses https://www.bogleheads.org/wiki/Calcula ... al_returns.

My HSA is up ထ% this year. It started at $0 on January 1st and is much higher now. 😏

Overall 9.2% YTD (as of 11/30) according to BogleheadsReturns.xlsx
I only too out the contributions.
by knibloe
Thu Dec 03, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 5249
Views: 899879

Re: What are you up YTD? [Year To Date]

I didnt start tracking until 1/25. Between 1/25 and 11/26 I am up 19% after I take out my contributions over that period. I am about 95% stocks.
by knibloe
Fri Oct 30, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Toyota Rav4 or Subaru Forrester
Replies: 48
Views: 4953

Re: Honda CRV, Toyota Rav4 or Subaru Forrester

You need to be comfortable with the dealership as well. We have a Rav4. We hate the dealership. It was our first and will be our only Toyota.
by knibloe
Sat Oct 24, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Silver dollars
Replies: 14
Views: 1925

Re: Silver dollars