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jimmy2040

my friend went through a step mom vs 3 step son situation.

the step mom managed to tell the rich dad to give her everything and change the will right before he died so the 3 sons got nothing.

jimmy2040

what about a trip to somewhere else with lots of cute ladies? but the key is to shut down the communications while giving your uncle entertainment he wants.

jimmy2040

My Dear Bogleheads: My bleeding lung and small cancer appear to have been totally cured. Your caring replies leave me humbled with gratitude. Today I received the bill for my 3-day visit in Miami Baptist Hospital: $68,266.00 . Fortunately, Medicare and my Federal Blue Cross health insurance policy ...

jimmy2040

Thank you!

jimmy2040

Hi All, I see a lot of examples of people converting after-tax 401k contributions via in-plan or in-service to a Roth IRA account. Won't this trigger the pro rata rule? 1. IRS guidance https://www.irs.gov/retirement-plans/rollovers-of-after-tax-contributions-in-retirement-plans Notice 2014-54 doesn’...

jimmy2040

Thank you all!

jimmy2040

Can he covert the 20k Traditional IRA to Roth IRA in 2020 without triggering the pro rata rule if he coverts rolls the rollover IRA (50k) to an employer 401k before 12/31/2020? Yes, but the likelihood of getting it done by then is somewhat slim unless both accounts are at Fidelity and they do one o...

jimmy2040

Thank you

jimmy2040

Thank you all!

jimmy2040

My friend has a IRA question. Thank you in advance for your help :) My friend's situation: 2015 - contributed non deductible 5000 to a traditional IRA. No conversion. 2017 - contributed non deductible 5000 to a traditional IRA. No conversion 2018 - contributed non deductible 5000 to a traditional IR...

jimmy2040

deleted.

jimmy2040

I recommend "The Psychology of Money". After that, you can write down some goals for your investments. Don't spend time reading about investments or researching funds. Understand your psychology and goals first. Since you are only 30 something, you probably won't touch that money for 30 mo...

jimmy2040

Thank you, Taylor, for sharing your wisdom and your love for the current and future bogleheads. Get well soon!

jimmy2040

IM is another good option. Their rates are no fees.

15 year is 2.25 right now. 1.99 two weeks ago. https://www.interactivemortgage.com/

jimmy2040

Many of you may know this already. Lyle McDonald is the source for a lot of the stuff out there. He basically reads research papers and summarizes what he reads.

https://bodyrecomposition.com/

jimmy2040

Scooby is 60 and this is his workshop.

https://scoobysworkshop.com/

my friend is 62 and she just started building muscles a little and her biceps are huge.

jimmy2040

Isaac Newton, Lost $2.72 Million in the Stock Market, Still the Best Scientist. A little known fact about Isaac Newton is that he lost $2.72 million USD in today's money due to speculation in The South Sea Company stock in the 1720s. https://www.certifiedchinesetranslation.com/10/0103-Isaac-Newton-i...

jimmy2040

HCM returned 6.5% last year. http://www.hmc.harvard.edu/content/uploads/2019/10/FY19-HMC-Annual-Report.pdf https://www.hmc.harvard.edu/about/ The CEO was paid 9 million + and it looks like he hired a few friends. (Noticed some of the long term HMC people left in 2018). Yep, hopefully the new(ish) C...

jimmy2040

https://www.wbur.org/npr/494134464/-1-million-of-frugal-librarians-bequest-to-n-h-school-goes-to-football-scoreboar News that late librarian Robert Morin left the University of New Hampshire $4 million has been hailed as a symbol of Morin's dedication and generosity. But the school's decision to spe...

jimmy2040

HCM returned 6.5% last year.

http://www.hmc.harvard.edu/content/uplo ... Report.pdf

https://www.hmc.harvard.edu/about/

The CEO was paid 9 million + and it looks like he hired a few friends. (Noticed some of the long term HMC people left in 2018).

jimmy2040

Cuban has a good YouTube video:

Mark Cuban’s Guide to Getting Rich

jimmy2040

Do you or your spouse have past coworkers who passed away near or soon after 60? If I were you, I would wait until next year after the coronavirus dies down a little. In the mean time, slowly spend less time on work and see whether you can put in less effort and still make the same amount of money. ...

jimmy2040

I'm closing with LD in the next couple of days. Thanks to everyone for your thoughts, info, and advice. I would like to try to refi again if possible. Will the lenders permit me to refi to make my loan .125 lower? Or does it need to be . 25 lower or more? It is helpful to delete my current Better a...

jimmy2040

It's about 400 to trim the top and 700 to trim the whole tree for me.

You want to make sure the company has a big crew and their own wood chipper truck.

I thought these were slam dunk jobs I could do myself until they showed up with 2 trucks and more...

jimmy2040

Try to find work at an European company. It can be very different.

jimmy2040

Technivorm coffee makers
Freshly roasted coffee beans.

jimmy2040

biohazard is right.

Lease German cars. Never buy them.

My coworker went from a Lexus SUV to a BMW X5 and had nothing but issues.

He said he was spending thousands to fixes issues here and there.

Money pits.

jimmy2040

did you do internships when you were in college?

I know someone who got his EE degree from UCLA and couldn't find a job for almost 2 years in 2005. He ended up doing tech support.

jimmy2040

1. RetiredCSProf is right. You want your kid to finish a CS degree. A lot of programs are very challenging and end up scaring kids to change majors to something easy.

2. Location is very important for CS majors too.

https://www.entrepreneur.com/article/296110

jimmy2040

galawdawg is right. the new loan amount includes interests and things. Wells will write you a escrow disbursement check if there are left overs.

jimmy2040

I bought a 6 ft fence post for 12.73 and place it between two tree trunks to make a pull up station.

I can do pull ups or abs exercises using perfect fitness ab straps.

jimmy2040

some dads like exotic trips to Berlin.

jimmy2040

roscoes chicken and waffles

jimmy2040

Use this. Bankrate is a little high.

Owning is legit.

https://www.owning.com/

jimmy2040

I agree with most comments here. A friend and her hubby make 280k a year and struggles with a 600k mortgage.

jimmy2040

One of my friend's parent stopped paying her life insurance and died 4 months later unexpectedly from a flu at 66.

Given we have COVID 19, 20+ for years to come...

jimmy2040

You can ask your kids if they want to keep and pay for it and they can be the beneficiaries.

jimmy2040

My friend is going through a no fee refi and the rate lock expires in 2 weeks.

If they don't close before the rate close expires, would she be liable for any of the fees? e.g appraisal fees?

Thanks.

jimmy2040

Every maker, car year, and model can require different coolants. For example, a 2008 Toyota may require premixed but a 1999 Toyota may require self-mixed. If you are not sure, call your dealership. For Toyotas, you can always buy oil filters, coolants, transmission fluids, and etc. from their dealer...

jimmy2040

Try to look for a 10 to 15 year old Camry or Toyota. Have a mechanic check it out.

Don't buy certified used. I would buy new instead.

jimmy2040

You should keep it.

If I had 2 kids, I would probably up the life insurance to $1.5mil.

jimmy2040

subarus have boxer engine designs. See engine and electrical issues as they age.

https://www.carcomplaints.com/Subaru/

jimmy2040

Some 2019s have transmission issues. Could be CVTs or the 8 speed automatic crap.

https://www.carcomplaints.com/Toyota/RAV4/2019/

jimmy2040

I agree. they all work with Fannie Mae and etc.

jimmy2040

I did many things wrong but I did 3 things I don't regret. 1. Career change from one field to another. You can do this up to 35ish. 2. Started taking health seriously. I lost a lot of weight around 33 after picking up a sport hobby. 3. Travelled a lot for work. Went to Brazil 10x, Asia, Europe, etc....

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