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Submitted electronically with HR Block March 8. Refund March 13.

I used to be a comcast customer. I would regularly get calls from different people offering new “deals” or “specials.” I feel like comcast hires third parties to do this though I have no evidence. After years of the Comcast/xfinity roller coaster of constant price changes and having to call to threaten to cancel only to be offered another “Promo” I finally cut ties and moved to a new provider and couldn’t be happier.

I have probably three years in Federal Money Market. Optimal? No. But I sleep very well.

In before the lock. Its not doing to happen. These shenanigans go on every year. Turn off the news and ignore the noise.

This is very unfortunate and a problem I deal with frequently, being a traveler and spending much of my life in hotels. Your only option is to talk to landlord/neighbor, and if unable to resolve then move.

In before the lock. No. Have Bogle veins of steel and hold tight.

I just had the battery replaced in my Iphone 8. Ive had it probably 5 or 6 years and see no reason to replace a perfectly good phone. I made a same day appt at the apple store. Called to make sure the battery was in stock like someone mentioned above. $53 out the door. Im very happy. Cheaper than the after market knock offs and I feel like I have a brand new phone again.

I say go ahead but ask your wife first.

Others will have to chime in but I believe that the contribution can now be removed as an excess contribution and there would be no commingling of tax deferred vs tax free funds going forward. The removed funds could then be invested in a highly tax efficient such as Vanguard Total US. Cheers This would be ideal if I can just remove the contribution. Upon review I am certain that this can be withdrawn as an excess contribution at this point. The recharacterization from Roth to Traditional made it as if the contribution was made directly to the tIRA. This sort of thing is fairly common on these Roth oops threads. Cheers Thank you! I will investigate this option as it may be the simplest solution going forward. Will the excess contribution b...

sycamore wrote: ↑Tue Nov 22, 2022 7:34 am Side note: Why do you not want to keep track of the nondeductible contributions? I started tracking mine back in the 1990s -- before there was such a thing as Roth. In my tax files I have a checklist of items to review each year, and nondeductible contributions is just one of them. Doesn't take much effort fwiw.

It just seems like a lot of extra to keep track of. The single contribution is the only nondeductible out of the tIRA so it is a relatively small amount for that much more to keep track of for so long.

Silk McCue wrote: ↑Tue Nov 22, 2022 7:32 am Others will have to chime in but I believe that the contribution can now be removed as an excess contribution and there would be no commingling of tax deferred vs tax free funds going forward. The removed funds could then be invested in a highly tax efficient such as Vanguard Total US.

Cheers

This would be ideal if I can just remove the contribution.

Yes, the earnings are negative by quite a bit at this point. The amount transferred to the tIRA due to the loss was $4700.

I guess another option would be just to forget about it at this point and chock it up to a learning tax. The thought of paying tax again on money that I have already been taxed on does not make me happy though.

I have both Roth and Traditional IRA at Vanguard. At the beginning of 2022 I put $6000 into the Roth.

Fast Forward and my income exploded putting me over the limit for the Roth. So I recharacterized the $6000 to the traditional. After that, I now realize that my traditional now has a mixture of deductible and non-deductible which I do not want to keep track of for the next 30 years.

So my question is, what is the best way to correct this?

Can I reverse the recharacterization back to the Roth? Then remove the excess contribution of the Roth and just put it into my taxable account?

Until recently I was still able to use the old app because I didn’t update. Just a couple of days ago it ceases to work so I downloaded the new app. Its taking some time to find things on it and get used to it but so far seems to do what I need.

S&P up 5.54% today. What is the record for one day up?

You do not need OEM lubricants. The Stihl dealer was beside himself when I did not want to buy the stihl oil the same day I bought my chain saw. I would love to know how many different “brands” of oil there really are.

The darker the roast the more oily the bean will be. So pick your poison. I prefer a dark roast but the oil does tend to make things messy.

Are you struggling with spending in general or spending MORE? Ive found that I struggle with spending more since my income has increased. My income has increased dramatically, more than I ever imagined, in the last couple of years but I have found that the amount of discomfort I experience when letting go of a 20 dollar bill has remained the same. So I basically save everything I make.

New Balance 990v5. Pricey but worth it. They just feel better when I put them on compared to other shoes I’ve had.

I run a humidifier set at 50% and it pumps out. Works great. I can even check the humidity on my phone app. Last one I had lasted five years before the pump gave up. Cost $300 bucks or less to get a new one. Suites me pretty well. I like the pump. I wouldn’t want to ha e to crawl down there and empty the bucket.

If I had an extra million I would buy vtsax.

Following…

-13 Percent.

The airline is not going to reimburse you a hotel expense for a few hours delay.

I think this thread is a distraction and should be closed!!!

I give my shirts a good overnight soak in oxyclean when the stains start showing up. Ive had pretty good luck with that.

jebmke wrote: ↑Mon Jul 04, 2022 9:42 am

willthrill81 wrote: ↑Mon Jul 04, 2022 9:39 am Then the next step is to get another plug of a different type. Some plugs just don't work with some sockets.

OP, I have a Scosche charger that I have used in my 2008 RAV4 for a few years now. They have newer models and this brand is one recommended by Wirecutter.

Seconded. The Scosche chargers are high quality and work well. I have been using the same one in my car for many years.

I do not know where the bottom will be but I do know that I will be fully invested when its gets here.

Just yesterday I noticed about seven or eight large crows in front of my driveway. They all had their mouths open giving something their attention. A small gray bird was jumping around and flapping its wings at them. This went on a minute or so then they flew off caa-ing with the small gray bird chasing them. They are good entertainment.

I just recently discovered this gem. Katie Melua. She has the voice of an angel and I can’t get enough.

“I will be there” full concert version.
https://m.youtube.com/watch?v=7IRIP-hSfJ0

“Bridge Over Troubled Water”
https://m.youtube.com/watch?v=FygQ7I7tetU

cubs1999 wrote: ↑Thu Jun 16, 2022 10:30 am There's a pair of robins being raised in a nest on my balcony. I never appreciated how many worms and insects these birds catch until I started watching this nest.

Birds are so fun to watch. I spent a couple weeks watching baby blue birds being fed. Its interesting what all they bring. They seem to favor little green caterpillars. But I saw lots of spiders. The most interesting was a huge dragon fly. I saw these big wings and had to take a double take. They couldn’t eat it the first time so papa blue grabbed it and flew away. Then he brought it back for another try. I don’t know how in the world that baby got that thing down it was huge.

Ken Fisher was just on FOX and said he doesn’t think we will see capitulation because there is nowhere to go.

Try to just look at the number of shares vs the dollar amount. Thats what I started doing. I continue to accumulate and I know that Im getting them cheaper now and they will be worth more when I sell them. And you didn’t really lose anything. You didn’t sell right?

Why do you need to be at the closing to sign the documents? I've closed on several properties: 1.) the documents were FedEx'd to me - I had to sign them in front of a Notary of the Public (I did this at my local Bank - after making an appt to do so) 2.) I arranged to meet with a representative of the local Title Company - I could have had them come to my office (or home) but I opted to go their office (it was near by). They printed out all the documents and I signed them and the Title Company Representative "notarized" them. What is the cost of having your lawyer be the POA verses the cost of you receiving the documents and signing them and returning them? What is most convenient for you? If you have difficulties writing - then I...

No it is not normal. If you are handy at all it is easily fixed for just a few bucks and a trip to Lowes or your local hardware store. Also, depending on the brand, if you can find the model number the manufacturer will send you a repair kit for free!

Nasdaq will be below 12,000 by the end of May it's like a slow motion car crash. People forget that many of these tech companies trade with each other, the speculative garbage has been taken out back and shot, the next shoes to drop are the bigger blue chip names. If growth has peaked and inflation will be 5% for a decade not 2%, it makes no sense to pay outrageous multiples. Another nail in the coffin of the Nasdaq is Rolex prices, Rolex has just begun to roll over. People are feeling less flush with cash, the wealth effect is vanishing and going into reverse, Rolex and related assets like digital coins are the leading edge of speculation. It is going to be close folks, currently the NASDAQ is sitting at 12,071 and change. Was Forester on...

No no no no no no no. No.

Beensabu wrote: ↑Sun May 29, 2022 5:16 pm There's a hummingbird that made a nest in a sycamore branch hanging outside my kitchen window. The nest is just big enough to fit the bottom half of its body. It's super cute.

Super Jealous. My Hummers showed up a week or so late this year looking for their juice. No nests though.

TnGuy wrote: ↑Mon May 23, 2022 1:15 pm


Bluebirds are at it again. This time (second brood of the season) Mrs. Bluebird has laid 6 eggs (had 4 the first go-round). The more, the merrier!


David

Wow! Thats going to be a crowded nest. My Ms Blue only laid three eggs but Ive been watching them grow! About 14 days in so they will be flying any day now!

Maybe find a local fight club? Just don’t talk about it.

egri wrote: ↑Thu May 19, 2022 1:41 pm

incognito_man wrote: ↑Thu May 19, 2022 1:10 pm Am I a bad person because I'm rooting for the red every day? I'm in the accumulation phase of my life. I want the S&P to keep going down to the point where I start to liquidate assets to buy even more than my standard bi-weekly contributions.

Same here. In between my TSP contributions and automated taxable brokerage deposits, I have money going in roughly every two weeks. I just try not to think about having maxed my IRA in January.

I did the same thing. Its painful now but wont matter in 10-20 years.

Looks like the bulls folded chairs and left. Headed over the the other thread.

NewbieBogle007 wrote: ↑Wed May 11, 2022 2:15 pm The whole BS fake post-pandemic rally has been wiped out...
https://ibb.co/HY3khkg

And yet if you didn't panic sell and continued to dca through the dip you are still way ahead. Nothing to see here.

None. My plan stays the same. Buy as much as I can when I get the money. 20 years from now I will wish I could have bought more.

H-Town wrote: ↑Mon May 09, 2022 4:18 pm

Jim180 wrote: ↑Mon May 09, 2022 4:16 pm Looks like the market is ruling out a "soft landing" by the Fed and is pricing in a recession. The good news is that the market will price in a recovery before there is one.

Yup. From my experience, most of people who have cash on the sideline will likely miss this recovery. It will be gone when they have a chance to react.

Right. They will be wringing their hands waiting for the bottom, fretting, thinking about dead cat bounces, etc… Meanwhile.

Just hire someone once a year to clean them. Its very cheap and just not worth the risk of falling.

Everything is on sale. Buy buy buy.

AlphaLess wrote: ↑Mon May 02, 2022 12:41 pm Dear bogleheads:

I welcome you to a world in which SP500 index has a 3 in front, and VTI has a 1 in front.

Let the good times begin.

Not today…

Lots of doom and gloom here. Im buying all that I can. Assets that I plan to hold for the next 30 years. I just view this as a sale. Right now Im getting the price I got this time last year. Price may go up or down or sideways but my number of shares increases. And long term will be a slow left to right increase.

abc132 wrote: ↑Fri Apr 29, 2022 2:14 pm I am always surprised at the level of people sitting on dry power when lows are retested.

I would need another -4% to -5% before converting into more stocks.

That would also be a trigger to auto-invest stocks instead of real estate, which is something I have already been considering for May.

Well you almost got your 4% today…