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G12

I have used Zelle for about a year. If the recipient banks at a different bank they need to sign up for the service with their bank or delays will occur. I have had no issues with it and I don't like mailing checks.

G12

Do I have to recapture the depreciation on the original property if I sell the replacement property? Depreciation recapture is one reason I got out of SFH rental property. I did not roll mine, yet I would have to believe you would have to recapture the former property depreciation as well as the ad...

G12

I haven't used it on a roof, but it has worked very well on stepping stones and deck areas that are exposed to the elements. I have used it for roughly 5 years and have found it is much better to apply when the area is out of direct sunlight and not super hot, guess it works best when it drys on slo...

G12

I have 2 units, downstairs I have a 24*20*1 at the furnace and a 20*20*1 at a return, change those about every 90 days. Upstairs has a thick heavy duty Aprilaire at the furnace and also a 20*20*1 at the primary return, change the Aprilaire about every 9 months and the 20* every 60-90 days.

G12

I invested in the admiral version about 90 days after the fund opened and have it in a Roth, an IRA, and my wife's IRA, probably about 20% of our equity exposure. Somethings I invest in to help stay the course behaviorally, this would be one. Beyond the min vol another thing I like about the fund is...

G12

The notification came from Nerdwalket, but I checked it with my Discover. I don't obsess over it, however I am looking for a house. Whenever I have needed to check it, it has been over 800. There has been a lot of activity and new accounts since my mom passes 20 months ago. It just doesn't make sen...

G12

I took out a .9% loan for 60 months in December, it's easy to beat that with cash investments much less 60 months in investments with higher expected returns.

G12

Love this board but can't help to feel disconnected this morning when the first 3 posts are something like: 1) I will be making $350K, should I save for my kid's 529? 2) Should I buy a $1.2 million condo? My inlaws just gave me $235K. 3) I got a $600K windfall...should I pay off mortgage? Feeling a...

G12

I currently have a 2-year-old Motorola w/a 5.7” screen. I looked at the Pixel 2/2XL in person as well as the old pixels. I’m a bit torn. IMO, all of them are overpriced, but that aside, I ideally don’t want to use a smaller screen, especially since I use my phone as my GPS. I cannot use my current ...

G12

2014 Ford Flex SEL, dog hauler, has roughly 48k miles of which ~ 44k are long distance miles. Infotainment can be a little clunky at time. It rides very well, handling can get a little twitchy at high speeds, replaced the tires about 2k ago and the new ones handle much better with stiffer sidewalls ...

G12

You should research depreciation recapture if this would be a one-off rental you would sell in 5-10 years and its tax effect in the year of sale, it is very favorable to the IRS and any state taxing entity. If you have lived in the condo longer than 2 years I would sell as you receive favorable tax ...

G12

I added some small cap foreign value today as I am swimming in cash. Maybe I'm am idiot.....but it is a toe hold to be added to later.

ETA: I was much more distressed Monday with Irma bearing down on our home in ATL.

G12

How big is the house? Many who come on here that are reaching to get into houses bring up getting roommates to help offset the increased cost of a mortgage compared to current rent. If you did that for 2 years it could bridge you to having the 401k loan paid off and lessen the impact of the mortgage...

G12

If only Berkshire's investment holdings didn't throw off massive cash dividends causing this over abundance of unwanted liquidity

G12

I don't have a cat, but a few months ago had to have this same tooth removed from my 60 lb 10 year old dog due to a slab fracture and the tooth was a very dark brown/black color, the linked site is not our vet, it just has the same tooth identified. I would believe cats could be more expensive to tr...

G12

I sold my entire allocation in PCRIX in June, 2008 for multiple reasons and realized a significant gain, it was over 8% of my portfolio, and had sold all my REITs and had gotten down to 48% equity and yet the pain over the next 8 months was real. Bought individual TIPS for the first time in November...

G12

If one spouse is retired and one still works is that retired :mrgreen: ?? I retired 6 years ago a few weeks before turning 48, my wife continues to work 4 days/week and is considered full time with 28 months remaining to be fully vested in her pension plan. If it was a substantial difference maker l...

G12

My wife purchased a new Honda Odyssey EX-L (with Nav and Rear Ent) this week. It was a "no-brainer" because she had a 2008 Odyssey with 155,000 miles and loved it. It was time for a new vehicle and the latest safety features appealed to both of us. Does anyone have advice on how to handle this situ...

G12

The Wizard wrote:What am I doing wrong?

I dunno, man, I mean you are The Wizard....

I really don't know, don't use the service.

G12

I must find and read the stone tablet that dictates a Boglehead must always do the most economical thing, period, no matter what level of wealth, disposable income, etc. Then again, I'm not a diehard and value flexibility.

G12

We have an electric fence and a well trained and friendly pit bull mix. She's a rescue, so we don't know for sure, but she's tall enough that some Great Dane (or similar) might be in the mix. She weighs around 100#. She runs in the yard, but the electric fence keeps her at least 50' from the road w...

G12

Again, I'd like to keep the focus on her portfolio, but here are a few responses to recent queries: I'd rate her risk tolerance (emotionally) to be very low. It's also a little irrelevant, since she's never experienced anything much other than constant new highs. However, I've been coaching her on ...

G12

I would have to understand how the person aggregated $1.6M with perhaps extremely limited investment knowledge and a debt free home in the first place, and then find where it is chiseled in stone that future college costs must be borne by this person. The probable fallback is a suitable TRD date fun...

G12

Change my oil when the DIC computer gets down to about 12%, suggested by the dealer. It's around 5000 miles. M1 for $27 from Costco and oil filter about $5. I get M1 at Costco on sale, filter is ~ 5.20 at AMZ, take it to the dealer, they charge me roughly $12. I don't go down to 12% though, tend to...

G12

Thank you and I learned that mistake on I-70 at St Louis when I was driving here from Colorado in January; I won't repeat that mistake going back. It was the worst! This was recent, late April, it is probably worse with vacation travel having picked up. I spoke with a long time local for about 20 m...

G12

Prayers sent! :wink: I drove a heavily loaded SUV + 2 dogs from ATL to Billings, MT, to Casper, WY to Ft Collins, to Boulder, to Colorado Springs and back to ATL, 4,300 miles not pulling a trailer. My main point is to say if Google maps tries to route you through St Louis on I-70 don't do it. That s...

G12

I'm considering 3 models: 1. HP MFP 130 fw 2. Brother MFC L2720 dw 3. Cannon MF 247dw Does anyone have any first hand experience with any of these printers? Other recommendations welcome. Thanks Wayne I have a Brother MFC L2740 DW. Found the lowest price on Costco Online about 2 years ago. It does ...

G12

Looking at new cars and more are being equipped with small 4-cyl turbocharged engines; all in the effort by automakers to improve fuel mileage without sacrificing engine performance. For example, the new 2017 Honda CRV has a new 1.5L turbo-4 engine in all but the base model. It appears the new engi...

G12

I disagree with the repair cost vs. value of the car requirement. Getting your car repaired is a big hassle. I don't want to deal with that. Others may, or may want to fix it themselves. That is fine. But not everyone shares that opinion. The OP is considering replacing a 12 year old model with a p...

G12

I had an issue with my wife and my inherited IRA's failing to automatically distribute RMD's in January per the automated Vanguard service. I called mid-week around 6 PM about a week later to inquire into the matter. My Flagship rep was gone for the day and I spoke with another rep and he didn't hav...

G12

We are about to get a new puppy in the coming weeks for our family. i am new to this whole dog ownership thing and am wondering if there are bogleheads who recommend getting pet insurance and if so, what is the best approach? is there a boglehead's guide to pet insurance reference out there? i don'...

G12

Very similar thing happened to a friend at Target. He alerted the manager. They reviewed the video, confirmed damage was done by a cart and the store paid for the entire cost of the repair. Large chains usually have insurance for this very sort of thing. Same thing happened at a shared lot of a Tar...

G12

We have had some big expenses over the years, couple of one off ~ $7,500 medical expenses. One was osteosarcoma/chemo, the other the aftermath of a brutal dog-on-dog attack, everything else has been fairly routine and moderate costs. What costs me some serious money is happening upon an activity my ...

G12

I am in Atlanta now. A couple of random things. 1) The traffic is really bad and getting worse every year. Don't underestimate this as a factor. The commute is an obvious problem but even trying to plan to go somewhere like a sports event, concert, shopping, etc on a week day evening since you coul...

G12

I checked into refinancing my car with autopay just so I could see all my options. Two options: 1750 down either way with a 6.25 % interest rate. Current rate is 13.24% 72 months: 308.65 a month 66 months: 348.90 a month First payment due December 10. Likely better option is just finding a differen...

G12

I like sarcasm, maybe because I am sarcastic, maybe because it makes his posts' more pointed. People who wonder where livesoft is yet pose concern as to Livesoft's whereabouts are confused though.

G12

I have had one of these Goodyear models, it is significantly more powerful than some of the smaller units. I have larger SUV tires and travel a lot and it fills tires pretty quickly and has been very durable.

Goodyear i7000 12-Volt Direct Drive Heavy-Duty Tire Inflator

G12

Yes, the excluded upfront sales charges, or omitting the declining deferred charges of other class shares, etc. If in a 401k or similar with low cost versions with waived front end loads AF might be worth trying if other available funds are worse. Try VEIRX instead of VOO as the comparison fund and ...

G12

If a KCS is what you want for a family dog then go with it. I do not believe any dog breed is hypoallergenic. Wheaten terriers, Doodles, whatevs and the Australian guy who originally started breeding doodles admitted they are not hypoallergenic as only 1 dog from the first litter was believed to hel...

G12

You are talking about a 401k and this should not an issue unless there is over $1,000 in UBTI income, then tax is owed and the 401k sponsor needs to file a tax return and the 401k needs to pay the tax out of your plan balance. The investment is a fund and avoids potential UBTI taxation. I'm actuall...

G12

I'm really more of a Core-4 wannabe. However, megacorp is once again tinkering with the 401k options. In the past, we got slaughtered with the MLP that was part of the package. It was something like 20% of the portfolio, and dropped like a rock. Now, they have changed tickers to MLPPX , and decided...

G12

your savings of ~$900K are lower than BH standards. I just love statements like these. :? I chuckled myself. Meh, merely $900K and nearly zero debt with just a high school education, shame on me ;) What are these specific elusive Boglehead standards? :-? I would say living by retired nuns would be ...

G12

But coaching at a major school is a good guaranteed gig. I believe UCONN assistants are in the 150 -200K range. But of course you have to win. Ha! I'm laughing about assistant coaches salaries once one is out of the top 10 women's programs. Those coaches probably make less than $50K a year and coul...

G12

In GA the annual ad valorem tax formerly owed at annual tag renewal was converted to a one time up-front tax at the time of purchase in 2013. Think it started at 6% and will max out at 7% and applies whether purchased from dealer or an individual, new or used vehicle. I'm not a fan of the new system...

G12

I don't see how it makes sense for a college student going to school out of state to have her own insurance in that state. I'm pretty certain that nearly all parents do it the same way I am: Insure the car here at home under the parent's policy. Am I missing something? I think you are right about t...

G12

My wife has a 2012 2.0 Turbo Beetle with DSG transmission. She has put over 70k miles on it. We had some issues with the sunroof as it was the first year post "New Beetle" model changeover, that was all fixed under warranty. Mechanically, the only real thing that comes to mind was a module for the f...

G12

I'm feeling kind of lazy today. Looking at your current AA why not invest in something with a similar AA in a target date or LS fund and not have to sell/rebalance anything in your existing portfolio, etc. I would probably put it in admiral Wellesley VWIAX and carry on although I understand the inde...

G12

Thus, I suddenly came to the realization that I can easily live off dividends and interest if I structure my portfolio to maximize dividends instead of total return. My question is whether there are any Bogleheads retirees that do so? I have been retired for 6 years, retired at 47. My wife still wo...

G12

I agree with all of that, AND I understood it from my first investment. Thus the reason that despite the awesome returns, apparent minimal volatility in returns, and very low correlation with my equities, that I only invest 5% of my portfolio in it and recommend others also limit their investments ...

G12

This may help:

https://www.google.com/accounts/recover ... sUK0ae-wqA

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