Bogleheads.org

PacNorWest

.....

PacNorWest

.....

PacNorWest

Poison doesn't not kill instantly. Often, the poisoned mouse will wander or stagger out into view only to be snatched up by a natural predator - such as an owl, hawk or cat - which will also be poisoned. Please don't use poison. Stick with the traps. Use gloves to pick up the dead trapped mouse, bag...

PacNorWest

Just finished "Flatland" by Edwin Abbott Abbott (1884) Considered a social satire it involves fictional characters that exist in two dimensions. The principal character is visited by a character from the third dimension. Flatland is moderately interesting. My take away is that the story is...

PacNorWest

. . .a retiree's nest egg should last a lifetime as long as they withdrawal 4 percent a year.

Gee. . .don't they even bother to read their content for grammatical error?
Sloppy work = sloppy thinking.

PacNorWest

We bought a "Blomberg" dishwasher for our home - it's amazingly quiet.
Like you, we use the basic feature to wash.
Currently, we're in a rental condo that has a Bosch dishwasher which looks amazingly like our Blomberg and runs even quieter!
I think the Blomberg is a knock-off of the Bosch.

PacNorWest

.....

PacNorWest

I prefer to pay off credit card charges two or three times a month. That reduces the amount of revolving credit charge total - which in turn boosts my credit rating. Revolving CC amounts accounts for 30 percent of how your credit rating is figured. So yes, it will help your credit score if you pay o...

PacNorWest

Well, I think the OP question was more simplistic. And the answer is "NO". You cannot spend a bunch of money and then deduct that wad as a rental expense. You cannot expense it out on your first tax report. And then convert the "rental" to a second home - fixed up and furnished a...

PacNorWest

.....

PacNorWest

This is going to be the most pretentious thing I think I have ever said (at least on this site): If you are camping in more than a tent, you are not camping. That is like calling it "boating" when you go on a cruise. I totally agree. But whatever it is that we're doing, I simply love it a...

PacNorWest

In a similar vein, we had a trust account with Vanguard through which passed our inheritance funds.
We zero'd out the balance and, like your situation, the fund sat empty. About five years passed before Vanguard quietly removed the account from my account list.

PacNorWest

I sense that you don't have time to read up on the topic very much. But if you do, then http://www.dpreview.com/ would be the place to get the information that you need. I think this might help you short cut to what you need. . .use the Amazon.com link at the top of this page. Search: Sony NEX-6L/B ...

PacNorWest

Fear, especially irrational fear, is an emotion.
An emotional driven fear can be contagious with resultant panic stampede.
No, I don't like it. It's not good for anyone, anytime.

PacNorWest

You tend to buy big fun things - that have one common thread.
They require your time.

You need an expensive fun thing that you can do in your backyard anytime that you're ready.
Try this:
http://www.youtube.com/watch?v=zvyJpuuwcas (Electric hover thing) Not cheap.

PacNorWest

What should you do now? My advice: Since you just retired I'm assuming your investment horizon is long. So just go ahead and pull the trigger, get 100% invested per your plan, do this on Monday, then stay the course. The market will go up and down. Don't try to time it. If this prospect makes you t...

PacNorWest

Current conditions seem to indicate that it might be a good time to "bet" on VPMM And the fund is down. . .you may have to hold it for a few months or years. I agree with you but I would wait awhile longer before placing that bet. If/when I read that Caterpillar is getting more orders then...

PacNorWest

Here's a suggestion: Open a SECOND account at your regular bank for the rent deposit. Having the tenant deposit is fine, and probably fine even to deposit into your primary account. But if you open a second account, you can set up online banking where you can click the money into your main account ...

PacNorWest

Zillow misses a lot of stuff - it didn't see "page 2" of my county assessors website - which in my case displays a second structure on the property with power, water & septic. That makes a BIG difference in price. Zillow also failed to see other known nearby property for sale. Best met...

PacNorWest

In any case, if you have $93k in capitalized improvements and that amount is all depreciated straight-line over 27.5 years that's only $3382 in annual depreciation, so your increased rental income may well exceed your increased deductions. You should make sure you considered the possibilities for s...

PacNorWest

No. Tenants will trash your home. Even the best tenants will live like it's their place, not yours - and "living" expectations can vary widely. If you have a nice home and want to keep it that way AND rent it out, it will require that you visit it almost monthly to make inspections. A home...

PacNorWest

We need a little more monthly cash income. The money would be used to eat out once a week instead of ALWAYS eating at home. With 100K in Vanguard, what would be the best Vanguard funds to invest it in to produce a modest monthly income stream? Caveat #1; We'd like to know that the fund(s) could enj...

PacNorWest

We need a little more monthly cash income. The money would be used to eat out once a week instead of ALWAYS eating at home. With 100K in Vanguard, what would be the best Vanguard funds to invest it in to produce a modest monthly income stream? Caveat #1; We'd like to know that the fund(s) could enj...

PacNorWest

.....

PacNorWest

.....

PacNorWest

Firstly, thank you for the comments on the high earner pharmacist question. Second, I'm sorry for wandering off topic with that question. Staying the course for me. The time period just before the election was the high water mark for me and I was selling very small amounts going into the election. (...

PacNorWest

I spoke with the pharmacist this morning while picking up a script for liptor. The Liptor copay card for $4.00 isn't valid with Medicare. . .the cost was $15.00 (30 day supply) - so I asked about that and why. That led to another conversation about how he was going to cut back his hours when the new...

PacNorWest

Electric blankets are best when used on a timer to pre-heat the bed before getting in.
Turn them off while sleeping and rely on the down for continued comfort.
Life is good.

PacNorWest

The high return percentage may well be simple interest - not compound interest.
Make sure that is clear.

PacNorWest

Does anyone have a good source for replacement rechargeable batteries for hand held drill guns? It seems like the replacement batteries that I've found cost almost as much as a new drill gun. What kind of drill do you have? I (and more than one of my contractor buddies) have had great experiences w...

PacNorWest

Does anyone have a good source for replacement rechargeable batteries for hand held drill guns?
It seems like the replacement batteries that I've found cost almost as much as a new drill gun.

PacNorWest

No specific knowledge here of a high water mark, but do have historical indications where "a flood line" might be - that is, when the water spills over the wall [street]. :) http://davesbrain.blogs.com/.a/6a00d8345b167953ef0147e28346be970b-800wi Very nice, thank you. It helped me find thi...

PacNorWest

If stocks hit a high water mark, why would you not take 5-percent off the table?
You know the tide will go out again, don't you?

Is patience an emotion?

PacNorWest

Several years ago, my wife had her purse grabbed in just a few seconds in a restaurant in Italy. She had it on the back of her chair. She got a shrug from the waiter. My wife thought he was more concerned about how she would pay the bill. In Chile we've seen chairs in some restaurants with anti-the...

PacNorWest

I like your thinking. The decision you question has to be based on if you can contribute to a qualified Roth or Traditional IRA or not. I would stuff the Roth with every cent that I could first before paying down the mortgage. Second would be to max out the Traditional IRA When the qualified retirem...

PacNorWest

We got a tax reduction (after mortgage deduction) of about $500. But that cost us $6000. in mortgage payments. To summarize, we were spending $6000. in order to recognize a $500. savings. Next to a T-bill, our house was the safest place to put the money. We paid of the mortgage. :sharebeer I don't ...

PacNorWest

We got a tax reduction (after mortgage deduction) of about $500.
But that cost us $6000. in mortgage payments.
To summarize, we were spending $6000. in order to recognize a $500. savings.

Next to a T-bill, our house was the safest place to put the money.
We paid of the mortgage.

PacNorWest

I have used a Stihl BR 550 for the last three years without a single problem. Not the cheapest unit, but it is a quality product. http://www.stihlusa.com/products/blowers-and-shredder-vacs/professional-blowers/br550/ We're surrounded by trees - several 100-foot big leaf maples and many red alder. M...

PacNorWest

When balancing your portfolio how should rental property be considered? Should the equity and income be considered separately? Our financial adviser treats the income as part of our cash flow - as if it were social security. When he "bucketizes" the liquid assets, he does not include the ...

PacNorWest

Reading this book might be helpful. "A Guide to the Good Life: The Ancient Art of Stoic Joy " http://www.amazon.com/Guide-Good-Life-Ancient-Stoic/dp/0195374614/ref=sr_1_1?s=books&ie=UTF8&qid=1319467457&sr=1-1 I haven't read a book in years :oops: . I blame you for suggesting t...

PacNorWest

[Political comments removed by admin LadyGeek] I have to ask myself, "Am I getting caught up in the rising market fever because it fits a perceived "long term" game plan?" Accordingly, I've been "averaging out" just small amounts (5% on Friday) in order to lock in some...

PacNorWest

We have several electric space heaters. The oil filled type are the best of which I have two in the shop and one in the camper. They are quiet and will maintain an even overall room temperature. They typically look like an old style steam radiator (see image below) and can often be found for as litt...

PacNorWest

There's only two high powered blenders: The Vitamix and the Blendtec Both are expensive and have enough power to blend almonds and milk if you desire. Vitamix has a patent on a tool that fits through the top cover - the tool is basically a push stick used if needed to push stuff down into the blades...

PacNorWest

Now is probably the best time to buy in recent years. Material prices have not dropped - it costs more to build a new home now than it did ten years ago. Still - jobs are what matter and jobs are how people make money to buy homes. So, considering that this is an election year, "things" sh...

PacNorWest

My subscription ended a while back and after it lapsed for a short while they sent me an offer to renew for one year for $99. Not sure if that was a one time thing, but it was a pretty good deal at the time. The other thing is if you're looking to get it for yourself and your daughter wants it but ...

PacNorWest

Traditionally, the Lincoln depreciates rapidly after just 2 or 3 years but is still a good car. . .luxury, power and quiet. Buick has outrated BMW in some ratings - my aunt has one and I've driven it - it's quite impressive, quiet, smooth running and easy to find yourself speeding, not for the thril...

PacNorWest

I inherited a computer like that. Formatting the hard drive did not help. Upgrading the OS did the trick. The particularly nasty virus makes ten copies of itself and sets up a handshake with each copy. If either any copy, or the original virus is destroyed and the remaining viruses do not find the h...

PacNorWest

Off topic now, but. . . Amazon gets special shipping rates - so low that an individual seller can ship through Amazon cheaper than working solo. Amazon does it two ways. If you sell a product that is "boxable" such as wristwatches, sunglasses, etc. and the profit margin and quantity fit Am...

PacNorWest

Does Bogleheads.org get a referral fee if I access Amazon.com through this website???

PacNorWest

We've joined Amazon Prime and I can't say how satisfied we've been with it. The free two day shipping has more than paid for it. Plus, we've used the Amazon Prime to stream a lot of free videos and an occasional paid movie. Speaking of which - does using the Amazon.com link on this forum for purchas...

Search found 87 matches