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4ransom

When I come u[ with a brilliant idea I write it down, date it, then come back and rethink it in a month. If I still the think it's brilliant I implement it. Ninety percent of the time I decide to do nothing.

4ransom

Bonds-because all the experts say bonds are dead for the next few years, for the 40 years I have listened to the experts forecast the future and it seems to me they more often wrong than right.

4ransom

Check against a target fund that closely matches your AA.

4ransom

Forty years ago bought a few stocks, did not go to well, tried a bunch of mutual funds, little better. Next bought a non traded RIET, was a catastrophe. Finally found this forum back in the Morningstar days. Read a couple of lBogelhead books and got rid of all advisors, fairly smooth sailing ever si...

4ransom

Mid 70s, varies-keep enough in fixed to keep us solvent until 90ish. The rest is all invested in what we think will provide the best return for our kids.

4ransom

You never know. I am a farmer and go through several batteries every year. Just had tires installed and had them check the batteries before I headed to the mountains hunting. Said one was fine and 1 was just a little weak, diesel wit 2 batteries. Chickened out and had them changed, both were the ori...

4ransom

Landice-wore out 2 cheap ones then bought a Landice 10 years ago, 5 yrs ago small problem, they provided excellent phone help and fast shipment of free replacement parts. Highly recommend, excellent company, I think machine is going to outlast me.

4ransom

My sister lived in the US near the border and crossed to Canada to have her kids, she liked the Dr. and the hospital and it was cheaper. The kids had duel citizenship until they were 21. They then had to chose, they all chose the good old USA; this was about 25 years ago so things may have changed.

4ransom

Lived in an apartment once that had hot water plumbed to the toilet. Was real nice on a cold winter morning,especially after the first flush.

4ransom

80 yrs old, have used most of the things mentioned. Now I use a Landice treadmill, TV, and a VCR. Now I stroll along and watch a movie or TV show.

4ransom

I had a couple of fillings ever year for at least 10 years. Dentist finally gave me a prescription for a toothpaste with 1.1% sodium fluoride, the name is Prevident 5000, I have not had 1 filling since-5 yrs.

4ransom

It all starts with the soil. A good contractor will leave you a layer of top soil, if he leaves nothing but areas of sand, clay or rocks you got troubles.

4ransom

Reminds me-what ever happened on the talking house and discovered floor safe threads?

4ransom

I have everything I desire. A nice home, FI, fast car, 2 wonderful kids and most importantly the best woman in the world to manage it.

4ransom

Can I exchange VFWAX [FTSE all world except for US] for VTIAX [total international]? I think I did this the other way around a couple of bears ago with no wash sale problems, but I can not find old records. Thanks

4ransom

I think most safes home owners buy just shows the thief where youave your good stuff and if they are competent -it is gone. I keep low value bait in a cheap safe, my main wad I keep in a fool proof hiding place. I would tell but as they say then I would have to shoot you.

4ransom

Saved money, bought a business, went broke. Tried it again and it worked-still going after 40 yrs. now operated by kids. Wife and I have comfortable retirement-completely separate from business.

4ransom

I would cut out the middle man. Make a list of the best people you have known in your life who need or would put the gift to good use.

4ransom

I will go for the record, 2004 Dodge Ram diesel, comes with 2 batteries stock. 80,000 miles-15 years and stock batteries have never been replaced.

4ransom

Can I combine different years of Vanguard accounts in traditional and Roth accounts-assuming all in the same fund?

4ransom

I have been hounded by Fishers mail and phone calls for years, did not take much research to decide it was terrible product I would never be interested in, I could care less what he says, I try to judge people by what they do, not what they say. If I find a good mechanic, he can say anything he want...

4ransom

Lets go for the record, I have a 14 year old diesel Dodge Ram with 100K on it. Have never had the batteries out. Was thinking of replacing them this summer, checked out like new, decided to live dangerously and see how long they last.

4ransom

My 3 fund has averaged 8.8% over the last 10 yrs, my mortgage is 3.5%. Is it really that complicated.

4ransom

I asked my wife what she thought of having me cremated instead of a normal burial to save a little money, she said it was a good idea, but she was busy on Monday, would Tuesday be OK?

4ransom

This is the perfect plan, it has to be because it matches my IPS almost exactly, even the numbers are close. If I have to rebalance back to 300K we should be able to maintain our life style with the small amount of income from the bond, SS, and pension income.

4ransom

Does the person who received the gift required to pay regular income tax on it?

4ransom

Thanks Misiprius-been reading the forum since the Morningstar days. I mostly just skim through but I am always keeping an eye out for the BUTTERFLY. Your posts are informative, factual, easy to understandable, ect. Please keep up the great job and thanks again,

4ransom

We bought a new Toyota Prious that started smelling kinda strange. took it to the dealer and they could not find anything wrong. Went on a cross country trip and nothing changed so we kept hounding the dealer, they finally found small community of mice living throughout the AC-heater vents. Cost aro...

4ransom

Can tax lose harvesting be done with bond funds? Would changing from intermediate to short term be considered a wash sale?

4ransom

I am 70 years old with a 350K mortgage @ 3.5%. I could pay it off, but money would have to come from taxable and capitol gains would be considerable. Vanguard says my return over the last 10 years has been 10,4%. I have paid off a couple of mortgages over the years and agree it is great feeling but ...

4ransom

I have saved 20K for a party. My dad was a wonderful and thrifty guy. In his will he specifically told me not to waste money on a funeral. I rented a lodge in the mountains and invited about 50 of his family and friends-food and beverages all paid for-a wonderful time was had by all. For years now a...

4ransom

The perfect portfolio is just in my grasp
Figure I'll find it just before I pass

4ransom

Not time to dig out the PLAN B yet.

4ransom

Those were interesting times-the reason I bought TIPS and the only reason I have not sold them all.

4ransom

Retired 10 yrs ago, we are now 70 and decided to splurge, bought a Corvette and went on a big road trip, were home 2 weeks then took a month cruise through the cannal and around the horn. Still trying to catch up and rest up. Loved it but would not do it again-travel is for the younger.

4ransom

Four years ago I called SS to ask a question, they answered it and asked if I wanted to sign up, I said yes. Never went to an office or signed any paperwork, check comes every month.

4ransom

Nothing can do it all. We have a 4 passenger jeep for off road, snow and passengers and a classic Corvette convertible for summer fun and road trips with wife.

4ransom

Not effective, piece of garbage as a vacuum cleaner, excellent cat toy.

4ransom

Go to the court house and look what look up what similar farmland has sold for in the last few years; it should be in the public record, I know it is in the state I live in. I have seen some good appraisals and some that are ridiculous.

4ransom

I do not think a mere mortal can navigate the system. We tried for 30 yrs. and never could get it straight, it gets worse every year. My wife was an accountant and it drove her crazy. We are on medicare and pay for the F supplement and still get undeciferable billings; I gave up and send them all th...

4ransom

Several years ago before bogleheads, decided I wanted to be debt free. I had two loans, a car loan and a small mortgage. I guessed what I thought the payoffs would be and mailed checks explaining what I wanted to do. I received a letter on the car loan, they wanted $11.46 and would then send the tit...

4ransom

Sounds like plain old common sense to me.

4ransom

Miami to Tri-Cities - wow, about as far as you can move within the States! We have lived in Tri-Cities for over 30 years and are now both retired. Hanford is closest to Richland but all three have very convenient access to the Hanford area. We live just north of Pasco across the Columbia River looki...

4ransom

Depends if you are ever going back. I got a speeding ticket in the Australian outback from a plane, don't plan on returning so never got around to paying it. They actually scent me a couple of letters, but haven't extradited me yet.

4ransom

Seeds must have constant moisture to germinate and establish. I have had luck with a little bit of mulch and sprinkler irrigate for 5 minutes of every hour during the heat of the day. Hard to overwater, just don't cause erosion or float the seed.

4ransom

I think every kid should have a few "work" activities and then worry about the fun activities.

4ransom

From personal experience I would rather deal with a used car salesman than a FA or attorney.

4ransom

Take your wallet out of your back pocket, I was amazed.

4ransom

Take your wallet out of your back pocket; I was amazed.

4ransom

This thread brings back memories. Now I am getting old and travel the real boglehead way, grab a 6 pack and turn on the Travel chanel.

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