Search found 222 matches

by Devil's Advocate
Sat Apr 14, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Used Ford Explorer: Limited vs. Sport trim
Replies: 4
Views: 452

Used Ford Explorer: Limited vs. Sport trim

Bogleheads, I'm in the market for a new to me used car. Am looking at 2016/17 Ford Explorers. Want all wheel drive/4 wheel drive. Wife set on leather seats. Am not sure if getting sport package is worth it. Looks like it adds an additional three or four thousand dollars compared to Limited edition. ...
by Devil's Advocate
Tue Mar 20, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best 401k for small companies?
Replies: 12
Views: 1157

Re: Best 401k for small companies?

Does Employee Fiduciary act as both custodian and trustee?

DA
by Devil's Advocate
Tue Mar 20, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: guideline.com for small business 401K?
Replies: 24
Views: 2801

Re: guideline.com for small business 401K?

Does guideline.com act as both custodian and trustee?

DA
by Devil's Advocate
Tue Mar 13, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 8787

Re: Dave Ramsey on Bonds

DanMahowny wrote:
Tue Mar 13, 2018 11:46 am
There was a time when Dave's advice made sense to me. Back then, I was paid by the hour, had mullet haircut, and drank Mountain Dew all day long.

Glad that version of myself is long gone.
That's hilarious Dan
Love it!

DA
:P
:sharebeer
by Devil's Advocate
Thu Feb 08, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell gold krugerrands?
Replies: 12
Views: 1348

Re: Best way to sell gold krugerrands?

I inherited six a year or two ago. I looked locally but they were all a pain in the rear end. Wanted to x-ray them and all that. Also were not competitive with the spot price. I looked online and sold it to the dealer in Arizona I believe. Very easily sold and paid appropriately. My brother sold som...
by Devil's Advocate
Sun Feb 04, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1081

Re: Is VPN needed on a home desktop PC?

I have been looking at dedicated VPN router/modem instead of software based vpn. Any opinions on this?

DA
by Devil's Advocate
Sat Jan 13, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11830

Re: IRS announces new withholding tables for 2018

An option for some to cut through the unknowns is to calculate their tax burden under the new law, set exemptions ridiculously high to make withholding 0 and enter in the additional amount to withhold per pay period on the next line based upon total due / pay periods in the year after accounting fo...
by Devil's Advocate
Mon Jan 01, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1751

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

In a little different situation I sent my favorite charity a donation to be charged to my credit card. Sent the form on the 23rd. It has not been processed by my credit card company yet. If it is not processed in 2017 can I deduct for my 2017 taxes? I am thinking I may chance it either way since ch...
by Devil's Advocate
Sun Dec 31, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1751

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

In a little different situation I sent my favorite charity a donation to be charged to my credit card. Sent the form on the 23rd. It has not been processed by my credit card company yet. If it is not processed in 2017 can I deduct for my 2017 taxes? I am thinking I may chance it either way since cha...
by Devil's Advocate
Sun Dec 31, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 4993

Re: Two-comma club just in time for the New Year, and thank you

Congratulations! Very impressive. Keep up the good work.

DA
by Devil's Advocate
Tue Dec 26, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3252

Re: Should we downsize?

I would keep your home. I'm mortgage free so I understand your preference to be debt free. That being said your income is good and you obviously love the house. You are plenty young enough to sock away enough retirement cash.

IMO keep the house you love.

DA
by Devil's Advocate
Mon Dec 25, 2017 3:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8740

Re: My Christmas Present to You

Thank you for your service Taylor. Love your insights and wisdom.

DA
by Devil's Advocate
Sun Dec 24, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5962

Re: Not investing through your 30's

Delaying gratification has paid off well for me.

DA
by Devil's Advocate
Fri Dec 22, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 22345

Re: Do you see a meaningful change in your income with new Tax Bill?

I believe I will save approximately ~20% on my federal taxes. Which isn't life changing. But that additional money will allow me to pick up less shifts and this increases my standard of living.

DA
by Devil's Advocate
Tue Dec 19, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7016

Re: Can I afford it: Dodge Challenger

My view is if you don't pay cash then you can't afford it. You seem to think that I am advocating you to not put in as much to your retirement funds. I disagree. You should be paying as much into your retirement AND saving for a cash only car. I would advocate this if you were buying a vanilla used ...
by Devil's Advocate
Thu Dec 14, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 37
Views: 4801

Re: Ameriprise :(

I'm sorry to hear about your situation. I am not sure how you can get out of the complex products.

Are these in 401ks/traditional IRAs? Roths? Taxable?

DA
by Devil's Advocate
Wed Dec 13, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind" That's exactly what is in the purchase agreement signed by landowner. Thanks Sandtrap. DA I'm not sure what force suc...
by Devil's Advocate
Wed Dec 13, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

I spoke to the landowner and he stated that the person leasing the hunting ground did not want my vehicle on the north side of the timber because it affected the way the deer traveled. In situations like this, where there is no compromise (old father and pregnant wife), all you can do it fight fire...
by Devil's Advocate
Tue Dec 12, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind"

That's exactly what is in the purchase agreement signed by landowner.

Thanks Sandtrap.

DA
by Devil's Advocate
Tue Dec 12, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

Curious - are any of the responses here by attorneys that specialize in this kind of law? I know real estate can be different, but OP has a signed agreement from the current land owner that he can access the land from the north, and precedent has been set for 5 years in regards to what access from ...
by Devil's Advocate
Tue Dec 12, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

I may be way off on this, but it sounds like deer hunting is the primary focus and not hiking. It also sounds like you've probably set up a nice blind on the North because the deer bed in the South and you're waiting for them to come in. You don't want to stir them up on your way to the blind (if y...
by Devil's Advocate
Tue Dec 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

A square 40 acre parcel would be about 1/4 mile on a side. Is it feasible to create a path, rather than a road, from the south side, with a crude bridge over the stream? The creek floods often so creating a bridge across could prove problematic. Plus pushing the deer away by driving thru the timber...
by Devil's Advocate
Tue Dec 12, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

I guess we had his written agreement to allow us access to the north. My father naively assumed he didn't need the easement.

I agree with all of you that this debacle could have been avoided at the purchase.

Seems like selling may be the best bet.

DA
by Devil's Advocate
Tue Dec 12, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

If it were me, and I wasn't too emotionally invested in the land, I'd sell it and walk away (if you don't get good news from your lawyer). Landlocked land is usually bad news, particularly if you don't have hard and fast legal access. Even if you get this sorted out and everything goes back to norm...
by Devil's Advocate
Tue Dec 12, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

Not sure given the agreement, but should have had an easement designated and in the title. I actually own a similar piece of land, except I’m the one that you have to access through to get to a 20 acre parcel. There is no easement and it’s not on the title work. When I bought the land I politely to...
by Devil's Advocate
Tue Dec 12, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

I should add that the only decent way to get to this north side of the property is through his field. There is a fairly large Creek that divides the property. Also most of the deer that we would be hunting bed on the south side of the property and we would have to drive by them and then walk all the...
by Devil's Advocate
Tue Dec 12, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Access to landlocked timber blocked by landowner

Bogleheads, My father purchased a landlocked 40 acre timber a few years ago to sell timber and for recreational activities ie. hunting, hiking, etc. The seller of the timber owns all the adjacent property. There is a deed which grants access to the south side of the timber. In the final purchase agr...
by Devil's Advocate
Sat Dec 09, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Trying to nail down asset allocation for second bucket
Replies: 43
Views: 1846

Re: Trying to nail down asset allocation for second bucket

I don't know how your asset allocation should change over time in the period from retirement to the onset of significant income. I have an intuition that it shouldn't change by very much. The issue would be strongly affected by what fraction of your assets you need to consume to get through the ini...
by Devil's Advocate
Wed Nov 29, 2017 3:23 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17468

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Granted, he “saw the light” nearly 4 years ago, when BTC was $114. He bought $10K worth. I’m thinking it might be time to take some profits. He is a working stiff, but also a business man and a smart one at that. His opinion is that if if it goes to zero, $10K won’t break him, but if he sells, he m...
by Devil's Advocate
Wed Nov 29, 2017 1:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 9606

Re: Can I afford a $1,400,000 house

Yes, you are both Doctors. The rules you live by are different than the rest of us. It is very unlikely that either of you will ever be out of work for long or ever take a pay cut. Sorry, Being a physician does not change the math. If anything the situation is worse since physician burnout is a fai...
by Devil's Advocate
Tue Nov 28, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 9606

Re: Can I afford a $1,400,000 house

Yes, you are both Doctors. The rules you live by are different than the rest of us. It is very unlikely that either of you will ever be out of work for long or ever take a pay cut. Sorry, Being a physician does not change the math. If anything the situation is worse since physician burnout is a fai...
by Devil's Advocate
Sat Nov 25, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: the psychology of a taxable account
Replies: 29
Views: 3542

Re: the psychology of a taxable account

I max out tax all deferred accounts every year available to me. I am thinking of starting a taxable account. I am also thinking of paying down some low interest mortgage debt in lieu of the taxable account (forced savings). Tax deferred accounts are easy for me to mentally categorize as 'untouchabl...
by Devil's Advocate
Wed Nov 22, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3211

Re: HELOC to Maximize Retirement Contribution

I don't disagree Klang. Good analysis as usual.

DA
by Devil's Advocate
Wed Nov 22, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3211

Re: HELOC to Maximize Retirement Contribution

1) If you use those tax-advantaged space, you will pay more tax in the future. Plus, paying interest on the HELOC now. So, why do you want to do this? KlangFool, Thank you. I thought that I will accumulate wealth if I pay a lower rate for HELOC than the rate of return of my investments. Is this tru...
by Devil's Advocate
Mon Nov 20, 2017 4:51 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3211

Re: HELOC to Maximize Retirement Contribution

I'm sorry but this sounds like an awful idea. Borrowing against your house to fund a tax deferred account so you can pay your children's education. What could go wrong? I suppose losing your house if you become unable to make the payments is the big one. What about funding a 529 if you are able to d...
by Devil's Advocate
Sun Nov 19, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15436

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave's number one sin is claiming one can safely withdraw 12% per year of retirement funds. However as of late he stays that even if I'm half right you'll still have plenty of money. A 6% withdrawal rate is also not a safe withdrawal rate.

DA
by Devil's Advocate
Sun Nov 19, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 45
Views: 3258

Re: service life of (walk behind) lawn mower?

I have a 10 yr old Toro mower with wheel assist. The wheel assist cable broke a year ago. My lawn is 1/3 of an acre only and it's a pretty good workout since I have a nice incline in the back yard. I have done zero maintenance. Haven't changed the oil once. The safety cable broke this spring. I jury...
by Devil's Advocate
Sat Nov 18, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...house buying question (budget)
Replies: 17
Views: 2024

Re: To buy or not to buy...house buying question (budget)

Payoff your student loans ASAP and rent within radius required. Renting in a less desirable location for the short term will pay huge dividends in the future. You will be able to buy your house with the amenities you wish for without feeling guilty. Delaying gratification has paid well for me thus f...
by Devil's Advocate
Sat Nov 18, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Smoothing out a Property Tax bill
Replies: 13
Views: 884

Re: Smoothing out a Property Tax bill

That's the way I do it.

DA
by Devil's Advocate
Sat Nov 04, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: portable propane heater that's easy to turn on?
Replies: 10
Views: 757

Re: portable propane heater that's easy to turn on?

Wow Crazy coincidence. I bought a Mr. Buddy portable heater and couldn't get the ignition to start either! The reviews and you tube videos show that it should start easily. I returned mine and got another one today. I am waiting to try again. I suspect you received a faulty one as well. DA This you...
by Devil's Advocate
Tue Oct 31, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: portable propane heater that's easy to turn on?
Replies: 10
Views: 757

Re: portable propane heater that's easy to turn on?

Wow

Crazy coincidence.

I bought a Mr. Buddy portable heater and couldn't get the ignition to start either! The reviews and you tube videos show that it should start easily. I returned mine and got another one today. I am waiting to try again. I suspect you received a faulty one as well.

DA
by Devil's Advocate
Sat Oct 28, 2017 3:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Boglehead.org
Replies: 24
Views: 2430

Re: Thank you Boglehead.org

It's great isn't it?! So fortunate to have this community.

:sharebeer

DA
by Devil's Advocate
Mon Oct 23, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 2081

Re: Favorite HIIT Workouts

Mountain tactical institute Bodyweight foundation course... Will finish 6 week course this week. Just did 8 mi jog in 75 minutes Lots of High intensity intervals and short sprints with long easy runs as well. Really increased my endurance. Workout scales to fitness level. Definitely recommend. Train...
by Devil's Advocate
Mon Oct 23, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5241

Re: what is your weekly workout routine?

Mountain tactical institute Bodyweight foundation course... Will finish 6 week course this week. Just did 8 mi jog in 75 minutes Lots if High intensity intervals and short sprints with long easy runs as well. Really increased my endurance. Workout scales to fitness level. Definitely recommend. Train...
by Devil's Advocate
Sat Oct 21, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 6099

Re: just hit the two comma club today...some thoughts

seligsoj wrote:
Sat Oct 21, 2017 4:32 pm
Leemiller wrote:
Fri Oct 20, 2017 6:33 pm
Congratulations! That kind of investment starts to do some heavy lifting for you!

Are you going to celebrate?
No celebrations yet. My husband joked that we should celebrate by splitting a Subway sandwich. :).
That's hilarious! Congratulations that is impressive.

DA
by Devil's Advocate
Thu Oct 12, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3715

Re: Mechanic expects me to pay for his mistake

Get the mechanic to cover difference between whatever the Ford settlement is and the actual cost to get your truck fixed. Those folks saying the mechanic has no liability in this are simply wrong. You engaged him to repair the problem, not break off tools into your truck's engine. If he knew of the...
by Devil's Advocate
Thu Oct 12, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3715

Re: Mechanic expects me to pay for his mistake

Get the mechanic to cover difference between whatever the Ford settlement is and the actual cost to get your truck fixed. Those folks saying the mechanic has no liability in this are simply wrong. You engaged him to repair the problem, not break off tools into your truck's engine. If he knew of the...
by Devil's Advocate
Thu Oct 12, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3715

Re: Mechanic expects me to pay for his mistake

I guess that is the Crux of my main issue is that the mechanic did know of this risk but did not inform me. That may have changed whether or not I would have changed the plugs. The issue I was having in the first place is very intermittent and has been there off and on for a couple years. I thought ...