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TexasMu

I'm married, but haven't been able to convince DW of the benefits of a ROTH, so just one ROTH thus one 8606. I think I got it.

The inherited IRA was from my grandmother's IRA and was immediately distributed (Merrill Lynch).

TexasMu

Thanks for the quick responses. I will continue on with the 2020 backdoor Roth and fill out two separate 8606's for the tax return.

This is the information I was looking for. Much appreciated

TexasMu

I inherited an IRA from a relative who passed and took the distribution earlier this year. I also usually do a Backdoor Roth. Will this cause an IRS flag ? Any tips on the 8606 to avoid a CP 2000 letter ( I got one of those before and was able to get the IRS to cancel it). I have not done the ROTH y...

TexasMu

You might get it to reset by putting it in recovery mode and using itunes . Here are some instruction I used last week on a 6s : https://support.apple.com/en-us/HT201263 You can also download the os here: https://ipsw.me/ I followed this on video on youtube: https://www.youtube.com/watch?v=lt8Rb2z8s...

TexasMu

There is a low tech / low buck version called Homeworx HW-150PVR that just needs a portable hard drive and an antennae. You have to manually set your recordings but will repeat daily, weekly, etc. You can also take the recordings off the portable hard drive and watch on a pc. Here is a link to it on...

TexasMu

The_MisFitz wrote: ↑Fri Jan 03, 2020 4:20 pm

Where are most people buying UPRO and TMF? Fidelity or Schwab? Also, what's the minimum amount for each of these?
[/quote]

You can buy them on Merrill Edge and no minimum

TexasMu

I'll go ahead and state the obvious - run a HDMI cable from your laptop to your TV and then you can get everything from the website. I'm subscribing to this thread and hopefully someone will come up with a way to do this with an app on the Fire stick. I haven't played with the Fire stick, but that i...

TexasMu

Thanks guys. I'll check out the websites and open a thread if I get stuck

TexasMu

I've worked 33 years and have accumulated $1,686,154 per ssa.gov . Where do I go from here or should I open a new thread ?

TexasMu

Care to share the formula for the bend points ? I would like to recreate the spreadsheet for myself.

TexasMu

apple44 I have recently went through this and wanted to let you know what worked for me I had incorrectly filled out my 8606. After researching bogleheads about this issue, I followed white coat investors tutorial https://www.whitecoatinvestor.com/backdoor-roth-ira-tutorial/ I sent a letter stating ...

TexasMu

I would be in for a double cab 4x2 at $0 down $152/mo

TexasMu

Great story. Love the never give up , keep fighting underlying theme.

TexasMu

Check out the manta rays at the Sheraton in Kona. They come out at night to feed. The Sheraton has big lights and you can see them easily in the ocean. Back on topic - I spent a week there in 2016 and had a minivan - $300 from dollar. Only came across a couple of instances where it was 4wd only. The...

TexasMu

Heybro, try this homeworx PVR 150 for $35 on amazon + a portable hard drive https://www.amazon.com/Mediasonic-HW-150PVR-HomeWorx-Converter-Recording/dp/B00I2ZBD1U I've been using this for 5+ years. Very similar to an old school VCR. Not for everyone but it gets the job done and is easy on the wallet...

TexasMu

I have a 4runner and the maint light comes on when it is time for an oil change - every 5k miles

TexasMu

You're right on track

Great job and keep doing what you are doing !

TexasMu

Congrats !! Huge mile marker .. keep the momentum going

TexasMu

Stay the course and don't look back ! Congrats

TexasMu

Why do I go to restaurants? OP, I can hear myself giving some of the reasons you do for not going out and when I do I sound fussy and not very fun. So Ive been trying to go out to dinner with my wife more lately. It is a treat and I try to act that way. Our favorite way is to join another couple fo...

TexasMu

hamilton4ever wrote:500k is a serious chunk of change no matter who you are! That's a great achievement, congratulations. Charlie Munger said the first 100k is hardest...I hope that's true

+1

TexasMu

check out http://www.cheaprvliving.com Bob has tons of articles and has a youtube channel called enigmatic nomadics. FYI, I have NO affiliation with him so I'm not spamming. I definitely find the nomadic lifestyle very intriguing. From what I've read people are boondocking and living off less than $...

TexasMu

I'm extremely debt averse, to the point where I pay off our credit cards multiple times a month, even though I have never paid a penny of interest. It took me ~15yrs to complete my education (BS, MS, and PhD) because I was determined to never take out a loan (successful). We also are paying off our...

TexasMu

Same boat. Current liquid assets are seven times my gross annual salary @ 33 years old. I plan to rent as long as I can because I don't want the hassle of home ownership! It has been over a decade since I last cut the grass, shoveled snow, etc. I don't worry about appliances breaking or replacing t...

TexasMu

It sounds to me like you have yourself in a very nice spot financially and could upgrade to a $400K house very easily. If you are trying to retire by 40 , then you would be better off staying put. I would be interested in existing house ... Would you mind sharing the zip code ? Current DFW boglehead...

TexasMu

Oh, that's a classic. And a beauty. If I wasn't so deathly afraid of BMW maintenance, something like that a few years newer would be my wife's next car. I almost purchased a used 635csi recently but two different BMW owners talked me down. :D Thanks for the compliments. These cars aren't for the fa...

TexasMu

Here is my beater / daily driver - only car I own - 2004 545i - 132K miles - runs excellent

TexasMu

reriodan wrote:Don't pay a premium for the marketing hype and instead use linux. Once you get used to it you will be wondering why you didn't switch sooner.

Which distro of Linux do you use or recommend ? I have an extra PC that needs an os and I would like to try myth TV DVR software

TIA

TexasMu

muredhawk235 wrote:And here I am at 29 hoping to get 10k by the time I am 30...

Hang in there hawk. This site can be intimidating with the ages and the networth , but the principles work. Just keep plugging away and soon enough you'll see for yourself how all this comes together

TexasMu

2004 BMW 545i 125K <--- I know not very Boglehead friendly , but most fun sedan I've ever driven

I have several BMW message boards I follow to keep up on the maintenance myself.

TexasMu

Congrats OP ! You have step one accomplished (positive NW). Get rid of the college/car debt ASAP and you will feel like you own the world .

danwhite - mrmoneymustache has some active forums with lots of good FI ideas also

TexasMu

I've been researching this myself. Here is what I've come up with

Harbormobile - has a 5gb of data for $15 per month .

Sprint Boost has 10gb for $50

My wife and I use about 10-15 gb per month and I'm looking for a solution also.

TexasMu

Strong work !

Congrats and thanks for sharing

TexasMu

GermanExpat I just bought my wife an Ipad Air last month ! I've had several android tablets and never had a problem getting movies copied over and watching them. Main problem I had was these were cheap android tablets and never made it past one year before giving up the ghost for one reason or anoth...

TexasMu

I use iexplorer on Mac there is a windows version also. I think it's free software. I like oplayer since it can play multiple video formats, most videos off the net are in avi format. Copy the file to the documents folder of the oplayer app. Thanks for the tip. My problem is I am trying to get arou...

TexasMu

I listen to him quite a bit and I agree that he is coming around to recommending no-load S&P 500 index fund quite frequently I just wish he would come off that 12% avg return and 8% SWR :oops: <-- I have not heard him recommend this in quite some time ... so ** maybe ** he is slowly backing off this

TexasMu

ilovepiano - any tips on moving a mp4 from a windows pc to ipad air ?

My pc can see the ipad , but I cannot move a file onto the ipad. It is acting like the ipad air is read only

PC is running Windows 10 preview

TexasMu

Much appreciated bigred.

TexasMu

What type of loans exist for putting down 5 % and getting a 15% + 80% loan ? <--- poor wording, just clueless on loans

I assume pay off the 15% loan and then PMI would go away ??

Excuse my ignorance , I'm trying to put 5% down and pay no PMI or as little PMI as possible. Options ?

TIA

TexasMu

Just a heads up. No windows media center in 10. Windows Media Center turns your pc into a DVR similar to a Tivo. Most people do not use it (thus MS dropping it). Thought I would put this info on here just in case someone hasn't got the memo

TexasMu

Great info Drew777 and BFG. I plan on giving this a shot very soon

TexasMu

I buy Amex gift cards through a shopping portal to offset the cost of Visa gift cards. I've slowed down my volume a little since RedCard doesn't allow them to be loaded directly, but it still covers the VGC fees plus some. Would you mind disclosing which shopping portal ? I am in the process of giv...

TexasMu

Here's a real success story: 2009 I had a business that went kaput and some personal debt that left me with $113K in debt. I really had no idea what I was going to do. Several close friends turned me on to Dave Ramsey. I read his Total Money Makeover book in 3 days. I had a good job paying $70k and ...

TexasMu

awval999 <--- care to share any more details on the Barclay strategy ? I need a hotel strategy for a week in Maui (OGG) in September. Wife wants to stay at the Westin so I was looking at the SPG card . TIA

TexasMu

I own a 2004 545i with 115k miles. Road feel, stability and braking are second to none. This car puts a smile on my face every time I get in it. The reality of owning a BMW has been mentioned above .. expensive maintenance, tire wear . LOTS of things wear out and need to be replaced. Basic stuff tha...

TexasMu

You are killing it !!!

Just watch out for lifestyle creep (new cars, fancy vacations) and you will be financially independent before you know it

TexasMu

If you could put a pole in concrete and run it up the side of the house would be best. Temporarily , I would just mount it on the side of the house to see if you get better reception. You might need an antennae amplifier to increase signal strength on the weak channels <--- try this first. $15 at Ra...

TexasMu

staythecourse ---- I love the contrarian view of NOT having cable also OTA antenna Homeworx OTA DVR - no fees VirginMobile 4G external modem $40 month for 10GB ( I rarely go over 10GB due to just surf the web , ie no gaming or netflix ) So grand total is $40/month A hidden benefit of this is the por...

TexasMu

The homework box seems great. My only concern would be something like this - https://www.youtube.com/watch?v=wfJxc1r7t4A Is that due to the input signal or homeworx recording device? How much space is need to record 1 hour of TV? Pixelation does occur during the recordings sometimes. If the station...

TexasMu

I encourage you to give this a try. It seems a little intimidating but it can be as basic a setup or as complex a setup as you choose. Here is an example of a basic setup that I use everyday and ordered everything from amazon.com Antenna RCA ANT751 Durable Compact Outdoor Antenna $45 on amazon plus ...

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