Search found 320 matches

by cusetownusa
Fri Oct 26, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Has anyone had success getting reimbursed for repairs later covered under a Recall?
Replies: 7
Views: 695

Re: Has anyone had success getting reimbursed for repairs later covered under a Recall?

Yes, I have. My alternator went on my jeep and I think I paid roughly $600 to get it replaced by my local mechanic. About a year later a recall was issued on it and it was a very simple process to get reimbursed the full amount I paid. I think I just went online and submitted some form and attached ...
by cusetownusa
Thu Oct 11, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5918

Re: Anyone done a Hair Transplant?

TxAg wrote:
Wed Oct 10, 2018 10:14 pm
Buzz your whole head with a #1. I think that's the best look for early balding.
this is what I do, I am 39. When my hair loss gets worse I will probably end up just completely shaving it with a razor.
by cusetownusa
Thu Oct 11, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5918

Re: Anyone done a Hair Transplant?

pennstater2005 wrote:
Thu Oct 11, 2018 10:12 am
I had someone tell me once “you look a little thin on top” I replied “you look a little thick in the middle”. He never mentioned it again. Feel free to use that :D
lol
by cusetownusa
Tue Oct 09, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7016

Re: Got my new Iphone Xs

Just pre-ordered the Pixel 3 today, supposed to have an even better camera than the 2 and still, no notch. These phones are darn expensive though... but they last at least two years, so amortized it's not horrible. I am no phone expert but I thought I saw a photo of the pixel 3 and it had a notch a...
by cusetownusa
Tue Oct 09, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7016

Re: Got my new Iphone Xs

Just pre-ordered the Pixel 3 today, supposed to have an even better camera than the 2 and still, no notch. These phones are darn expensive though... but they last at least two years, so amortized it's not horrible. I am no phone expert but I thought I saw a photo of the pixel 3 and it had a notch a...
by cusetownusa
Fri Oct 05, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: Is there a best time to do a Roth conversion?
Replies: 11
Views: 1675

Re: Is there a best time to do a Roth conversion?

I plan on doing Roth conversions until a sizable traditional IRA is depleted. This will begin in a couple of years and will likely take 20 years since I'll only be converting to the top of the 12% bracket. This will happen while I'm still working. The only way I'll be able to do this is by making c...
by cusetownusa
Thu Oct 04, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7946

Re: I see now why Rollovers can take FOREVER ....

Ugh, I just happened to start a transfer yesterday from my wife’s Voya 403b to her Vanguard 403b. When I started I was thinking it would be a simple process but I’m quickly learning it won’t be. One good thing is both 403b are with the same employer but not sure if they makes a difference or not. So...
by cusetownusa
Thu Sep 20, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7612

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

KlangFool wrote:
Wed Sep 19, 2018 8:05 pm
OP,

You would have to be crazy to believe that paying 20% to 30% tax in order to save 4.75% interest is a good idea. It is a very simple math.

20% to 30% is bigger than 4.75%.

KlangFool
This
by cusetownusa
Tue Sep 18, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2183

Re: New SUV

I just leased a 2018 JL Wrangler for $368/mo including tax for a $39k MSRP car and I paid $0 up front, all taxes and fees were rolled into the lease. Buying the same car with a 60-month loan would’ve cost $700/month. I can also write off the entire lease payment since I’m self employed. Leasing isn...
by cusetownusa
Tue Sep 18, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2183

Re: New SUV

I just leased a 2018 JL Wrangler for $368/mo including tax for a $39k MSRP car and I paid $0 up front, all taxes and fees were rolled into the lease. Buying the same car with a 60-month loan would’ve cost $700/month. I can also write off the entire lease payment since I’m self employed. Leasing isn...
by cusetownusa
Thu Sep 13, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16035

Re: iPhone XS Max

They're the most valuable company on the planet for a reason! $1100 for a smart phone is just ludicrous for a lot of people. That's MacBook territory. I'm interested to see if the "cheapo" version (iPhone Xr: $750) sells better. Lots of consumer psychology in how to choose. I think for quite a few,...
by cusetownusa
Thu Sep 13, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16035

Re: iPhone XS Max

They're the most valuable company on the planet for a reason! $1100 for a smart phone is just ludicrous for a lot of people. That's MacBook territory. I'm interested to see if the "cheapo" version (iPhone Xr: $750) sells better. Lots of consumer psychology in how to choose. I think for quite a few,...
by cusetownusa
Wed Sep 12, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2941

Re: Toilet Makes A Flushing Sound Occasionally

glad i found this...having the same issue. Hopefully this fixes my problem.
by cusetownusa
Wed Sep 12, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10352

Re: Anyone else not save for cars?

Interesting.. I drive a 15 year old Jeep with 140K miles on it... Paid for... But I'm planning to drive this another 10 years unless something major happens to it. what kind of jeep do you have? My Jeep Grand Cherokee is only 7 years with 72,000...I am hoping to get at least 15 years, 150,000 miles...
by cusetownusa
Fri Aug 24, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: 4x8 overhead storage: SafeRack vs Fleximounts
Replies: 13
Views: 1504

Re: 4x8 overhead storage: SafeRack vs Fleximounts

Looks like the amazon item has an additional $15 coupon and if you have the amazon cc you would get another 5% off.

Plus its a Prime item so you would get free shipping and could return it if you want.
by cusetownusa
Fri Aug 24, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: 4x8 overhead storage: SafeRack vs Fleximounts
Replies: 13
Views: 1504

Re: 4x8 overhead storage: SafeRack vs Fleximounts

I had the Saferack overhead storage at my last house, I remember Costco had them on sale. I would like to get them again for my new house. It seems there is some competition now, a knockoff called Fleximounts seems to be a better deal. Costco has the SafeRacks 4x8 model for $199 shipped, amazon has...
by cusetownusa
Sat Aug 18, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13839

Re: Teachers Who Have Net Worth of $1 million +

As a retired teacher, I'm interested in hearing from my fellow Life-Giving Educators who were able to devote their lives to teaching, invest over time, may have started side businesses, and have amassed over $1 million net. How did you do it? Perhaps share your net worth as a testament to other you...
by cusetownusa
Tue Aug 14, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 48
Views: 5650

Re: After Tax Savings Rate

Apparently our savings rate is 65%, but I'm counting our employer's contribution to the 401k and our principal paydown on all of our "forced" savings. Not a great measure of discipline, but nonetheless tells us we're on track for "FI" in about 10-15 years, if we were able to tap our 401ks - which w...
by cusetownusa
Tue Aug 14, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: After Tax Savings Rate
Replies: 48
Views: 5650

Re: After Tax Savings Rate

Apparently our savings rate is 65%, but I'm counting our employer's contribution to the 401k and our principal paydown on all of our "forced" savings. Not a great measure of discipline, but nonetheless tells us we're on track for "FI" in about 10-15 years, if we were able to tap our 401ks - which w...
by cusetownusa
Fri Aug 10, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8193

Re: Should I tell my family/friend that they are making a financial mistake?

My siblings and I really have no problems with criticism. One of the in-laws remarked to us at a family gathering, "It is amazing how you all can say anything you want and nobody ever gets mad. With my family we stopped talking to each other years ago based on even more trivial things." So I would ...
by cusetownusa
Thu Aug 09, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8764

Re: Huge mortgage mistake

Seems like a simple solution to me...just pay down your mortgage principal to 78% of the original purchase price and your mortgage lender should remove PMI. That's what I did. Like you I only put 5% down on my house because I wasn't sure how long I would be able to sell the house that I was moving ...
by cusetownusa
Thu Aug 09, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8764

Re: Huge mortgage mistake

Seems like a simple solution to me...just pay down your mortgage principal to 78% of the original purchase price and your mortgage lender should remove PMI. That's what I did. Like you I only put 5% down on my house because I wasn't sure how long I would be able to sell the house that I was moving f...
by cusetownusa
Tue Aug 07, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16119

Re: Will you pay for your kids' college/graduate education?

OP here. Can we please stay on the topic? I am pretty sure this thread is close to getting shut down as I am not sure what new information you are looking for. I have a simple rule I use on this forum that any thread greater then 20 posts have no answer because there are no answers and just becomes...
by cusetownusa
Thu Jul 26, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9794

Re: Vanguard Paper on Roth Conversion Analysis

Great discussion by all. I have been going through this analysis for my situation and this has been helpful, however, I still don't know if it makes sense for me our not. I will be able to convert up to $50,000 within the 22% bracket and because of the 20% pass through deduction I will only have to ...
by cusetownusa
Sat Jul 21, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pass Thru Deduction-Roth Conversion Question
Replies: 6
Views: 597

Re: Pass Thru Deduction-Roth Conversion Question

I do not mean to hijack this topic, but I have a question on a related topic: any idea (with sourcing if you have any) whether deductions for a solo 401K by a sole proprietor are deducted before the 20% pass through deduction, or not? You get the 20% deduction on the lesser of your taxable income (...
by cusetownusa
Fri Jul 20, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Pass Thru Deduction-Roth Conversion Question
Replies: 6
Views: 597

Re: Pass Thru Deduction-Roth Conversion Question

I'm planning on doing the same. Makes sense to me. Are you going to wait until the end of the year to make one big conversion or are you converting some now? My initial plan was to do one conversion at the end of the year when I know exactly how much to convert. But now I am thinking I should conve...
by cusetownusa
Thu Jul 19, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pass Thru Deduction-Roth Conversion Question
Replies: 6
Views: 597

Pass Thru Deduction-Roth Conversion Question

Does it make sense to do a Roth Conversion to max out the 20% pass through deduction? Being self-employed and below the pass through deduction threshold I believe I will be able to take advantage of the 20% pass through income deduction. The way I understand it is that I will be able to deduct 20% o...
by cusetownusa
Fri Jul 06, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12976

Re: What time do you get up in the morning?

I awaken naturally every morning, so I get out of bed shortly after my eyes open which can vary from 5:30am-7:30am. Go to bed at 10:00pm 7 days per week, though I typically dont enter sleep until 10:30pm-11:00pm. Makes for a very restful 7-9 hrs of sleep each night. No alarm clock in over 5 years, ...
by cusetownusa
Fri Jul 06, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15463

Re: How to "retire" in your 30's article

Congratulations on your accomplishments marc1976. Ignore the resentful comments. I am surprised to see them especially from bogleheads. Cherish every moment with your family and friends. Life is short and have fun! :sharebeer Congrats!!! +1...I am also surprised to see the resentful comments from b...
by cusetownusa
Fri Jul 06, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5475

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

Since you asked im going to look in my cloudy crystal ball. Hate to say but that crystal ball has only been right one time over the dozens of times i looked in it. That was back in 1998 or 1999 when everyone was talking about the new economy, the internet, company's were trading higher even though ...
by cusetownusa
Fri Jul 06, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2806

Re: Surface Pro(2017) vs 10.5" iPad Pro

Interesting discussion as I am trying to decide between the 2. I was planning on waiting for the new Ipad Pro to come out but I am currently leaning towards the Surface Pro. I feel that the surface pro would be better for completing work tasks and using excel. Also, I tend to use my iphone for every...
by cusetownusa
Tue Jul 03, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8916

Re: Any Boglehead powerlifters?

Never realized it until a few years ago, but I've been boglehead lifting all my adult life. I like that analogy. I went through phases of doing a lot of secondary lifts, but never found they helped the 3 primary lifts. The big 3 (push, pull, squat) cover all the muscle groups. I did like adding pul...
by cusetownusa
Wed Jun 20, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 93
Views: 6154

Re: Struggling - Seeking Advice to Get On Track

If you aren't already maxing out your tax deferred accounts (doesn't look like you are) you should divert your extra mortgage payments to do so.

Why pay 32% in extra taxes to pay down your low rate mortgage?
by cusetownusa
Thu Jun 14, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13397

Re: MD&P just purchased X / sold Y [md&pharmacist]

Whats your IRR of your entire portfolio (Stocks, Bonds, Cash) over the last 12 months, 3 years, etc.? Wouldn't that be more important than how one of your many funds performed well. That would be like me bragging about how my Amazon stock has gone up x% over the last few years even though its just ...
by cusetownusa
Thu Jun 14, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13397

Re: MD&P just purchased X / sold Y [md&pharmacist]

Whats your IRR of your entire portfolio (Stocks, Bonds, Cash) over the last 12 months, 3 years, etc.? Wouldn't that be more important than how one of your many funds performed well. That would be like me bragging about how my Amazon stock has gone up x% over the last few years even though its just a...
by cusetownusa
Tue Jun 05, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

$11000 property tax? You could probably rent an Apt for $1000/month to save the property tax and use the mortgage saving for retirement saving. If this is in TX, $320k 6 years ago could have appreciated 50%, to almost $500k, and the property tax rate is 2.7% in Dallas. Sadly there is little to no a...
by cusetownusa
Tue Jun 05, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

WhiteMaxima wrote:
Tue Jun 05, 2018 12:26 pm
For 300k house, $11000 property is way too high. Find out where your tax dollar goes.
lol...you don't need to tell me that. I live in NYS, famous for high income taxes and property taxes. FYI, Most of it goes to Schools.
by cusetownusa
Tue Jun 05, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

According to current law (which could change at any time, of course), the new tax cuts will expire in 2025. We'll be back to the old rates and the old SALT deduction. Have you taken into account the fact that your SALT deduction will be restored in a few years? https://www.factcheck.org/2017/12/gui...
by cusetownusa
Tue Jun 05, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

Perhaps a dumb question, but have you first tried appealing your property assessment down? Seems like you might be able to, given neighbors with much lower property taxes. My neighbors taxes would only be lower if the house was less expensive. The school District I live in has homes ranging from $8...
by cusetownusa
Tue Jun 05, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

So did your property taxes recently go up? What are your itemized deductions under the old law? What tax bracket are you in? What is your state and local rate? Can't give an opinion without this info. JT They go up about 2-3% per year but the biggest jump is the fact I can't deduct it anymore. I wa...
by cusetownusa
Tue Jun 05, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

What are your other good reasons for downsizing? That should probably be the deciding factor. Would you and your family be happy in a cheaper house? There will be costs in switching places that you need to consider. Over time there may very well be savings which could lead to earlier retirement, gr...
by cusetownusa
Tue Jun 05, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

What were your typical itemized deductions under the old tax law? At say the 28% tax bracket, you are only losing $6-7,000 in if they were $44,000 or more, which seems like a lot, even for New York state. Also consider that the rate at which your income was taxed has been lowered, also saving you t...
by cusetownusa
Tue Jun 05, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Re: Downsize due to tax law change?

It wouldn't be worth it. Besides, your tax bill this year is unlikely to be 6-7k more due to the larger standard deduction (especially if you have kids that qualify for the tax credit). Yes, I know I will have some offsetting tax savings and its not really a question if I can afford it now; however...
by cusetownusa
Tue Jun 05, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1916

Downsize due to tax law change?

Has anyone that is affected by essentially not being able to deduct Property Taxes and Mortgage interest thought about downsizing to a cheaper place with less property taxes to make up the difference? Does it make sense to do so? When I bought my place (6 years ago for $320,000 - brand new house at ...
by cusetownusa
Mon Jun 04, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 184
Views: 26270

Re: Don’t cheat yourself with the 4% rule

Although this is nothing new, I thought the article was interesting. She talks about a more flexible retirement withdrawal method rather than something more rigid like the 4% rule. I think Taylor does this. https://finance.yahoo.com/news/don-t-cheat-yourself-4-061658618.html I stopped reading at th...
by cusetownusa
Sun Jun 03, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83091

Re: How much money do you want to retire?

Wow, I feel so poor and far behind on my savings after reading this thread. I thought I would have a good chance of being set by 45 (38 now) but now I am second guessing it. I think I would be perfectly fine with $2,000,000 but I would prefer $3,000,000 and $4,000,000 would be my extravagant retirem...
by cusetownusa
Sun Jun 03, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 47076

Re: Name something you had to have and now you regret purchasing it?

I could probably make a long list of things that I regret purchasing and would be worth $100,000s today if I had invested that money instead. However, that’s all in the past but the one purchase that I still regret sometimes is my current house ($300,000) and the $11,000 in annual property taxes. At...
by cusetownusa
Thu May 24, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18158

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Thanks to all for your input and giving me a quick gut-check on this. Since my AA (other than rentals and primary residence) is just about 100% equities, I do think that in lieu of having bonds, I think it makes sense to retire the mortgage. This is what I was thinking...If you had a bunch of bonds...
by cusetownusa
Wed May 23, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Parents with pre-K kids and 529 target
Replies: 50
Views: 3445

Re: Parents with pre-K kids and 529 target

Interesting discussion...I just played around with that Vanguard tool which is great. I have a 5 and 3 year old and after playing around with that tool it looks like College could cost anywhere from something minimal or nothing to $600,000 plus each. :shock: I live in NY and if AGI is below $125,000...