Bogleheads.org

jjface

okay thanks

jjface

Do insurance companies usually withhold taxes in these situations when I am self employed? Is this a requirement or can I negotiate them to pay it gross?

jjface

Not sure if anyone can answer this. I was in a car accident and was not at fault. I am self employed and lost work due to the accident. The other driver's insurance company is paying damages for lost income and pain and suffering due to physical injuries. My doctor provided a note to state that my i...

jjface

Yes me too

jjface

Personally I think "If you can" cannot be beat as an introduction to investing. https://www.etf.com/docs/IfYouCan.pdf Short and simple. If you want to go more complicated than that I wouldn't turn to Jlcollinsnh. Though I see he is pretty popular and some appreciate his style of humor. I find his in...

jjface

Personally I would go nuts messing with files on an ipad. So much easier to deal with a proper file system and use microsd cards etc. Drop the files into your favorite cloud drive (eg Dropbox or Google Drive). Gives you a file system that you can access from anywhere, from any device. Just not the ...

jjface

If all you are doing is reading pdfs of fairly small size 20-60 pages then you can do that on any of the major tablets with pens - surface pro, ipad pro, samsung s3. Personally I would go nuts messing with files on an ipad. So much easier to deal with a proper file system and use microsd cards etc. ...

jjface

Sent a message yesterday and was told it was over. No mug for me

jjface

Went through 4 pixel 2 xls before getting a good one.

Decided to switch to the smaller one anyway as I didn't like the 18:9 screen and rounded corners. It was a bit big for me too.

Love the pixel 2 (not xl)

jjface

We have to remember this is not a plan that is split equally x ways. It was an arrangement where the person pays the extra cost for their line. The cost of the extra line is now $25. So I would charge $25 unless I particularly want to subsidize this person. You are not obliged to continue giving it ...

jjface

Sorry to be so traditional and against modern thinking but...

Being a mom is a full time 'job' and is hard work.

Being pregnant is not the time to start thinking about career choices in my opinion. Just take the time to enjoy the baby and then take it from there.

jjface

A mobile hotspot plan?

You won't get as many GB but it is an alternative. Depends what you mean by basic? And it may be just as expensive.

jjface

Could be anything. Perhaps there was one bidder who asked for more time or they didn't get as many bidders they had hoped. Or perhaps they are trying to get people to up their bids. Just bid what you want if you want and not worry about it. As someone else said - tomorrow will be here soon enough an...

jjface

Retail? CDs like from ally bank can offer some advantages as often the penalty to break them is much smaller than the benefit of investing in a higher yielding CD. Brokered CDs will be very similar to bond funds.

jjface

No one here is going to be better at that decision than you. Treat yourself or not up to you.

Either way you are spending money whether from income or the bonus so doesn't matter where it comes from.

jjface

...others are reporting State Farm DECREASING their premium over the same period, My state farm policy is not decreasing and mirrors what your amica premiums have been doing - up up up. Not quite as steep as yours but double digits still. Grass isn't greener over on this side. I was thinking of swi...

jjface

Those bonds are losing value.... You just don't see it. You don’t understand bonds. If you buy an individual bond for $1000, then interest rates rise, the value of that bond falls to below $1000. Just because you don't mark it to market does not mean it's not happening. The value of the bond will t...

jjface

I like rebalancing. It keeps risk in check. You pick an asset allocation to match your risk tolerance. If you are okay letting stocks drift from 50 to 60% then you either were too low to begin with or are not thinking enough about what you would feel if stocks started to plummet. What happens if sto...

jjface

madsinger wrote: ↑
Mon Feb 12, 2018 6:21 pm
Would anyone be interested in "mobile" sized charts?

Thanks,
Brad.

Thanks as usual. Reading this on a phone and looks fine to me. Just have to scroll right a bit but easier enough to read.

Please do keep the reports coming! Very useful.

jjface

madsinger wrote: ↑
Mon Feb 12, 2018 6:21 pm
Would anyone be interested in "mobile" sized charts?

Thanks,
Brad.

Thanks as usual. Reading this on a phone and looks fine to me. Just have to scroll right a bit but easier enough to read.

Please do keep the reports coming! Very useful.

jjface

Can you invest less often than monthly? 600 is a lot of money to be wasting. I'd consider 87.5% of your portfolio in the lifestrategy 80:20 and hold 12.5% in a bond fund. Gives you 70:30 overall. You'll probably find yourself contributing to just the bond fund rather than the lifestrategy fund with ...

jjface

I would want to know what would happen if I leave after 10 years vs 20 for example. It would be great if it was simply half the final pension but if there is a significant penalty for not being in the scheme a long time I would think hard about joining since there is a good chance you will leave for...

jjface

You really need to compare Wellesley to alternatives with a similar asset allocation ie mix of fixed income and equities. Comparing to a 100% equity fund is meaningless. An all equity fund has much more risk and therefore higher expected return. YTD is also far too short a period to use for comparis...

jjface

I would not ignore social security. Your husband is already at a age that he can take it now if he wants so there is little risk of you not getting it. You are not far off either. I suspect your combined social security at 67 would be pretty significant. Get an estimate. You sound like you are in a ...

jjface

Yes you can FIRE easily in my opinion. Let me spell it out simply. You have $77,500 for life from 67. So set aside 8 years * $77,500 from retirement at 59 to 67 = $620,000. That gives you $77,500 from 59 for life. Leaving you with $1m in your portfolio ignoring all the extras like work income and ho...

jjface

Just enjoy your money and stop worrying about it. $5m congrats! You can always go for a health sharing ministry if you are that desperate to save health costs. And I imagine it won't be that long until medicare.

jjface

I use this stuff - advion
https://www.amazon.com/Advion-Ant-Gel-I ... B014EIAAPS
You put it in their path, they bring to the colony and poof no more ants.

Works wonders.

I've tried many of the other suggestions and at my house this is what does the trick.

jjface

Easy to recommend anything when all your living expenses are met already.

jjface

As long as you can afford a 15 year mortgage then pick whichever you prefer. It is okay to go with a 30 and invest the extra elsewhere.

If you can't afford a 15yr or it will be pushing things then consider less house.

jjface

rec7 wrote: ↑
Sun Jan 28, 2018 7:27 pm

I keep a cell phone in my winter jacket. I charge it up and it will last all winter. I use tello for a one time $10. You have to make one call every six months to keep it active. In the summer the weather in nice I figure I can walk to a pay phone.

Nb they changed it to 3 months.

jjface

Iphones are updated for longer and tend to last longer before showing their age. The google pixel range is pretty good - 3 years of promised updates for the latest ones. The thing with android is that once they have stopped being updated they still work and there are a lot of options to install cust...

jjface

Does any of this matter? I will tell you there is no one perfect phone that will satisfy everyone - not even close.

Pick a phone you like and stop worrying about the rest.
Hate the iphone x - then return it or sell it. Try something else.

jjface

Take a look at Truphone, which utilizes both the ATT and T-Mobile networks. Sorry to correct you - they are just ATT now. They stopped using Tmobile several years ago unfortunately!! I stand corrected: "Global SIM operator Truphone, which operates on AT&T and T-Mobile in the US, is dropping T-Mobil...

jjface

The iphone X is like a taller 5.2" normal screen. The width is about the same as a 5.2" phone like the nexus 5x. The iphone 8 plus has a 5.5" screen. Personally I don't like this whole trend towards these super tall screens. Just send it back and get an 8 plus if it bothers you. Some people really l...

jjface

cacophony wrote: ↑
Tue Oct 31, 2017 2:20 am
Take a look at Truphone, which utilizes both the ATT and T-Mobile networks.

Sorry to correct you - they are just ATT now. They stopped using Tmobile several years ago unfortunately!!

jjface

If you check out VG's institutional site, there's more info, including benchmarks, which might help with the domestic/international split. Click on each fund's link in the first paragraph, then click on the Fact Sheet in the right-hand column. https://institutional.vanguard.com/VGApp/iip/site/insti...

jjface

Pixel XL

I also have a moto E4 and that is a great phone for the price. Camera isn't great though but everything else is good.

jjface

Sorry if it is posted somewhere already but does anyone know the expected split between US and foreign holdings?

jjface

The biggest difference is that Bogleheads usually want to work for longer. Probably not because they necessarily like working but because they consider it a necessity. They want to keep investing those earnings. It is mostly about maximizing investments. Many Bogleheads will be worried about retirem...

jjface

It is all relative. My cell plan costs $7.50 a month and some people pay $80 a month. I could buy an Iphone X and still be paying less. At the end of the day the real decision is whether picking an X over an iphone SE, 6S or 7 (or +) is worth it. You get a phone that is 90-95% of what the X is at a...

jjface

Your verizon iphone SE will work on sprint/boost but it doesn't have LTE band 41 so won't get the very best speeds. It probably doesn't matter too much. If boost works why not switch to the free year of sprint unlimited. Costs about $3.5 a month in taxes and fees. Requires a hard pull since it is po...

jjface

It is all relative. My cell plan costs $7.50 a month and some people pay $80 a month. I could buy an Iphone X and still be paying less. At the end of the day the real decision is whether picking an X over an iphone SE, 6S or 7 (or +) is worth it. You get a phone that is 90-95% of what the X is at a ...

jjface

MAGI just means a modified AGI. Every different agency/use can modify it however they wish. So do not use MAGI references for anything except the program for which you will be applying. I believe MAGI is a firm definition. Different states and agencies have the ability to approximate it to make inc...

jjface

Cash wrote: ↑
Tue Sep 12, 2017 3:37 pm

GuitarXM wrote: ↑
Tue Sep 12, 2017 3:36 pm
No new features.
That's just factually incorrect.

Yes I mean those animojis that follow your face. Wow. Not.

jjface

You will probably want to get your agi down. Things are based roughly on MAGI these days (which = AGI for most) with some discretion to vary it slightly for states to make it easier to verify/estimate income from available sources. So your tools are mainly trad iras and TSP. Trad iras will lower ag...

jjface

You will probably want to get your agi down. Things are based roughly on MAGI these days (which = AGI for most) with some discretion to vary it slightly for states to make it easier to verify/estimate income from available sources. So your tools are mainly trad iras and TSP. Trad iras will lower agi...

jjface

You sound like me. I hardly go out in the yard now. Ready to move.

I put some mosquito repellant on my arm and a second later a mosquito landed on it and bit me while I sprayed the other!

jjface

I think any book that recommends 100% stocks is dangerous - especially one meant for beginners. A lot of these bloggers are 100% stocks and maybe they can handle it but not many others. A lot started their blogs after 2008 too. Not sure when this one started. I skim many of the "FIRE" websites, and...

jjface

You qualify for benefits but they will be reduced by the windfall elimination provision. If you gain 30 years in the usa you will get the full social security amount

jjface

Iphones have always been $600+ for the latest. Att just hid the cost in your monthly contract. Wise up and go prepaid - cricket or h20 or even att prepaid. What you save will more than cover the cost of the latest phone. Cricket also has discounted phones eg the iphone se 64gb for $240 or an iphine ...

Search found 2479 matches