Bogleheads.org

I don't see why not. The employer might not want to do it, since it changes their books for the year. I assume you don't want to or cannot defer the income some other way (e.g., 401(k) contribution or Traditional IRA)?

My hunch is that you get your money back. It's been a long time since I studied the Uniform Commercial Code (UCC), but cashing a check with a fraudulent endorsement is usually on the cashing bank. Your bank should refund the money to you, then go after the cashing bank to get the money back. (I am a...

As others have, it is almost certainly the fault of the flapper, which should ideally perform within prescribed norms. But flappers are, of course, notorious for behaving otherwise. https://en.wikipedia.org/wiki/Flapper With loose flappers everywhere, sometimes it feels like our society is really g...

tibbitts wrote: ↑

Tue Sep 11, 2018 7:37 am

You might edit the title to say that water runs into your toilet tank occasionally. I've never heard of a toilet that makes a flushing sound occasionally, that would be something very different.

Mine makes this sound every time I push the little lever.

... Sorry. Couldn't resist.

I've just realized I'm being a poor guide here. Lots of info and nothing concrete. So here it is: buy this, plug into your ethernet run, and be done.

https://smile.amazon.com/dp/B0087NZ31S?sa-no-redirect=1

$90 bucks, great reviews, touchscreen setup. Simple!

We tried having the 'cable modem wifi router' come in to our main floor, but the 2.4ghz didn't reach to the garage. So that is when we put it sending out 5ghz and extending the signal. It's just the 'extending the signal' part isn't working so well anymore. I had never heard of a wireless access po...

bryanm, Just to be sure that you understand exactly what I am recommending.<br/> A) I am recommending spend $80 on the TPLink 802.11AC router.<br/> B) I am recommending against spending a few hundred dollars on the Google WiFi which is not based on the new 802.11AX standard.<br/> KlangFool I think ...

Folks, 802.11ax is coming out. I would spend as little as possible on the older technology. https://www.networkworld.com/article/3215907/mobile-wireless/why-80211ax-is-the-next-big-thing-in-wi-fi.html KlangFool Timing WiFi standards is almost as bad as trying to time the market. The frustration of ...

Carson, It might be helpful here to define some terms, to help sort out what works best for you: Modem: This is what converts your cable line to an ethernet. Gateway/Router: This is the "central controller" of your network. It's what lets devices talk to one another and with the internet. In almost ...

If you want to learn more about this type of scam, the podcast "Reply All" did a couple of good episodes on them them: https://www.gimletmedia.com/reply-all/long-distance.

The great thing here is that you'll be selling high to buy low. Not really. You will sell high, buy higher. Example: Year 1: stocks +20%, bonds +3% ==> sell stocks, buy bonds Year 2: stocks +5%, bonds +2% ==> sell stocks, buy bonds Year 3: stocks +3%, bonds +5% ==> sell bonds, buy stocks, but stock...

When the market invariably turns, and one day I wake up to see that my bond allocation exceeds my stock allocation on the day I've chosen to rebalance once a year or so ... does that mean I'll be selling Total Bond to purchase more Total Stock/Int'l Stock, in order to keep my 70/30? In other words:...

Thanks all for these super helpful comments. To answer some of the questions here: Our combined income currently is about $350k (the 35% rate is accounting for the 2.9% medicare tax). By the time I'm actually able to hit $160k pre-tax contributions , I suspect that our income will be in the $500k ra...

Thanks. I Retiredjg. It's a tricky problem to get my head around. I agree others might not have realized the amounts. More fundamentally, my first post might not have been clear: if I max out my pre-tax funds, it will almost certainly be the vast majority of my savings. (Obviously saving more is pre...

Retiredjg, Thanks for your post! I am a contrarian at heart, so I appreciate anyone who doesn't jump on a bandwagon. A thorough response deserves a thorough reply. I'll try to answer each of your questions in turn: I am in the lucky position of having both a high contribution limit to 401(k) or equi...

if you retire early and need to use money from IRA's, you can set up 72t plans to avoid the 10% early withdraw penalty prior to age 59.5 Yes, there are more than one ways to skin a cat. (you just have to catch it first) :annoyed Also take a look at Roth Conversion Ladder. Yes, you should max your p...

FiveK wrote: ↑

Wed Aug 15, 2018 12:41 pm

bryanm wrote: ↑

Wed Aug 15, 2018 12:26 pm

Had totally missed this option. Thank you! I will research. I assume that I would be able to pull at least 4% a year out using RMDs?

Investment Order and How to withdraw funds from your IRA and 401k without penalty before age 59.5, and links therein, may aid your research.

Thank you!

Had totally missed this option. Thank you! I will research. I assume that I would be able to pull at least 4% a year out using RMDs?

I am in the lucky position of having both a high contribution limit to 401(k) or equivalent accounts and the potential ability in the coming years to max them out. I'm a (junior) partner at a firm, and I can contribute to the employer side of my 401(k). Between that and my wife's 403(b), we have a c...

I second Sofi. I was in a similar situation and got a much lower rate than this: 3.4% on a ~$75k loan with a 5 year repay period.

First Republic has lower rates, I think. Never used them as I did not qualify.