Bogleheads.org

jfn111

I had the same problem with a root canal. Insurance covered X and the bill came to a much bigger Y

I called the insurance company to complain and they said to stick with their in network dentists. I just had an implant done and it worked out very well sticking with their network.

jfn111

Most houses I sell average between $75 and $125 per sq foot. Obviously an expensive lot could raise that.

jfn111

I tried to offer some advice to a friend that took a high 6 figure lump sum instead of a monthly DB payout. The talk didn't go well.

Now I just shut up and let him buy the beer.

jfn111

Once I had a year into retirement and realized that we were not going to need anywhere near a 4% withdrawal rate I started getting more conservative and went to a 50/50 AA.

jfn111

I know it's not very Boglehead but yes I tend to do this. My AA is about 50/50 right know and I'll slowly go to 60/40 during a correction.

jfn111

Up here in MN the basement is insulated but stays cool in the winter. I have a gas fireplace that I click on and it shoots up to 75F in about 5 minutes.

jfn111

My views fro the Mpls./St. Paul market: Inventory is very low. I'm having trouble getting traditional buyers pre-qualified. Banks are being picky and the prospective home buyers are carrying to much Student Loan debt as well as consumer debt. The majority of new housing starts have been for building...

jfn111

Is it possible to put up some kind of wooden fence along that side of the property?

jfn111

I went and got my Real Estate license after retirement. The extra money is nice but it had more to do with wanting something to do. Since I'm treated as an independent contractor I do write off mileage, cell phone, continuing education classes, printer cartridges, paper, etc.. I decided not to write...

jfn111

We never took a lot of family vacations when the kids were young. I was always working two jobs and thinking making more money was the end all. :oops: If you could go back in time, what age would the kids be, and where would you go? Do you regret working 2 jobs and not having more time for yourself...

jfn111

Thanks, we kind of felt the same way with the kids grown we didn't really have the stain issues to deal with.

jfn111

We never took a lot of family vacations when the kids were young. I was always working two jobs and thinking making more money was the end all.

jfn111

Our washing machine bit the dust and we went to Sears and ordered a new Whirlpool front load washer. They had a washer with a steam cleaning cycle for $150 more. We opted not to get it but have been second guessing ourselves.
Does anyone have one and what are the pros or cons?

jfn111

I have most of my investments at Fidelity. I receive a call from their PCG group about twice a year offering different services. I don't return the calls. It's nice to know they have help if needed but no one's put a gun to my head forcing me to talk to them.

jfn111

Real estate agents are sleazy - I am shocked! Seriously though - yes, technically this is a violation of their fiduciary duty. But keep in mind that if they are moderately smart, they have someone else in their office represent the buyer. So on paper this other agent is representing the buyer, but ...

jfn111

Real estate agents are sleazy - I am shocked! Seriously though - yes, technically this is a violation of their fiduciary duty. But keep in mind that if they are moderately smart, they have someone else in their office represent the buyer. So on paper this other agent is representing the buyer, but ...

jfn111

About $6000 a year in dividends that actually go in my pocket. I held onto some company stock because it pays my property taxes and insurance. I never really look at the rest of the dividends because they are all reinvested.

jfn111

I buy most of my Gold and Silver at the local coin shows. Most of them have enough vendors to spur some price competition and I can usually buy at or near spot price.

jfn111

I was just looking at my cumulative spread sheet and in 2008 I was down -1% in my main account and up 8% in 2009. I got out of the market because a gold bug friend was harping on me that everything was in a bubble and to protect myself. Who knew he was going to be right.

jfn111

Generally I would say let the bank take it back, then negotiate the price with them. If you buy at auction, you take the house as is. Who knows what the current owners have done to the property, now that they are being kicked out of the home. I've seen some real messes left by prior owners. Usually...

jfn111

Generally I would say let the bank take it back, then negotiate the price with them. If you buy at auction, you take the house as is. Who knows what the current owners have done to the property, now that they are being kicked out of the home. I've seen some real messes left by prior owners. Usually...

jfn111

Jfn111: Where do you go to find listings of auctions? I searched through the legal notices in the local paper, but could not find any notice of the auction.

Auction.com is the web address for their auctions.

jfn111

Depends on the type of Auction. I just left an Auction.com property I was showing to a client. This type of Auction isn't highest bidder wins. The high bid becomes an offer and is often rejected. I've seen properties go through the auction up to 5 times before they accept a bid. A good Realtor can u...

jfn111

My goal was to retire from Evil Corp when I turned 55. I figured 33 years was enough. I got out of there with a pension and 7 figures in my 401K. I lasted 1 year in retirement and went and got my Real Estate license. I don't have to work very hard and I'm having fun helping people find their dream h...

jfn111

I love getting the dividend checks and I just make quarterly tax payments to eliminate any surprises at the end of the year.

jfn111

Water
Milk only on cereal
Coffee
More Coffee
Beer
Making my first batch of home made Beer tonight.

jfn111

I would re-key and get one of those key punch lock boxes to hang on or near the front door. The house will be secure and the contractors will use the lock box to access the key.

jfn111

80% Fidelity
20% Schwab
In my Fidelity account 27% is in Vanguard funds.

jfn111

My dad was a journalist and rode his bike to work, about 20 miles, when the weather cooperated. He also used to do a lot of swimming at the local lake.
I remember my uncle, born 1901, talking about being a stevedore in the 20's and being in the best shape of his life.

jfn111

Thank you all for having me take another look at the taxes. I realized when I downloaded from Schwab I ended up with dividend interest twice. Once from a manual entry and the other from Schwab. Refund just got bigger.

jfn111

Misc taxes was on the software recap, not on the 1040. Line 60 shows Taxes from Instructions is checked and UT is the code.

jfn111

I had to print out the return and there is $46 on line 60.

jfn111

pshonore wrote:You do owe about $45 in uncollected FICA. Does that show up on your return somewhere?

I see $46 dollars in Misc. taxes?

jfn111

Thanks

jfn111

I got a W2 from my old employer for $593.40. The code C indicates it is for the Life insurance I get as a retiree. H&R Block tax software gives me an error message because no State or Federal taxes were taken out. The Codes on the W2 are: C 593.40 M 36.79 N 8.60 DD 19671.04 Do I just ignore the ...

jfn111

When we retired we planned for a 2.5% withdrawal rate. What we found out is we don't need that much, so far, and are withdrawing less.

jfn111

My wife has always handled the checkbook. She would balance against the monthly statement until I showed her how to do it online. I'm slowly dragging her kicking and screaming into the 21st century.

jfn111

Your making a bit of an assumption about wages not rising. I started my career in 1979 and we would get $500 salary bumps every three months to keep up with the rising prices.
Anyone remember the WIN buttons?

jfn111

Congrats on working it out.

jfn111

LAlearning wrote:
dickenjb wrote:Reread the OP. He is not collecting unemployment, his unemployed wife is.
--MFJ = What's mine is yours....So yes, I will not edit my comment.
--I know they are "entitled" to it, but it is interesting none the less.

Wow

jfn111

I paid mine off two years ago. I had the mortgage company send me a payoff amount. I got a cashiers check from my bank and mailed it to them signature required. Piece of cake.

jfn111

What bank is charging him for the short sale debt? The RE Brokerage I'm with does a lot of short sales and I've never seen a bank come after the seller.

jfn111

Fidelity has most of my money since I'm trapped there until I turn 59 1/2.
Schwab has the rest but Unless they drop the fees for Vanguard funds I might transfer 1 of my Schwab accounts to Vanguard.

jfn111

My pension right now covers about 2/3 rds of our expenses. Ages 58 and 57. When we start collecting SS it should cover 90% of our current expenses. If we start traveling more in the winter then maybe not.

jfn111

Question for those that have gotten Schwab to wave Vanguard fees. How big does the account need to be? I have about $240,000 in a roll over account from when my wife retired. Schwab just charged me $75 bucks for a recent purchase. :( My accounts in aggregate are low 7 figures. I was assigned an adv...

jfn111

Question for those that have gotten Schwab to wave Vanguard fees.
How big does the account need to be?
I have about $240,000 in a roll over account from when my wife retired. Schwab just charged me $75 bucks for a recent purchase.

jfn111

Sorry if I'm being repetitive but I went through the screens on-line and it's quite a savings. Are you signing up for a two year extension?

jfn111

You forgot the 10 posters that will complain about the Larry Swedroe posts requiring they give an e-mail address to read.

jfn111

Can someone help me - I never understood the reasoning in submitting a bid to buy where the seller pays the closing costs. I've been a seller and If I got an offer like that I'd be inclined to tell them to stick it all things being equal. Just give me a clean offer with no monkeying around. I ain't...

jfn111

Well done, I was also in my early 50's before I hit that milestone.

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