Bogleheads.org

Liberty1100

I think it depends on how rough you will be with the watch. I bought the apple care for my series 2 because I am a young guy that's pretty active. This is also the only watch I have besides a very basic Casio watch for when I am on vacation (which this replaces).

Liberty1100

Ugh, I have had my own renting nightmares. I am glad the OP is happy with his outcome. I think this should serve as a reminder for everyone to know your rights, don't sign anything until you read it (Terms & Conditions included (but quickly, probably), and get everything in writing (photos). Als...

Liberty1100

If you are wondiering HOW to do it, I recommend Biggerpockets.com. It's a similar community but real restating investment focused and this strategy is common there. My opinion, I would structure it so that they pay you the condo, taxes, and of course, the mortgage payment. Then, if they are late or ...

Liberty1100

I have not tried them, but as an engineer, I am skeptical of them. It might block the airflow across your coil which would rob your system of cooling capacity. However, if lint is always getting sucked on it, that would be just as bad. I wouldn't recommend it for everyone, but if the lint makes a fi...

Liberty1100

I have been living without the facebook app for a while. It wasn't the data, but it was the notifications and the urge to keep checking it that made me want to delete it. My solution was to delete the facebook app and just access it through safari. It is still (stupidly) addicting. I have the facebo...

Liberty1100

Maybe "economies of scale" can help you out! (Sarcasm)

Liberty1100

Law school is prohibitively expensive and, in most cases, if you don't get a wall street-biglaw type job, your median income is 50k: https://economix.blogs.nytimes.com/2010/07/26/the-two-track-lawyer-market/ I say this as a lawyer. Think twice. There is no such thing as a real estate law degree, an...

Liberty1100

bigguy8437 wrote:Ok so I think I found a manageable studio in Jamaica Plain for $1,150 a month with utilities included.

Nice find. It seems like you are on a good path.

Liberty1100

I'm not a professional in this industry, but I have a feeling that there are some benefits with regards to depreciation for tax purposes, and having vacant space write offs. I may be wrong. I think this is kind of the wrong way to think about it. Tax write offs means that that investment is losing ...

Liberty1100

2. its cash-flow lending, you can always continue to improve the property, get more rents out of it, and increase its value/equity, keep doing this and one day you will have 0 equity in the property even at 70 or 60% LTV, and the property will generate healthy cash flow for you I would like to know...

Liberty1100

Sears is going out of business, Macy's is closing stores, JC Penney's is closing stores. Eventually as the older generations less comfortable with internet shopping die off there will be even less demand for brick and mortar. I know I certainly almost never buy in brick and mortar unless I need som...

Liberty1100

Does this happen when just one is called? Maybe call forwarding is enabled on one of them.

Otherwise, follow these instructions:
Disabling the FaceTime iPhone Cellular Call Feature on Each iPhone

I hope she enjoys the new phone!

Liberty1100

As a renter in boston, I hate renting in Boston. Over the years, I have needed to see a lawyer to get a landlord to act like he should, have seen other commercial landlord companies take complete advantage on foreign students. I toured a place where four foreign students were living where they had l...

Liberty1100

I'm an Ally guy as well. I haven't had any problems, but I warn that they are online which makes cash deposits painful.

Liberty1100

-Made as part of a series of substantially equal periodic payments beginning after separation from service and made at least annually for the life or life expectancy of the participant or the joint lives or life expectancies of the participant and his or her designated beneficiary. (The payments un...

Liberty1100

At your age (just two years ago), I thought passive income was what I was looking for. I found that if I spent more time focused on my "day" job, investing into myself, I have increased my salary and my future well-being more than any passive $100/month or whatever gimmick is out there now...

Liberty1100

I second biggerpockets.com, but I warn you that they seem to wear rose-colored glasses sometimes. I recommend picking up: 1) The Book on Rental Property Investing: How to Create Wealth and Passive Income Through Intelligent Buy & Hold Real Estate Investing! - It provides you with everything arou...

Liberty1100

Instead of getting a $20,000 raise, you effectively getting a $12,000 raise. You should think about that job offer you passed on. If you received that offer again, would you take it vs this $12,000 raise? From the frustration I am sensing from your post, it seems like you would have taken that job o...

Liberty1100

No need for attorney here. Your insurance company with do that for you if you ask. You are paying for their services even if you don't "go through" them.

Liberty1100

My parents had the opportunity to purchase some Facebook stock very early in the company's history, long before they went public. That stock is now worth a high six-figure amount, and because the cost basis was pennies per share, nearly that entire amount represents capital gains. They recognize it...

Liberty1100

First, make sure your mom is 100% okay. If she has some sort of whiplash or bruised or possible fractured bones that she discovered a day or two later, make sure you take note and see a doctor about it. Doctor's notes are very good evidence if you need their insurance to pay up for injuries. Second,...

Liberty1100

[Post content removed by admin LadyGeek] Let me just express the view that apartment rents can be very high for those just starting out in such an area. There can be little time and information, as well, in finding safe and acceptable housing. When starting a new position, especially as a young per...

Liberty1100

Be sure to search for tenants' rights laws for that city and state.<br class="dp1487014227_text" __decreased__="element1487014227"><br class="dp1487014227_text" __decreased__="element1487014227">In HCOL Boston, for example, it is illegal for a landlord to req...

Liberty1100

CASE STUDY: I did a little research but I am sure the hosts can probably provide a better estimate of how many page views this site gets per day: Siteworthtraffic.com estimates 33,024 page views per day. Similarweb.com estimates 84,000 page views per day. statshow.com estimates 21,264 page views per...

Liberty1100

Why don't you spend a little time looking around and actually gauge how much you are worth on the open market? Personally, I would not work that much unless if it was for far more than you are making, but that is me. I would take this advice and run with it. You are questioning your worth. How abou...

Liberty1100

For those following this, from this discussion, I developed the following page for Boglecenter.net describing the Amazon Smile program and how it benefits the Center.

I'm taking feedback on how to describe the program better. Feel free to PM me.

Liberty1100

I couldn't find more about the JOHN C BOGLE CENTER FOR FINANCIAL LITERACY from a quick google search. Can someone provide more information about it?

Liberty1100

I like the simplicity of using the windfall to pay off the mortgage, while making sure you maximize your tax-advantaged accounts. I disagree. With a 2.75% interest rate and the tax deduction from the interest effectively making it a lower rate, I wouldn't use the windfall to pay down the mortgage, ...

Liberty1100

You might be able to get a diminished value claim, definitely worth looking into. I agree with this. Because your car was in an accident that was not your fault (I assume), you are owed additional money on top of the repair due to the lowered resale value of your car. I hope you have a paper copy o...

Liberty1100

My toast oven is on it's last legs too. It has been burning my toast more and more each day for the same amount of time and the buttons are wearing out. We have had it for 10 years, i think, and we use it for toast and for roasting veggies once and a while. As I have done some research recently to p...

Liberty1100

I would say take a look at the HP Photosmart D110A Wireless Printer . I think it is the quality that you want and has the ability to print from your smartphone or tablet, which I feel like is how most people take photos these days. The ink, HP60, is only $48, which is average for such printers. I th...

Liberty1100

According to MileIQ :
"a special tax rule allows you to deduct up to $5,000 in start-up expenses the first year you are in business. Then, you can deduct the rest, if any, in equal amounts over the next 15 years. (I.R.C. § 195.)"

Liberty1100

Wow. This is a gold mine of great tips and advice. I would like to add another vote towards biggerpockets.com . It is just a great free resource for landlords and investors. This online real estate community have put out several books fairly recently that will have answers to your questions: (I rank...

Liberty1100

I think you also forgot to include the lost of resale value in your home or the increase rent you had to pay. Dogs typically scratch hardwood floors and sometimes urinate on the carpets. When a potential buyer walks through your house, they could be allergic, notice a smell, or notice the worn floor...

Liberty1100

Thanks for the replies. I'm single, so it would be just the $1,000 of it to be deductible. Starting January 1st, can I open and fund a 529, then wait a couple weeks, and withdraw it to pay for my tuition? Would I still get the tax benefit even if I didn't keep it in the fund for 1 year? Where can I ...

Liberty1100

Upon reading another recent post, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=205331&newpost=3148822 , I came across the idea of using a 529 college saving account to save for graduate school and also quickly using it for my tuition payments. Can you guys help me navigate through th...

Liberty1100

Since you guys seem into those kind of things, what's the difference between those three models?

Liberty1100

I recently went from those underlying funds to the LifeStrategy and target retirement funds solely based on reducing the time it takes to manage. I kept needing to log into my vanguard account every other week to determine which funds I should buy with my latest deposit. I was influenced by the news...

Liberty1100

One way to think about this would be to calculate what kind of return would you be getting on your money. If you put in that 6K of cashflow into the mortgage. You would be paying down your low interest mortgage. After 25 more years or when you sell, you'll see that effect. If you put that 6K into ot...

Liberty1100

Biggerpockets.com is a great resource for rental property investing. They have active forums, a great weekly podcast that has been going on for years, and they have released several books. I would read these books in this order: 1) The Book on Rental Property Investing: How to Create Wealth and Pass...

Liberty1100

I believe you could always withdraw contributions from the Roth without penalties. You receive the penalties when you withdraw the earnings.

Liberty1100

Its just so tempting!

You can easy fabricate a track record and make yourself look really good. They don't say much what their algorithm uses to calculate the ten stocks.

Liberty1100

I was purusing my Facebook timeline tonight and I stumbled upon a Facebook ad for Amplitrade , a very non-boglehead thing. It is a company that supplies an email newsletter showing 10 stocks they recommend each month. To use their methodology, you would buy the 10 stocks they recommend and sell the ...

Liberty1100

With the heat this summer, do you find that you have to keep the AC on or lower when you and your family is at work/school? What about the winter? Do you have any reasonable estimates about that extra cost?

Liberty1100

I totally recommend BiggerPockets. I listen to their podcasts, read blog posts/articles, and participate on their forum, all for free. If you asked those guys, you have have a complete reversal and your next purchase would be rental. I think what is holding me back is my career development and enter...

Liberty1100

A couple months ago, I dumped in a couple hundred to test it out. I'm getting an adjusted annualized rate of return of 16.63% and a non-adjusted being 19.28%. I have had two people fully pay back there loan in the first few months, and one guy is always paying late. I think the difference might be t...

Liberty1100

Wait, are you loosing $150 a month I this property? Ouch. Maybe it's worth refinancing to get cash flow then.

Liberty1100

FYI: Read Bullet 4 "Are Distributions Taxable ?" :happy https://www.irs.gov/publications/p590b/ch02.html Thanks, but I don't think that really helps me. I understand that I cannot withdraw my "earnings" as a distribution until I reach a certain age or I have to pay an additional...

Liberty1100

I'm thinking of executing the "Roth IRA as Emergency Fund" strategy as detailed here: https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund - I started my Roth IRA just a year or two ago. - I make mid-60s and am only 25 years of age. - I do have an emergency fund already sitting in...

Liberty1100

1. Do NOT use a legal zoom lease. Consult a real estate lawyer and make sure you include a clause for eviction if the tenant does not pay and include late fees for leverage. The $200-250 fee to draw up a lease that YOU want is worth every penny. I just want to point out, state laws for things like ...

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