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Liberty1100

Probably to start this discussion, maybe someone can clarify these:

- Would a whole life policy get taxed when it is inherited? What kind of taxes are involved with this?

- Are RMDs (required minimum distributions) are taxed at your Income tax rate (Fed and state?)?

Liberty1100

I have the same problem, except, I have never had it "remember" which one I clicked. It seems like I have to do it every time. One solution, I am sure you will hear from this place, is stop checking your accounts and it will not get annoying. So now with that out of the way, maybe someone ...

Liberty1100

I find Silicon Valley hilarious.

Liberty1100

I've had a similar issue with my MacBook Air. I spilled some beer all over the keyboard while djing in college. Well I didn't have any issues for a while until one day, my keyboard arrows stopped working. I found it super annoying. I still had apple care and I took them up on their offer of the $750...

Liberty1100

I agree Henckels makes good knives. I have several. My main complaint about Henckels, and other European style knives, is that on many models there is a full bolster (where the metal blade meets the handle). This means that I cannot sharpen the cutting edge all the way through the heel resulting in...

Liberty1100

You have spent too much time on it already. You need to call your insurance, this is why you have them. Since you know who's fault it is, they will call AFI on your behalf and get your car fixed right, possibly with a rental car. You will not need to bargain or debate with them. I had a similar situ...

Liberty1100

I absolutely love my Wusthof knife set . I have found that I rarely have needed to sharpen them. I have used them nearly every day for the past 2 years with no signs of rust of anything (clearly not as long as most people). I have used mineral oil to oil them once to keep them in tip top shape and h...

Liberty1100

This is getting me confused. *I thought you could max out your 401k and max out your IRA no matter your income. I didn't know you would loose your IRA deduction. Wouldn't it just be better to invest into a taxable account at that point? So she should invest into a Roth IRA instead of a traditional I...

Liberty1100

It will probably be more simple if you buy the car in MA, since you plan on living there. You can then not worry about transferring insurance, dealing with lease/car payment hassle with the title, and this whole sales tax issue.

Liberty1100

A rather simple and functional way is to use these heavy black out curtains or similar covering your windows. The thicker and denser they are, the better.

Liberty1100

Well, if you want something to track your investments, possibly Investment Dashboard 5 works well for me. *I don't have that many investments to worry about.

Liberty1100

I would offer whatever the cost is to make it a "legal" apartment plus a little wiggle room. That may be just expanding a window, or adding a door inside of a window. Maybe ask for some rough bids or rough order of magnitude from some contractors and pick the highest with a little buffer. ...

Liberty1100

For something like this, I would plan for it the same as if you were saving up for a house (yes,I know you already own on). I would think a lot of the same advice given about saving for a house applies here. Usually I see advice around opening a taxable brokerage account or a Ally Savings account (1...

Liberty1100

Well it doesn't seem like you mind the rental that much. That tiny cashflow now should be great in a year with it growing to $700. Doing that cashflow over the value of 189k, you are making about 3% per month. That's not a bad amount. I like that "passive" amount with you maxing your retir...

Liberty1100

I wouldn't consider them "losses" and look at them in disgust. If you had 13 funds and 4 of them at this current time are down, I would think that may be a win. You had ~70% of your funds be wins (even if it isn't much). In a perfect world, all 13 funds would have increased in value, but n...

Liberty1100

I keep my portfolio sheet on Google Drive as a Sheets document. I have it formatted so that it actively updates the prices of the stocks and funds I own, and therefore updating my asset allocation automatically. Only when I buy and sell funds do I have to input that information. The "=GOOGLEFIN...

Liberty1100

OP here, Thanks for all of the replies! I don't think I miss college. I just want to further my career and push myself for the better. I do like the suggestion of being a leader on the side to test out my skills. In my current job, I do assist with the management of the techs. I do like it and I do ...

Liberty1100

A great resource for you might be http://www.Biggerpockets.com . It is a community of landlords, flippers, wholesalers, agents, and money lenders focused on real estate investing. They have a ton of free podcasts, blog articles, and forum posts that can all provide tips, advice, and suggestions to y...

Liberty1100

I'm lost and I'm looking for some input. I need some help deciding hat kind of masters program I should look for? I don't know between the MS in Mechanical Engineering, Masters of Engineering in Mechanical Engineering, or go towards management via a MS in Engineering Management or a MBA. I am three ...

Liberty1100

Here's a link for faster discussion, What to Do When I Get Stupid: A Radically Safe Approach to a Difficult Financial Era . I have never heard of it. Based on the 24 reviews, I don't think many have. I would think the information found in this book might be less than we might pick up on this forum a...

Liberty1100

I would expect some of the price counts for spoilage. After a day or two, it is highly noticeable which loaves are fresh and which are "old". That would probably add to the "cost" but not significant though.

Liberty1100

My dad uses a music stand, like this one , to hold his iPad pro while he "runs" on the treadmill. It holds the weight well and it fairly adjustable for maximum viewing pleasure. He "runs" because I don't count watching an episode on Netflix while you jog slowly very athletically ...

Liberty1100

To really see if it is worth it, I would look at your energy bills. Would amount of reduction in those bills be worth the $4,435 they are quoting?

Liberty1100

Okay. I say just divide each account and asset in half. Savings: 50%/50% Non-retirement Accounts: 50%/50% 401ks: 50%/50% IRA: 50%/50% Roth IRA: 50%/50% Now for the house, get the appraised estimate of it. If she still wants half, have her pay you for it using the savings and non-retirement accounts....

Liberty1100

from the original post, index funds require low skill. You will get the same return as the market and you can't control that beyond asset allocation. With rental property, you can choose to redo things, choose to charge lower rent, choose to swing for the fences, choose to remodel, choose to do a lo...

Liberty1100

I put most of my money in index funds, which isn't as exciting. As a way to make me not touch or worry about the index funds, I have been putting away "micro" amounts to Lending Club for "fun" and something to track and analyze (I'm a engineer). Saying that, I don't think LC coul...

Liberty1100

Hi all, I was listening to Mark Cuban's "How to Win at the Sport of Business" and it got me thinking. A quick search brought me to a semi-related topic dating back to 2009, " Stock in the Saints ," which brings up a link to Wikipedia: List of Publicly Traded Sport Companies . The...

Liberty1100

Do you think you can attach the names of the funds you are looking to invest in?

Liberty1100

* A little side note, I would make sure that list makes its way to a cloud-based storage system like Google Drive, iCloud, or Dropbox. If there was a theft, fire, flood, or something else, it would be a bummer to have created a list, but cannot access it or loose it.

Liberty1100

I find that Google Finance is very useful and have been using it for years. Have you tried it?

Liberty1100

Im having the same problem as you and I am interested in some solutions. One think I have found useful in my winter running is a reflective vest. Most of the time, I am running either before work or after, which is when it is dark outside. I bought this reflective vest off of amazon and it has worke...

Liberty1100

Can I suggest that your business may be a great asset? Would you be up to selling part of your business? If the business itself is "stable" and successful, which it sounds like, maybe you can look around for a partner or an investor for a share of it (along with a portion of the profits). ...

Liberty1100

The Nest Learning Thermostat should be able to work with that system. To check, carefully pry your thermostat from the wall and look at what wires are connected to what terminals. Enter in that information on Nest's Compatibility checker here . The Nest has a feature called "True Radiant" ...

Liberty1100

Why do you get your ducts cleaned? Seems like a money making scam to me. I think that's exactly what the cleaners are trying to do, make money . They aren't going to do it for free. Cleaning of force air ducts are definitely a thing to do every couple of years. It depends on how dusty your lifestyl...

Liberty1100

I do not think having your mailbox becoming frozen shut is a real concern. It would be temporary at most.

However, I could see someone's downspout, runoff, or splashes from a nearby puddle could apply a thick coating of ice, but it doesn't seem like the case.

Liberty1100

Good luck! OT school is quite competitive. My girlfriend is a 1st year OT student and I was around when she was getting her interviews for schools. It is definitely great news that she got an interview. - I have heard of interviews where they role-play and one of the interviewer's is a difficult eld...

Liberty1100

I don't know what all the fuss is about. Just get a Keurig, like the K350.

Liberty1100

I would think about the Value-Added when you buy it. Is there somethings that you would do differently? Do you have connections or know how to get more out of the current operation?

I would take those into consideration as well.

Liberty1100

I would want to know their name and their number. Text or call that number too and have them respond. Maybe give them your address, but not your unit number. Once they get to your apartment, make sure you are not alone for safety. Also, hide obvious valuables if your very worried and maybe move it c...

Liberty1100

A similar thing happened to me with my new car. You need to look into claiming lost diminished value of your car. Even if it is repaired with Mazda parts, that car is worth less than seconds before the accident. When you sell your car, that accident can come up and the dealer would pay less for it. ...

Liberty1100

You should join the biggerpockets.com forums. It is a large community of real estate agents, landlords, property managers, lenders, wholesalers, and everyone in between. Just join for free and read more about it. You should do this even if you are going with a property manager. They have tips on how...

Liberty1100

Another solution if you don't like the size too much, would be to get a smartwatch. You could quickly look at notifications and then decide if you should pull out out phone or ignore. I recommend the Moto360 as a cheaper alternative to the Apple Watch.

Liberty1100

Wearables are a hot topic in science and tech these days. Just look at our smartphones. There are accelerometers, gyroscopes, ambient light sensors, cameras, fingerprint sensors, and now force sensors. I would find it interesting for the student to apply the use of one of these to get an understandi...

Liberty1100

I only have a iPhone6, but I know what you mean. If you like the size of the iPhone 6plus, but you don't like how hard it is to get out, you could always pick up a smartwatch. The smartwatch allows you to see your notifications quickly and effortlessly. It would complicate your transition, but it is...

Liberty1100

I second Portland, Maine. Another quick stop could be Ogunquit, Maine.

Liberty1100

My best "investment" in a consumer item would be a smartwatch. I got the Huawei Watch , which has been working out very well. I find that I save time and effort by not needing to deal with my phone. I used to find myself looking at my phone for time or a simple text. Now my smartwatch prov...

Liberty1100

I have used UpWork.com, which is a more professional version of Taskrabbit and it has been great. A lot of people like choosing their own little projects and seem to be very enthusiastic.

Liberty1100

Yes. Supply him with a loan, that is it. He might like that deal as well. He gets to keep the leftover, is encouraged to be finished faster, and you are protected from a declining housing market swing.

Liberty1100

Why not buying and managing a rental property or two? It sounds like you already have the background to handle the financial end of it, so If you are willing to do the work, it seems like less of a gamble than most of your suggestions. A great resource for you for that is biggerpockets.com. Real es...

Liberty1100

I feel the same way with my car. I got it for a 5-year loan and have been paying $100-400 more per month to get rid of it.

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