A blog about things I find useful
Overview 2020 is almost over (good riddance!), so perhaps now would be an appropriate time to assess your 2020 tax withholdings for taxes due in April 2021. I find it slightly annoying that TurboTax & TaxAct don’t update their tax calculators until mid-late November, so perhaps my spreadsheet can fill the void for someone wanting … Read more
So you want to be a millionaire? Introduction I know quite a few people who are older and broke. Given the extremely favorable market returns over the past many decades, I find myself having little sympathy for such individuals. The purpose of this blog post is to see whether my lack of sympathy is … Read more
A few weeks back I indicated that it was a good time to refinance because: Rates are historically low, and For refi’s funded on/after December 1, there will be a 0.5% one-time surcharge to refinance which will make refinancing less appealing from that arbitrary date. Here’s what I ended up doing. I think it … Read more
My senator was among the unmasked buffoons at the September 26 White House super spreader event. Below is the email I sent him. Senator XXXX, I have a good deal of respect for you as a person. I’ve read your book and am generally supportive of your policies. I just read a NYT article in … Read more
Another month, another update. A few random comments. Good Reads/Listens/Watches GoCurryCracker on the NYT Trump tax exposé (link). The Daily (NYT) podcast episode with the authors of the NYT investigation (link). Bogleheads on Investing podcast episode with author Morgan Housel (link). My Octupus Teacher (link). The Dangerz, the inspirational full-time van-dwellers turned full-time sailors, recommended … Read more
I bought our house a little over 4 years ago. At the time of purchase, we got a 15Y loan with a 2.875% interest rate. Given how low the rate was, I didn’t think that refinancing a mortgage refinancing was going to be viable. I was mistaken. There are several great Bogleheads threads on the … Read more