Personal Finance (Not Investing) • Advice for choosing second career
One word - plastics.Sorry. Couldn't resist. Would depend on a slew of factors OP. What you're good at, what you like, the degree to which you need/want to make money. After aging out of my corporate...
View ArticlePersonal Finance (Not Investing) • FYI-News reporting massive outages with...
There is no guarantee the system will come back up. There are cases (for whatever reason), there are systems which don't get rebooted for months or years. Things like hardware failures will magically...
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Personal Investments • Investment 10k
Hi,I recently inherited 10k and I would like to invest/grow it for retirement. I am 58 and I basically live paycheck to paycheck right now and really have nothing to look forward to as far as...
View ArticlePersonal Consumer Issues • Medigap Plan F question
My Plan F premium has gone up year after year. I am in Virginia and is currently with AARP United HealthCare Plan F.I would like to do a quick online comparison to find a cheaper company. A few sites...
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Personal Consumer Issues • Worth it to buy a Tesla?
It depends...We have two Model Ys that have never had a mechanical or electric issue.The oldest (2023) has right at 30K miles. The Tesla app data for that vehicle suggests our trailing yearly gas...
View ArticleNon-US Investing • In need of an official opinion from the IRS on my...
I appreciate all the work you did with ChatGpt. Thank you. However I would like to point out the mistake in this logic. As you are clearly aware, regular NRA's who have never had anything to do with...
View ArticlePersonal Investments • Pay off mortgage to free up room for a Roth conversion?
If the marginal tax rate at RMD age is 32% and you plan to work until retirement age this may make sense. The payment going to the mortgage payment could be now used to pay taxes on the Roth...
View ArticlePersonal Finance (Not Investing) • Experiences with Mint Mobile
I’ve had Mint for several years and am happy with them. I had Cricket Wireless previously. Cricket uses the AT&T network and I couldn’t get a proper signal from the first floor of my home....
View ArticlePersonal Investments • 26 y.o. looking for advice
Still, it is more than conceivable to end up in a higher post-retirement tax rate. I'm sure that we're not the only ones.Rocinante Rider,This statement is false. You are very much above average. Above...
View ArticlePersonal Consumer Issues • United Car Care Service Extended Warranty
Just purchased a new 2024 KIA Telluride. Standard warranty is 3/36 bumper to bumper and 10/100 powertrain. Dealer is offering extended warranty coverage thru United Car Care Service, Platinum Coverage...
View ArticlePersonal Consumer Issues • Your Amazon Prime Day purchases, please!
I signed up for Britbox; I took a photo on my camera of the page on my tv screen just before I accepted the offer to find where I need to cancel, in case it might otherwise be a hassle. I also put a...
View ArticleInvesting - Theory, News & General • How do you think about longevity?
A while ago I asked my dad why they began SS when they did. He said he'd done the breakeven math, and figured he'd never reach 84 or so to break even. The way I look at it, if I live a long time, I...
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Personal Consumer Issues • Fire Safety with Lithium Battery Power Tools?
All this talk about Li batteries for tools and safety with them being in very hot garages has me wondering.Aren't these the same garages where people are parking and charging their EVs? I believe...
View ArticlePersonal Consumer Issues • Best Ways to extend Life of Car
Yes, unfortunately it does come down to enforcement when some people simply can't be bothered to obey the law.Are you talking about left lane huggers, or those who exceed the speed limit or drive at...
View ArticleInvesting - Theory, News & General • A Simplified VPW Strategy
The VPW spreadsheet is very easy to use, so it would not take much to teach it to someone without a background in math, spreadsheets, or even retirement planning.That said, another easy method is to...
View ArticlePersonal Finance (Not Investing) • Should I apply for a new job?
Thanks to everyone for the feedback!I'm a heavy lean to not bother applying. Some more info:The new job would be more stressful, the flip side is that it could be more professionally fulfilling. I'd...
View ArticlePersonal Consumer Issues • Good Modern Science Fiction
Reading Revelation Space by Alastair Reynolds. Took me some time to get into it, as it's one of those dense books packed with names/details/technology/timelines/plots, but once over that hump, I'm...
View ArticlePersonal Investments • VIG (Vanguard Dividend Appreciation ETF) sole equity...
It’s a low cost large cap fund with 340 holdings. It is more than fine as an only holding. Plenty of diversification and quality holdings.Statistics: Posted by the_wiki — Sat Jul 20, 2024 11:31 am —...
View ArticlePersonal Investments • S&P 500 Index - diversification issues
The top 3 companies of the S&P 500 are 20% of the index.I think it should be a concern for anyone who has a 100% S&P 500 index fund portfolio.Only 38% of your portfolio is US large cap, and...
View ArticleInvesting - Theory, News & General • Tax efficient withdrawals and the...
In the abstract, you're right, but in the concrete, not so much: there are limits to how much money can be moved into tax-advantaged accounts, and therefore many people *do* have after-tax,...
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