Personal Investments • Combining retirement accounts
Our plan is to combine all possible accounts to as few as possible after retirement. One HSA each. One TIRA each. One Roth each. One joint taxable account.Statistics: Posted by Mike Scott — Fri Jul...
View ArticlePersonal Investments • Should I sell or continue to rent it out?
Counterpoint:There are no guarantees that selling and putting the money into a Stock Market Index / Bond Index asset allocation outperforms your rental in year 2025, 2026 etc. So before selling...
View ArticlePersonal Consumer Issues • Banff/Jasper itinerary for June 2023
That rail link from Prince Rupert BC (bottom of the Alaska Panhandle) is a strategic route for containers to Chicago (it is actually closer from Japan to Chicago via that Great Circle route, than via...
View ArticlePersonal Finance (Not Investing) • College counselor/consultant
A few thoughts. I would not hire a college counselor until the beginning of junior year at the earliest. It's quite easy before then to prepare for college, choose the hardest classes and do very...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Which offer were they able to match?A quick Thank You to the posters on this thread! I just received my Schwab bonus for depositing funds I was intending to deposit anyway. At the time, Schwab had no...
View ArticlePersonal Investments • Retirement by age 50
Looks to have hit "Submit" prematurely.Statistics: Posted by gatorking — Fri Jul 26, 2024 12:31 pm — Replies 3 — Views 224
View ArticlePersonal Finance (Not Investing) • Applying for Medicare on Spouse's record
My wife is on my SS account. A couple of months before turning 65 I called the local office and we were given appointments about 6 weeks out or so. They called on time and all went...
View ArticlePersonal Finance (Not Investing) • Minimum W2 Salary Requirement for IRA /...
Have you included your Schedule C income from weddings, funerals, revivals, and other clergy-related income that is separate from your W-2?Yes ... but good catch. That would have brought it up to...
View ArticlePersonal Investments • Pay off mortgage to free up room for a Roth conversion?
Does not sound like a good plan to me.I annually move dollars into Roth status at federal tax cost of 12%, or less.This is a lot like saying you only buy burgers at $1.99. I've seen this exact comment...
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
"The Player" - 1992. Streamed on the Criterion Channel.Robert Altman directs Tim Robbins, Greta Scacchi, Fred Ward, Cynthia Stevenson, and dozens of Hollywood stars in a highly self-referential...
View ArticlePersonal Investments • Taxable vs. Non Taxable - Active Funds
I think you know the answer. You can pick Wellington in a taxable account if you are willing to pay the taxes. If you want to know the actual cost, you need to do a complete mock tax return and add...
View ArticlePersonal Investments • Vanguard Personal Advisors
It seems that many responses to this thread bemoaning PAS' "lack of flexibility" are reflective of disagreement with Vanguard's investment philosophy. PAS portfolios are managed with reference to...
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Personal Investments • Portfolio Advice Please for Potential Long Early...
$180K/$7000K = 2.6%. Seems a Safe withdrawal rate if you simply keep doing what are doing.Thank you. What I've been doing has indeed worked but the very large majority of my assets are from active...
View ArticlePersonal Finance (Not Investing) • LLC For various non profit/board/advisory...
I would first: look at the Volunteer Protections Act, find out what my personal liability covers and also ask them what D&O insurance is in place.My general sense from speaking casually with...
View ArticlePersonal Consumer Issues • Solar: how do you ever break even?
We are getting quotes for solar. After rebates, we're being told it'll cost anywhere from 15-20k, installed. So what peak kw capacity? And, checking on the various websites online (I believe NREL ie...
View ArticlePersonal Finance (Not Investing) • Bank of America Premium Rewards Elite?...
A few questions: First of all, how do you get 3.15% on any BofA Card? Frankly I'm looking at this from a "pays a lot of Federal income tax" perspective. I currently use the 2.625% card (and pay 1.82 %...
View ArticlePersonal Consumer Issues • Can We Afford a Disney Cruise for Our 50th Birthdays?
What's the point of this post?On 3/9/23, DidItMyWay wrote: "please report back to let us know how it was." I was doing just that. Also, I thought the breakdown of the actual costs might be helpful to...
View ArticlePersonal Investments • Should we stay with total bond fund (BND) or move to...
[T]he "protection" wasn't considered worth the cost in lower dividends.Note that regular bonds already have expected inflation factored into their price. (Otherwise, who would buy them?!) I knew that...
View ArticleInvesting - Theory, News & General • The host is in the hot seat on this...
This is a great episode. David Baughier is a very good interviewer, as is Rick Ferri: ask a good question then shut up. Let your guest do the talking.Statistics: Posted by rbwb — Sat Jul 27, 2024...
View ArticlePersonal Consumer Issues • Questions to ask during minisplit quote
Wow, I know one can get ripped off by contractors but ... Jeez, $20K to install a 3-head system that has $5K worth of parts, half a day labor? That's just insane. We just bought a 1200sf house with...
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