Personal Finance (Not Investing) • Can we afford a $1.75M house?
hey folks, just to close the loop - we purchased SFR in West SJ end of last year for 1.7M. Just refinanced it to 5% 7ARM last week. Overall it was tough year cash wise so far, but we are supper happy...
View ArticlePersonal Investments • Did I mess up my backdoor Roth?
I am curious why you picked $7500? From the IRS website:"The limit on annual contributions to an IRA increased to $7,000, up from $6,500. The IRA catch‑up contribution limit for individuals aged 50...
View ArticlePersonal Consumer Issues • what Android texting app do you use?
The change over to Goo-Messages went very smoothly on both my and DW's phones.Statistics: Posted by RetiredAL — Sun Oct 06, 2024 10:28 pm — Replies 5 — Views 253
View ArticlePersonal Consumer Issues • How much to budget for uk trip ?
We did 12 days in Europe last summer (London/Paris/Amsterdam) with two kids of similar age and total cost ended up around $15k. We didn't skimp, but also weren't extravagant. Coach airplane seats,...
View ArticlePersonal Finance (Not Investing) • Not seeing the value in maxing 401k
Another vote for continuing with the current savings rate for either retiring sooner, or spending extra on larger Roth conversions in early retirement, or both, depending on future returns. You only...
View ArticlePersonal Finance (Not Investing) • The problem of procastination in investment
I haven't figured out how to influence people…. I figured out a long time ago that the only person I can control is me.Statistics: Posted by Stinky — Sun Oct 06, 2024 10:37 pm — Replies 7 — Views 403
View ArticlePersonal Finance (Not Investing) • Cash gift from overseas parent
Thank you 123.Statistics: Posted by zen_invest — Mon Oct 07, 2024 10:13 pm — Replies 4 — Views 223
View ArticlePersonal Investments • Egregious Financial Advisor Mistake - Help!!
I would not call this Egregious... Tax-preparers often miss these things... It's on the tax payer to know the laws and ensure they are being abided by. He needs a more full service accountant who...
View ArticlePersonal Consumer Issues • Anyone have a 2014 Toyota Camry?
How about a Corolla in the 2014-2016 range with lower mileage as opposed to my 2021 Camry?It all depends on your budget and the price and they might cost somewhere around half of what a new one would...
View ArticlePersonal Consumer Issues • New car dealers still adding premiums to price?
Some dealers install a GPS tracking device and service as an addon, so that is a case where you may insist on it being physically removed even if it's $0.Statistics: Posted by Makefile — Mon Oct 07,...
View ArticlePersonal Consumer Issues • Getting Euros
Don't overthink this. And forget getting currency before you go, it's not 1985. 99.99% of of the time, the best solution is to simply use your ATM card (ideally one that reimburses ATM fees) at a...
View ArticlePersonal Finance (Not Investing) • Gift Tax: Married Couple Gifting to Children
Can one gift it to a joint account created with the child? I would still want to have access to the account, in case I want to claw back some gifts in the futureThe way joint accounts and gifting work...
View ArticlePersonal Consumer Issues • Ridiculous Rent Increase. Normal?
I have several friends who are long time tenants with small landlords with quirky personalities. They have, of necessity, become expert on our state and city laws regarding rental housing and can...
View ArticlePersonal Consumer Issues • Buying a used car: what's your limit?
In 2007 bought a 1995 Honda Accord with 145,000 miles on it. Drove it for probably 40,000 miles until 2013, when it was replaced with a 2004 Honda Accord with 123,000 miles on it (but still only...
View ArticlePersonal Investments • Where to set up an Roth IRA
Here's something you should know. When you invest by having contributions withheld from your paycheck, the employer/ plan controls who the custodian is. They can also change the custodian when...
View ArticlePersonal Consumer Issues • "What did you do today that was a good...
I spent the day playing basketball. About $200/year for league fees, and a pair of $100 shoes each year, to do something both healthy and fun 3-4x per week.You are how old and playing 3, 4 league...
View ArticlePersonal Finance (Not Investing) • Fidelity NetBenefits account hacking
I don't understand how having a landline associated to your Fidelity account is a risk. I have both a landline and cell phone with Fido. On the occasions when SMS didn't work or was S-L-O-W, the "Call...
View ArticlePersonal Consumer Issues • Good decisions that paid off for you 60, 70, 80, 90+
Buying one of the least expensive houses around in 1982 that I could afford to buy with no mortgage (thanks to a gift from my father for half the price of the house): House sold for $30,000. $98,000...
View ArticlePersonal Investments • Why are my Vanguard bond ETFs all down?
- I hired a fiduciary financial advisor (whom I researched beforehand very well, checking his credentials, his standing on FINRA as well as state regulatory agencies, and more) for a one-time plan,...
View ArticlePersonal Consumer Issues • Does Interest Compound Daily in VMFXX?
Paid Monthly - Accruing DailySold Friday. Goes into settlement account till Monday.Thanks. I can't check my account at this time. Settlement account is a money market account? Means I will earn...
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