Personal Investments • How many months cash for retirement income?
living off Social Security and ~3.6% year withdrawals (at the current balance) from our conventional IRAs which have averaged 6.5% returns over the past 10 years. We currently have 15 months income in...
View ArticlePersonal Finance (Not Investing) • Question about car loan for daughter
Out of curiosity, why not more than 30% of the limit? Credit score models look at utilization, which is the percentage of a credit line you are using. They look at it in the aggregate and per-card....
View ArticleInvesting - Theory, News & General • Treasury Direct e-mail: undelivered...
Let's approach this scientifically, meaning formulate a hypothesis given what we know, then test that hypothesis empirically with experiments.IntroductionThe TD site on gifts does not mention limits,...
View ArticlePersonal Finance (Not Investing) • Aca subsidies - (fallen ill - Retire now?)
Questions:1. Does retiring now sound like it makes sense? It sure does to me.2. Their taxable income is going to be 120k this year (and was around that last year), everything I'm reading online...
View ArticlePersonal Consumer Issues • Bad car rental experience: Fidelity CC to the rescue
Like others in the thread, I always video the car when I pick up and return. I take pics of damage that I notice. I also take a pic of the gas and mileage. I feel that the return video taking also...
View ArticlePersonal Finance (Not Investing) • Do you use the perks of a higher tier...
Sapphire Banking is nice for the unlimited international ATM rebates and no foreign exchange fee, free checks for the one time you’ll order them, mostly all free bank services, and the US based...
View ArticlePersonal Finance (Not Investing) • Life at a crossroads [Should I take this...
You should determine how important FIRE is to you. Today, is it more important than quality of life/location? If so, determine what’s your number to reach FIRE. Determine how soon you could reach that...
View ArticlePersonal Finance (Not Investing) • Roth conversion in retirement.
In my case, this "sufficient amount" to convert will need to occur in 2025 in one swoop, and will trigger a 32% marginal tax rate (or 21% effective) in addition to the LTCG @ 15% plus 3.8% NIIT plus...
View ArticlePersonal Consumer Issues • Buenos Aires and montevideo
It's been years, but we actually flew into Montevideo rather than Buenos Aires to avoid the $140 visa fee for coming in to Argentina. We then went around Montevideo for a couple of days. I quite liked...
View ArticlePersonal Consumer Issues • Desktop Monitor - 1440 or 1080?
I agree with the post above.For a small monitor (24" or less) you'll want 1080p.For a 27" monitor 1440p is a perfect resolutionFor a 32" or larger monitor 4k is a good resolutionStatistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Taking Social Security - My realization
100% thinking of SPENDING much more while we're able to in early retirement than is budgeted.Even with increased spending from IRAs, we're going to wait to collect SS as late as possible.Even if it...
View ArticlePersonal Consumer Issues • Recommendations for low-profile/height hybrid heat...
If you’re having a hard time finding a HPWH to fit an unusual space, there is a heat pump that works as an accessory unit. It recirculates water through an existing tank via a small pump. Uses the...
View ArticleInvesting - Theory, News & General • HSA Bank eliminating investment options
I'm trying to figure out what the fees, separate from the fund expense ratio, are for leaving funds with Devenir. The underlying Vanuguard fund at Devenir has an ER of .04%. I have about $17k there....
View ArticlePersonal Finance (Not Investing) • Considering asking for old job back
I used to be a manager.I had a "boomerang employee" leave and return. As long as they left on good terms (giving notice and not sending an inappropriate exit email) we love returning boomerang...
View ArticlePersonal Finance (Not Investing) • Healthcare coverage for daughter turning 26
I am on an ACA plan in California. One of my friends is on Medi-Cal. We have the exact same medical group (Kaiser), except I pay $400/month to get a $7000 deductible, and she has zero premiums,...
View ArticlePersonal Consumer Issues • Two recalls issued for recent Honda vehicles
I'd humor you but your response is irrelevant to the matter of DI and blowby.Statistics: Posted by RationalWalk — Sat Oct 19, 2024 11:24 pm — Replies 45 — Views 3243
View ArticleInvesting - Theory, News & General • VIG & VIGI: What's the catch?
It’s still larger than the S&P 500 dividend yield. What matters is not dividend yield but the ability to grow dividends in a bear market.I’m not sure what statement of mine you are arguing...
View ArticlePersonal Finance (Not Investing) • Which major banks and credit unions offer...
A WF 'ATM' card does not work out of country. Prime or Premier status does not change that. I didn't say Premier status was a factor in whether it works or not, only that the fees are different.I have...
View ArticlePersonal Consumer Issues • Rice cooker recommendations?
Gosh. I'm using an "Aroma" rice cooker that I paid $19.99 on sale. I'm single so not making big batches of rice. It cooks white rice on the "rice" setting. It cooks brown rice and quinioa on the...
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Personal Finance (Not Investing) • aging-at-home vs nursing home for the kinless
I am living in a 55+ condominium community. Everyone is able bodied. Nice folks. There is a book club and mahjong group. The men are starting a poker group. Once a month social. Holiday party. It...
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