Personal Finance (Not Investing) • IRMAA and Capital Gains on Home Sale in...
If the appeal is granted, I'm not really sure it matters. They will use his 2024 MAGA for the 2025 IRMAA determination and then use the 2024 for the 2026 IRMAA determination. His 2025 income will then...
View ArticleInvesting - Theory, News & General • How To Spend More Early in Retirement
As Ben said it’s trivially easy to model exactly this with tpawplanner.comStatistics: Posted by ScubaHogg — Thu Nov 28, 2024 8:15 am — Replies 17 — Views 3566
View ArticlePersonal Finance (Not Investing) • Sense check: extra payments against debt...
OP,What is the price of your house?If you have to take a HELOC to renovate your house, it means that your emergency fund is too small.I would recommend you increase your emergency fund...
View ArticleInvesting - Theory, News & General • Why not 100% PSLDX? [PIMCO...
No, it's not. Million dollar minimum and $19.99 fee in brokeragelink. Once you have some, you can buy and sell whatever you want. $19.99 each time you buy.Gross. Thanks for confirming!Statistics:...
View ArticlePersonal Investments • Why do you think the Vanguard Target Fund is so tax...
...let's say you say the tax ratio is 1%, you subtract that from your return, so if you fund return 10%, then a 1% tax ratio means your return is reduce to 9%. That doesn't seem to match up with the...
View ArticleForum Issues and Administration • Please Try Out Test Posts Here
FWIW, this approach is described in the Bogleheads wiki article on Posting images in the Bogleheads forum.Thanks! I missed that posting and dumbly (on my part) re-created the wheel. Thanks again!You...
View ArticlePersonal Consumer Issues • Looking for Desktop Recommendation....
I purchased a Dell PC through Costco just after this thread was posted. It did not arrive when scheduled, probably related to Thanksgiving. I noticed that the purchase includes "free" McAfee and...
View ArticlePersonal Consumer Issues • What Are Your Favorite Podcasts? And Why?
My top ones are mostly the same. Ezra Klein and Planet Money, and NYTimes' The Daily is also pretty high up there as well. Vox's Today Explained also has some pretty good episodes.Blowback is a really...
View ArticlePersonal Investments • How and when to pay taxes on December Roth Conversion?
Paid 100% of taxes for 2023.None for 2024.Statistics: Posted by Alaska_Skeeter — Thu Nov 28, 2024 8:24 am — Replies 4 — Views 98
View ArticlePersonal Investments • Money market in inherited IRA
Usually, the RMDs for inherited IRAs are quite small compared to the balloon payment you'll be required to take when you drain the account at the end of the holding period. Is this OK with you, or do...
View ArticlePersonal Finance (Not Investing) • Primary account holder not paying credit...
Curious what the issue is as the only authorized user on any card I have would be a family member in my own house. Would not be hard to track down or ask about said bill payments...OP can chime in but...
View ArticlePersonal Consumer Issues • Medicare Supplement Plan G vs Plan N?
We've been on Plan N since signing up for Medicare, 7.5 years ago. I've found that most doctors and specialists don't add the extra charge, which if memory serves is 15% of the charge that neither...
View ArticlePersonal Finance (Not Investing) • TurboTax 2024 software offer
I got that deal in the week between xmas and new years last year.Statistics: Posted by jcpct — Fri Nov 29, 2024 8:10 am — Replies 130 — Views 15546
View ArticlePersonal Investments • 20 years with same asset allocation -- thinking of...
You should rewrite your IPS, with a chapter on the history of what you did 18-40 to get you here. From this updated IPS is where you arrive at either a new or same asset allocation, among other...
View ArticlePersonal Consumer Issues • Your favorite slippers
Have never owned slippers. Shoes seem to work fine both indoors and out.Ditto, especially since I live in Florida.Bare feet inside the house.Not so good for those with foot issues, such as heel spurs...
View ArticlePersonal Investments • Portfolio Plan Check
With a marginal tax rate of 32%, doing Roth conversions of all tax deferred balances now and making Roth (rather than traditional) retirement contributions doesn’t seem optimal. Doing mega backdoor...
View ArticlePersonal Finance (Not Investing) • Seeking Advice - Dad buying a first car...
We ended up buying our kids new Honda Accords as recent-year used models were scarce and almost as expensive as new. The plan was for the cars to last through college and first job. They are still...
View ArticlePersonal Investments • Strategy for employee stock purchase plan (ESPP)
No look back provision. As we're still participating on ESPP (similar deal with OP) will always have a ST 3-month, 6-month and 9-month ones.Do you have a minimum holding period?Statistics: Posted by...
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Investing - Theory, News & General • Bill Sharpe's preferred portfolio
This post documents the monthly return and asset-class weights as of March 31, 2024 of the (free-float) Global Stock-and-Bond Portfolio or, if you prefer, William Sharpe's Market Portfolio. Here's a...
View ArticlePersonal Finance (Not Investing) • Help me budget for 2025
What are you trying to accomplish? I make a budget to control my spending. Are you looking to cut back expenses? You save 50% of your take home pay already.If you are trying to cut back, slash...
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