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Investing - Theory, News & General • [WSJ article: Vanguard’s Die-Hard...
A reasonable number of free phone calls per year (say 20). Beyond that perhaps some people should take a class on how to use the internet, get a full service advisor, or invoke their financial power...
View ArticlePersonal Finance (Not Investing) • 2024 Roth Conversion in 24% marginal tax...
My assumption that retirement tax rate would be lower than while working was completely wrong. We are retired and in early RMD stage (MFJ) and in the 24% federal tax bracket. These threads discuss...
View ArticlePersonal Consumer Issues • Basic laptop for home use
I use the Office 365 subscriptions available at Costco.Statistics: Posted by elcadarj — Thu Jul 11, 2024 10:17 am — Replies 18 — Views 654
View ArticleInvesting - Theory, News & General • Buy, sell, or hold my Microsoft...
Still holding, with $80,000+ in LTG. Fortunately all my individual stocks are held in my TIRA, so no tax worries when I finally do sell some part or all of them.Broken Man 1999Statistics: Posted by...
View ArticleUS Chapters • Post your Financial Milestone Announcements Here
New All Time High 2.833 million since retired, at 63 with pension.YTD 32.71%, 12 months 31.38%, AA 87/13Hi retire2022 - Incredible return and you should be proud you have “enough” as Jack Bogle would...
View ArticleInvesting - Theory, News & General • An interesting way to think about...
We know that every dollar in portfolio value can support a 3-4% SWR.Then doesn’t it stand to reason that one should not pay off one’s mortgage early if the annual principal + interest payments are...
View ArticlePersonal Consumer Issues • Sewage Spill
I don't think insurance would cover this since it could be considered lack of maintenance in keeping your drainage unplugged.Statistics: Posted by celia — Fri Jul 12, 2024 10:14 am — Replies 2 — Views...
View ArticlePersonal Finance (Not Investing) • retirement planning with strange twist
You already know the obvious— that you shouldn’t count on any inheritance given the uncertainties surrounding financial markets, life expectancies, and end-of-life care.Have you checked with him &...
View ArticlePersonal Finance (Not Investing) • NFCU now offers 2% unlimited cash back Visa.
I think the 2% card is the Signature Flagship. It is our primary card. Has $49 annual fee but has uncapped 3% back on travel plus reimbursement of Amazon Prime and Global Entry/PreCheck fees.I have...
View ArticlePersonal Consumer Issues • Comfortable shoes that don't look horrible? Are...
My walking shoes are TOPO trail runners. Pretty much always in these. I’ll wear Grant Stone boots for casual. A stealth wealth look would be Crown Northampton Shoes if you want to burn money....
View ArticleInvesting - Theory, News & General • The Perfect Portfolio
A point that doesn't get made often enough is that John C. Bogle never recommended a 5% allocation to what he called "funny money" (not "fun money.") He only talked about it in the context of how to...
View ArticlePersonal Consumer Issues • Termite Treatment Options
You can treat the perimeter yourself by applying liquid pesticide into the ground through a Ross Root Feeder, up to three feet deep.Statistics: Posted by popoki — Fri Jul 12, 2024 10:24 am — Replies 9...
View ArticlePersonal Investments • Characterizing if SORR Materializes
In the past in the US, when has SORR reared its ugly head? How could it be mitigated? WHO is affected by SORR? I believe that this is one of those Boglehead issues that is great for debate, like asset...
View ArticlePersonal Investments • Solo 401k or SEP IRA for Short-term Consulting Gig?
A follow-up question -- the max SEP IRA contribution is calculated this way (as a percentage of net income less 1/2 of self-employment tax) because the LLC will be taxed as a sole proprietorship,...
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Personal Consumer Issues • Converting .csv to .qfx files?
After setting everything up at Fidelity in a Cash Management account, I just learned to my chagrin that the transaction downloads are apparently available only in .csv file format. So much for my...
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Personal Consumer Issues • How Often Is Your Credit Card Compromised?
Our primary card winds up being compromised every other year or so. When we had two occurrences in 2 months, I came up with a strategy I thought would be helpful, though it didn't actually pan out.My...
View ArticleInvesting - Theory, News & General • Cash is a terrible long-term investment
Discussing cash as an investment, on its face, seems odd to me.You’re making over 5% nominal with no interest rate or credit risk.Yes I am. And I have significant re-investment interest rate risk. Its...
View ArticlePersonal Finance (Not Investing) • SSA now requi-Login.gov or ID.me acct...
All this Login.gov hate is really funny, they are probably the best example of the government doing something right and arguably better than the commercial venders like Okta. It was a project out of...
View ArticleNon-US Investing • Chinese Bonds - AGBP Global Bond ETF GBP Hedged
I also prefer the scaled and hedged index that the Vanguard etf follows, that has drastically less china bonds. That being said, it is not a case of concern. If you feel more comfortable with less...
View ArticlePersonal Finance (Not Investing) • Is there a such thing as Personal Finance...
Dave Ramsey is your guru for this. He'd tell you not to put $500 down on a car...ever. LOLLots of videos of him on You Tube and you could likely find his Total Money Makeover book cheap second hand....
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