Personal Consumer Issues • Home Purchase - Catastrophic Weather Events
I'm probably less than 35 years from dying. In the next 35 years, Minnesota winters will still be frigid, there will still be flooding all over the country, there will still be droughts all over the...
View ArticlePersonal Consumer Issues • Getting rid of stuff
Excellent thread. Been overwhelmed for quite a while. Made some progress but then after several months went by, I went back into the room I was 'doing' and forgot which bag was which and so on. Ugh....
View ArticlePersonal Consumer Issues • Security checklist
"Recommended to use something like Google Voice for 2FA to thwart any SIM hijack attacks"Is Google Voice more secure than using a cell phone company number?Most people have multiple devices (desktops,...
View ArticlePersonal Finance (Not Investing) • Inherited IRA and Secure Act Rules
... EDBs use their own age for the initial life expectancy factor and then subtract one from that in each succeeding year.... There is an RMD calculator on the Vanguard website that does appear to...
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Personal Investments • Why companies don't allow post-tax 401k contribution?
"Yes". In essence, they are effectively the same as "taxable" gains, where the length of the holding will determine if they are "short" (ordinary) or "long" (capital) gains - and thus which taxation...
View ArticlePersonal Investments • Tax Efficient Asset Location in Low Tax Brackets?
I’ve been reading many threads here about the advantages and (in the opinion of some) disadvantages to tax efficient asset location. It seems like much of these conversations presume a high tax...
View ArticleInvesting - Theory, News & General • Gary Smith: LLMs Can't Be Trusted...
LLMs use a vast database of human generated content to predict answers and the language humans would want to read them in. But the problem is that we humans are quite fallible. So a computer trained...
View ArticleNon-US Investing • US resident with INR(rupees) where to invest.
I'm a little confused. Aren't Forms 15CA/CB just declarations (that are also attested by a CA)? If you had this money in your account for more than 3 years shouldn't that satisfy the tax authorities...
View ArticlePersonal Consumer Issues • Has Google Assistant become dumb or am I doing...
It used to work great for years. But seems last few months it keeps stumbling on the most basic requests. For example this request:"Create reminder for next week at 2PM for health insurance"This...
View ArticleNon-US Investing • Reduce taxation of 401(k) by conversion to an annuity -...
Thanks for your messages. Unfortunately becoming a US citizen does not seem an option if you are not a green card holder and living in the US for several years. Hence my looking for alternative ways...
View ArticlePersonal Consumer Issues • Loaning to a friend
I would be more worried about losing the friendship more so than never receiving the money. Even if you expect to not get the money back from your friend, inevitably the friendship will face issues if...
View ArticlePersonal Consumer Issues • Summer Reading - Teenage Boys
Books by Alistair MacLeanExamples of my favorites...Fear is the KeyThe Guns of NavaroneWhere Eagles DareStatistics: Posted by zincTwo — Thu May 30, 2024 2:33 am — Replies 62 — Views 3839
View ArticlePersonal Investments • [What Should I Invest In? Bank Investment Plans or On...
For myself, 34 years of investing Dollar Cost Averaging 18k total contributions were 630k, retired 8/2021 (61) with 2.69 million currently sitting over 3 million.No pain no gain Op best invest in Roth...
View ArticlePersonal Finance (Not Investing) • Larger downpayment or not ?
For your last question I think you would want to do a Cash out refinance to regain some of that cash you paid upfront.Statistics: Posted by mortfree — Thu May 30, 2024 2:47 am — Replies 1 — Views 119
View ArticlePersonal Finance (Not Investing) • ACA Health Insurance for a son(Non tax...
Good catch, thank you.I guess there's option 4, go uninsured, but I'd also guess that Bogleheads would generally recoil at the thought of that. Or option 5, buy an ACA policy and just don't get any...
View ArticleInvesting - Theory, News & General • Low fee direct indexing options
Let us assume direct indexing is tracking S&P 500. After N years of direct indexing and TLH, you are left with M stocks from S&P 500 or whatever. I change my mind now and want to go back to...
View ArticlePersonal Consumer Issues • Albuquerque 5 days
Lots of good info here. I'd add the Telephone Pioneer Museum. I went mostly as a goof, but it was really interesting, largely because of the docents.Statistics: Posted by Minty — Fri May 31, 2024...
View ArticleInvesting - Theory, News & General • Inherited S-corp stock basis
The troublesome part is figuring out the per-share price since it's not publicly traded. Does the bank assist with figuring out the valuation?Statistics: Posted by llin — Fri May 31, 2024 12:47 am —...
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
I think I have some fundamental misunderstanding of how TPAW work, maybe you can help me.I was simulating a few examples with about $3mil net worth, immediate retirement scenario. The one thing that I...
View ArticlePersonal Finance (Not Investing) • Does an estate have to pay CGT on precious...
Yes, both Australia and Canada can be a little tricky in google searches, in part i guess because both use dollars (although their $$$ are not worth the same as our $$$). And of course Canada often...
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