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Personal Investments • Roth Conversion Advice
My spouse and I retired a few years ago at age 58 with $4M in tax deferred accounts. We had company provided health insurance for the first 2 years post retirement, along with a decent amount in...
View ArticlePersonal Consumer Issues • Mailbox WiFi Sensors
Is your mailbox on the house next to the front door, or is it on the street a hundred feet away, like ours?Statistics: Posted by 22twain — Sun Dec 24, 2023 12:56 am — Replies 12 — Views 1134
View ArticlePersonal Finance (Not Investing) • Ethical dilemma - restaurant gift card
It is hard to follow the post. Can the card be used anywhere else?Ethically I see it this way, if the card has not been used prior to these two meals you are owed $70. The first meal was comped, you...
View ArticleInvesting - Theory, News & General • Disadvantages of Using SGOV as a...
I decided to use STIP (or VTIP) for short term savings/emergency fund.Keeps up with inflation.Generally 100% state tax free.STIP has dirt cheap ER of 3 bpsJust as easy to trade as SGOV.Replacing my...
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Personal Finance (Not Investing) • Share your net worth progression
Dual income family (we are in our early 40s). 2 elementary aged children.2015: 1,100,0002016: 1,430,0002017: 1,720,0002018: 2,780,0002019: 3,540,0002020: 4,550,0002021: 5,190,0002022: 4,930,0002023:...
View ArticlePersonal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?
Finally, and I’m sure it’s been said here many times, science is science. Even though you pay off cc’s every month, it has been studied many times and you naturally, and unknowingly spend more. To...
View ArticlePersonal Investments • Should I Super-Size my Mega-Backdoor Roth?
There are a few cases where taxable beats roth such as tax losses used against ordinary income then later the shares are donated or inherited with step up so no taxes are paid but in general roth is...
View ArticleInvesting - Theory, News & General • What is Your Biggest "Good...
Charitable donations are limited in solving problem of taxes on RMDs and capital gains, and income pushing the IRMAA threshold. Donations have limits of $100k for QCDs from IRAs and only 30% of income...
View ArticlePersonal Investments • How many brokerage accounts do you have?
Post Tax regular brokerage accounts I have 2- Citi Personal Wealth Management - I have about $275k in $VOO in this account, reinvesting dividends. I keep this to get CitiGold status which is a no...
View ArticleInvesting - Theory, News & General • The variable annuity advantage -...
No need to make this so complicated. Invest in I Bonds which offer tax deferral for up to 30 years and are free from state and local taxes.It appears that the OP wishes to invest much more per year...
View ArticlePersonal Consumer Issues • Do we have any art connoisseurs here?
Sorry my question is what are the thoughts on the market for street artist Banksy?Undervalued? Overvalued or in line? Expect appreciation? Has he worn thin? What does the future hold?Basically trying...
View ArticlePersonal Investments • 100% Equities for 30 years?
Statements such as "results are very sensitive [or not sensitive] to start and end dates and we only have two independent 30 year periods to consider" are good information. Statements such as "this...
View ArticleInvesting - Theory, News & General • A Christmas Message
Bogleheads:When we arrived in Bastogne, Belgium a few days before Christmas 1944, I was ordered to dig my foxhole in the front yard of a large house. I immediately started digging with my combination...
View ArticleInvesting - Theory, News & General • Rich Author, Poor Readers - Ben Carlson
Mr. Bogle is famous for figuring out a way someone who is not smart can still get a fair share of results from investing, by buying the index and holding. So we do not control. We buy the whole thing,...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
A thought experiment.Looking at the composition of VT (https://investor.vanguard.com/investmen ... omposition), the US constitutes 61% of the index as of today, with the remaining 39% of market cap...
View ArticlePersonal Consumer Issues • Streaming of CFP Playoffs
At our primary residence, we've got Xfinity TV and Internet. At a secondary residence, we've got internet (not via xfinity) only, but no cable TV. The Xfinity Streaming App (+ amazon, netflix, etc)...
View ArticlePersonal Finance (Not Investing) • Tax Planning Question 2023: make...
FiveK, Nat79Thank you both for your informative responses. I think I have a clearer understanding of our situation now.Statistics: Posted by WinstonTeracina — Mon Dec 25, 2023 1:19 am — Replies 4 —...
View ArticlePersonal Finance (Not Investing) • Is Solar Worth It?
With $100 monthly electricity bill most likely it makes no sense.It all depends on the cost.$100/month is cheap, but that's still $1200/year.If I can get a set up that reduces that to near 0 for half...
View ArticleInvesting - Theory, News & General • [Vanguard Class Action Lawsuit Over...
So, it looked like a business decision by Fidelity to change funds. And it looks like I made an embarrassingly incorrect prediction concerning Vanguard afterwards. Although in Vanguard’s case it was...
View ArticlePersonal Consumer Issues • Does a SUV have more utility than a sedan?
(a) SUVs are for people who need a station wagon, but "sport utility vehicle" sounds cooler.(b) SUVs are designed to give people a feeling of being big and powerful (for those who need to feel...
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