Personal Finance (Not Investing) • What is best way to accept rent payments...
I'm no longer a regular LL but still own a professionally managed short term rental property. The property manager sends a bank to bank transfer. Fortunately we bank at the same bank and can't...
View ArticlePersonal Investments • Is there such a thing as diversifying your portfolio...
Over-dilution can be done if you are enamored by the Callan Periodic Table. As the owner of a 10 x 10 portfolio that includes commodities, gold, and emerging market exposures for a few decades, I...
View ArticlePersonal Finance (Not Investing) • Mom diagnosed with PD, wondering about...
and baffling in others (such as requiring an in person visit to the PCP to refill a prescription for a drug that has been part of the regimen for 15+ years). So different institutional obstacles.My...
View ArticlePersonal Investments • Bonds in Roth IRA in early retirement
You could certainly do that. I would personally probably keep equities in the Roth and bonds in a tIRA, and then if I want to take money from bonds, I'd sell bonds and buy equities in the tIRA, and...
View ArticleInvesting - Theory, News & General • How do you think about longevity?
Interesting NYT times article here: https://www.nytimes.com/2024/07/13/your ... =url-shareJonathan Clements, a long time personal finance columnist for the WSJ. Did many/all of the things espoused on...
View ArticlePersonal Consumer Issues • Dr.Peter Atia's book...Outlive
At the end of the day, I think anyone doing the all-the-way Attia stuff is going to be in great shape. Truly. And so I would not criticize anyone for getting really fit and strong and taking great...
View ArticlePersonal Finance (Not Investing) • ACA, poverty levels, Roth conversion for MAGI
What is preventing the less scrupulous from low-balling their estimate for CSR benefit? Other than having to true up on PTC at tax time -- money they would've owed anyway?Assuming I'm describing it...
View ArticlePersonal Finance (Not Investing) • Most secure and most private way to buy gold
If you (for some reason) think that we are at risk of a repeat of Executive Order 6102 then none of these measures will help much as even if you have the metal you won't be able to sell, trade, or...
View ArticlePersonal Investments • Is there a sweet spot for Roth conversions?
Please can someone make is easy to follow…When to do Roth conversations ?Was thinking to ask the same so following this discussionDoes Whether, when, and how much to convert help? Thanks will...
View ArticlePersonal Finance (Not Investing) • Should I really keep old credit cards open?
As you've surmised credit scores are one of those things that don't really matter after a certain point. Probably the closing of one of those cards would not cause your score to drop below 800 and...
View ArticlePersonal Investments • Roth conversion or not?
Roth accounts are open now for me and wife, with a $0 balance in each.Is a conversion as simple as moving funds from a tIRA to the Roth, or is it more complicated?At Fidelity, their standard "move...
View ArticlePersonal Finance (Not Investing) • Bad financial advisor
Is this a joke post?My apologies if it's genuine.So many wrong moves. 'they liquidated my $89k Vanguard Money Market Admiral fund to buy all ETFs without any consultation.'Without consultation?'They...
View ArticlePersonal Finance (Not Investing) • Career Advice (pharma industry)
I hold a PhD from an Ivy League institution and have a decade (precisely 10 years) of experience in leading roles at major pharmaceutical companies, culminating in my current position as a Principal...
View ArticleInvesting - Theory, News & General • Quick review of RightCapital
Is RightCapital available by subscription to individuals for their personal use, or does access have to come through a financial professional?It's my understanding RC works directly with advisors."per...
View ArticlePersonal Finance (Not Investing) • Categorize Medical Insurance separately...
I track them separately. In some tax situations, qualifying medical expenses, which does not include premiums, are used to offset income. Not a CPA, so there’s probably a better way to state...
View ArticlePersonal Consumer Issues • Android phone - software for a malware scan
With a smartphone, if I really was concerned, I would just copy all the photos off, and follow the proper factory reset procedure for my phoneStatistics: Posted by nalor511 — Thu Jul 18, 2024 12:06 pm...
View ArticlePersonal Consumer Issues • How long in advance do you book vacations?
Our current problem now is that my wife refuses to fly Boeing, so we have even fewer available options. And connecting is next to impossible as you might have an AirBus for the first leg, but then you...
View ArticlePersonal Finance (Not Investing) • Should I choose TIAA Retirement Choice...
Until you get the specific plan information, here's an example of a few schools' handouts:https://www.gvsu.edu/cms4/asset/614589D ... arison.pdfhttps://www.lclark.edu/live/files/26994 ......
View ArticlePersonal Finance (Not Investing) • Groupon won't send me a return label,...
I would attempt to refuse delivery and tender it back to the carrier and keep any applicable receipts. After delivery, an addressee may mark a piece of mail “Refused” and return it within a reasonable...
View ArticlePersonal Investments • What should i ask Social Security Office?...
I would not get advice from Social Security on your joint claiming strategy. They are knowledgeable of the mechanics and rules. Opensocialsecurity.com is an excellent source. You claiming at 70 in...
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