Personal Finance (Not Investing) • How to self-finance a house post-retirement
I have often wondered: if a retired homeowner uses funds from HELOC on current home to pay for part of a new home (with plan to sell current home after finalizing purchase of new house), do...
View ArticlePersonal Investments • 401k John Hancock Fund Advice
The Boglehead way, at much lower costs would be:40% Total Int Stock Index Fund (VTIAX)50% Vanguard 500 Index Fd Admiral (VFIAX)7% Columbia MC Index Fd Instl 3 (CMDYX)3% Columbia Sm Cap Index Instl 3...
View ArticlePersonal Investments • BOND or BND
Then, in August 2015... the SEC had issued it a Wells Notice, a formal warning indicating that some regulatory action was coming. The SEC was claiming similar things to what he’d claimed: that Pimco...
View ArticlePersonal Investments • Pay RMD now or convert them to bonds and wait till...
Have to take 340 K worth of RMD by the end of the year. Does it make good sense to take it now and pay my tax with holding for the year or should I sell my growth investments Buy some bond indexes and...
View ArticlePersonal Investments • FIRE -- Transitioning to the "R" part
... I realized I have no idea what to do. Part of this relates to your age, and whether or not you can access your retirement accounts without early withdrawal penalties. Also, the younger you are,...
View ArticleInvesting - Theory, News & General • RMDs looming, a few questions......
22twain et. al got it right.In addition you should do some research regarding qualified charitable distributions (QCDs). Such research may be of help to you.Statistics: Posted by Peter Foley — Sun Aug...
View ArticlePersonal Finance (Not Investing) • Caregiver stole coins, jewelry - what to do?
Dude it was less than a grand worth of stuff and you don’t even have video evidence.Is it really worth your time to make drama over less than a grand worth of stuff?Just let the agency know you don’t...
View ArticleInvesting - Theory, News & General • Is this how one actually Dies with...
How do you qualify for high SS benefits when you quit working at 40?Some years ago I calculated that someone who earns the maximum amount subject to SS payroll tax (currently $168,600 per year) for...
View ArticlePersonal Investments • Roth vs Traditional optimization strategy.
Why do you not have health insurance? That’s a bigger financial risk than deciding between Roth and traditional.Unfortunate mishap. My wife is 25 and we thought it made more sense for her to stay on...
View ArticlePersonal Consumer Issues • Oil change inflation etc.
This may blow some minds on here but I won’t even let the dealership do the first oil change for free on a new vehicle anymore. It’s not about saving money although an oil change only costs me about...
View ArticlePersonal Finance (Not Investing) • Why are so many people choosing LTCI
Just about every party I attend (I'm in my 50s) people start talking about long term care insurance (LTCI) and how they are getting it.But I don't understand it from multiple perspectives. Firstly,...
View ArticlePersonal Consumer Issues • Creative ways to make an extra $300 a month?
Tutor.com was paying ~$15/hr last I checked.Statistics: Posted by Areliax — Sun Aug 04, 2024 4:17 pm — Replies 71 — Views 5961
View ArticlePersonal Finance (Not Investing) • How to fire my accountant?
If they are not your employee, there's nothing to do except call a new tax preparer next year. It's just like changing plumbers, car mechanics, or doctors. You don't need a reason to change any...
View ArticlePersonal Investments • Advice for younger investors - chill and stay the course
Even if they don't, most aren't making enough to get anywhere as it is.Source: reddit.com/r/antiwork?Cost of living is through the roof and leaves little for savings.Have yet to see any convincing...
View ArticleUS Chapters • Suggestions for the Wiki
Sorry, we don't provide a page impression feature. Is there a reason you are asking?Statistics: Posted by LadyGeek — Mon Aug 05, 2024 4:47 pm — Replies 711 — Views 558392
View ArticlePersonal Investments • Asset Allocation
The VBTLX Vanguard Total Bond Mkt Index Adm is the reference bond index of the three fund portfolio. Inter-Term Bond Index compare: https://investor.vanguard.com/tools-cal ... sigx,vbtlxVBTLX Vanguard...
View ArticleInvesting - Theory, News & General • How do you deal with the all time...
Discussion of today's market performance can be posted in: August 5, 2024 is a RBD [Really Bad Day]Please stay on-topic.Statistics: Posted by LadyGeek — Mon Aug 05, 2024 4:50 pm — Replies 188 — Views...
View ArticlePersonal Investments • Separating pre-tax and post-tax contributions in...
1. Am I interpreting that special rule correctly?Mostly, yes. Except the part about you being out of luck.I do not know why 401k plans are not specifically listed. I've wondered this myself many...
View ArticlePersonal Finance (Not Investing) • 529 Max Contribution Limit
Thank you so much for the workaround! When change the beneficiary from myself to my kid later, does it have any annual gift tax limit, which is $18K for 2024?Statistics: Posted by JustHappen — Mon Aug...
View ArticleInvesting - Theory, News & General • "Global Selloff Intensifies as...
if I get a 5% real return this year I'll be happy.+1Actually in mid July I already had 5.45 percent gain, with an unreasonable YTD monthly haul that I knew couldn't last, so I pulled out. The Schiller...
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