Personal Finance (Not Investing) • 529 and ABLE account interplay
Yes, I understand about the annual contribution limits for the Able account. Thank you. So many moving parts and limits! I'm unclear about one thing you mentioned earlier:Once the 529 is spent, I will...
View ArticlePersonal Investments • Did I save too much in tax-deferred?
Did I save too much in tax-deferred?Something to keep in mind is that if you have "too much" in tax-deferred retirement accounts it likely is not that you saved too much, it is just because you got...
View ArticlePersonal Consumer Issues • Toilet /Bidet
This is something you don't want to cheap out on.Indeed. With a cheap one, you may get lucky to get a good one, or not. It is a crapshoot.Statistics: Posted by RandomPointer — Wed Dec 27, 2023 1:31 am...
View ArticleInvesting - Theory, News & General • Cathie Wood - What's the story?
She runs ARK investments which were high flyers during the 2019-2021 years, showing big returns driven primarily by a large position in tesla. This period got her a lot of fame. However, since then,...
View ArticlePersonal Consumer Issues • Is Solar Worth It?
[/quote]I'm thinking of dropping the batteries.They added $18k to the cost.[/quote]I made the same decision. Way too expensive. In addition, I already have a generator that can manage almost all of...
View ArticlePersonal Investments • Forgot Something [Withhold taxes]
I'm not following how you're able to control the timing of your own RMD. I have an inherited IRA with Fidelity, and they process the RMD for me every year. They process it in mid December. I can...
View ArticlePersonal Consumer Issues • is finishing a garage floor recommended? sealing,...
In general I prefer a natural look. A few questions:- Is there a downside to just living with the non-finished garage floor, other than cosmetic?Cosmetic only, but that can be functional if you do a...
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
Not sure if skier noticed the bold when replying. If you are really meaning 300% equities and 300% ITTs, your amounts borrowed are off. E.g. at 150k portfolio value, you would be borrowing $750k to...
View ArticlePersonal Investments • VSMGX
I don't typically think about granular things like this. I'm a set it and forget it investor. Today though VSMGX was down 2.5% even though the US stock indices and the bulk of the world's indices were...
View ArticlePersonal Finance (Not Investing) • Taking over parent's mortgage in retirement
More misconception. There is no law or regulation that precludes retirees from getting equity loans. There is even one specific class, reverse mortgages, geared specifically to retirees.Statistics:...
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
Didn't have much money in college and thought $3k in moving expenses was a lot of money starting out. Didn't start tracking until a few years after graduation, when I wanted to get serious about...
View ArticlePersonal Finance (Not Investing) • Quicken 2019 and forward
BTW, if anyone who is not currently a Quicken user is looking to try it out, Amazon has the new subscriber version on sale - $36 for Deluxe & $50 for...
View ArticlePersonal Finance (Not Investing) • Changing the withholding percentage of my...
I'm trying to withhold income tax from my RMD. I have done this in previous years from my Vanguard tIRA by changing the percentage withheld from the default 10%. This year Vanguard requires that a...
View ArticlePersonal Finance (Not Investing) • TurboTax 2023 offer
As of this morning, Costco’s price has also been changed. $44.99 plus a $10 credit for Federal + State, the same as the Amazon offer. At this point I’d purchase whatever one tickles your fancy....
View ArticlePersonal Consumer Issues • Aruba and Curacao day excursions
We took a guided tour of Curacao that included a bus ride to Hato Caves and a guided tour through the historical downtown tour of Willemstad. Hato Caves was an interesting cave but honestly, it was...
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Investing - Theory, News & General • International (Non-US) versus US...
So maybe the point is..., it actually makes no point....I'm all for points that actually make no point. Fact nuggets.Not "because of this thing, thus this other thing must surely follow".Just "this is...
View ArticlePersonal Finance (Not Investing) • Telling our children about your net worth...
Step 1: Tell her to manage her investments on her own.Step 2: Teach her how to accomplish step 1 when she asksStep 3: Suspend the topic of your finances if she doesnt ask or appears dis-interested....
View ArticlePersonal Consumer Issues • LA/Vegas/Grand Canyon trip
From Las Vegas, consider an airplane or helicopter tour of the Grand Canyon.Statistics: Posted by ralph124cf — Thu Dec 28, 2023 1:53 am — Replies 53 — Views 3218
View ArticlePersonal Consumer Issues • Asus, Acer, Lenovo, etc. Chromebooks
I am using a Samsung Chromebook 2 that I have owned for seven years. It works pretty much as well as when I bought it. The battery has deteriorated a bit decreasing from 10 hours of charge to closer...
View ArticlePersonal Investments • Frustrated Trying to Edit RMD on Vanguard Website
How do I add my signature to the Form W-4R that Vanguard is requiring be completed in order to change the withholding percentage?Statistics: Posted by krow36 — Thu Dec 28, 2023 1:56 am — Replies 41 —...
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