Personal Finance (Not Investing) • Is a Reverse Rollover and Roth Conversion...
...making the taxes on the 2nd conversion very small?Yes. One might even say "minimal".Given sufficient decimal places for the division result, the taxable amount should be exactly the "small...
View ArticlePersonal Finance (Not Investing) • Pay off Credit Card Statement Balance or...
Does paying more than the statement balance screw up rewards plans that require a certain spending level to get a monthly reward?Statistics: Posted by bogles the mind — Mon Aug 12, 2024 6:52 pm —...
View ArticlePersonal Finance (Not Investing) • Should I continue using a soon-to-be...
All my macs got retired for one of three reasons:1. Battery died.2. Keyboard died.3. Not enough memory to do the software updates.Statistics: Posted by UpperNwGuy — Mon Aug 12, 2024 6:57 pm — Replies...
View ArticlePersonal Consumer Issues • Good search tool for doctors?
For a PCP, I would probably pick the academic or tertiary hospital in your city, call their internal medicine or family medicine department, and ask for a list of MDs who are accepting new patients...
View ArticlePersonal Finance (Not Investing) • NYC Upper West Side, Apartment purchase
Does not want to LOSE over 100k renting for the next 5 years.This is a flawed way of thinking about it.Statistics: Posted by WhitePuma — Mon Aug 12, 2024 6:58 pm — Replies 35 — Views 2181
View ArticlePersonal Consumer Issues • water leak puzzle
Agree withWhitePuma. It's a simple problem but we need more of the details on what type of setup you have there.Statistics: Posted by jcpct — Mon Aug 12, 2024 7:00 pm — Replies 3 — Views 120
View ArticlePersonal Investments • Real estate as % of net worth?
Early 60s and retired. Home is 6.88% of net worth. No debt of any kind. If I bought a second home, I would not want my homes to be more than 20% of total net worth/assets. This is, I need 80% of my...
View ArticlePersonal Consumer Issues • Anyone have problems with Apple iphone SE2's?
I have the SE2 and my wife has the SE3, neither has had any issues. Even though hers has 5G, in practice, traveling all over the country, we haven't seen any difference. At home, of course, we have...
View ArticlePersonal Finance (Not Investing) • New Trustee of Large Trust in 1 Stock:...
In general, I agree that putting so much in one stock is excessively risky. 'But in this case, it is worth noting that Berkshire itself is highly diversified. Let me put some number to the issue....
View ArticlePersonal Consumer Issues • Vet estimate for my daughters’ cat
I was told my cats teeth needed doing and she needed to be sedated for it (can’t remember exact cost).Switched vets for different reasons and the new (older) vet just took the build up off with her...
View ArticleInvesting - Theory, News & General • The Diversification Playbook:...
If you don’t know how slice-n-dicing affects the volatility, then you can’t make an intelligent decision on whether or not to do so"Market cap weighted" slicing and dicing can only decrease variance...
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Personal Investments • Tax-efficient fund placement
One nice thing about your new plan is that it will decrease the growth of your tax-deferred account. That is helpful to some people because RMDs on a wildly growing tax-deferred account can cause too...
View ArticlePersonal Finance (Not Investing) • Banking glitch (bank withdraws to pay...
This right here is why I won’t put my bills on automatic draft. Last thing I need other than an accidental $12k out of my account is to bounce an Amex payment. I hope you get a speedy...
View ArticlePersonal Investments • Moving assets between family members.
Out of curiosity what would happen as an example in a scenario where a person gifted someone an asset and then inherited it on their death?The basis would receive the usual reset if the recipient...
View ArticlePersonal Finance (Not Investing) • Why are so many people choosing LTCI
Because LTC is potentially expensive and can exceed the 7.5% of one's AGI, any self funding would be best sourced from tax-deferred assets if possible. On the insurance side, qualified plan premiums...
View ArticlePersonal Finance (Not Investing) • Auto insurance with a teenager
Both our kids did drivers training with AAA and then were given 1 yr of membership upon completion. I found that our AAA auto rates really only increased ~ 30% and that includes upping of the...
View ArticlePersonal Consumer Issues • Buying Replacement Car Tires
You can go online and see reviews from people actually using this car/tire combo, etc. Just an example:https://www.tirerack.com/tires/TireSear ... adRating=STires definitely make a differenceDiscount...
View ArticlePersonal Investments • Projections [What should I use as an annual future...
Clearly no one has a crystal ball, but I am trying to set some long term goals. for 25-30 year projections in a spread sheet, what should I use a my annual return. IS 8% too much? 5%? What do you...
View ArticlePersonal Investments • Help understanding bonds
If rate cuts are coming soon, is there a way to "touch all the bases" with Bond Funds ??I hold TLT for the longer duration, and some VTIP for the 5 year timeframe. Is there some MF or ETF in the wide...
View ArticleUS Chapters • nisiprius [New Bogleheads should read his posts]
I have fundamental disagreements with Nisiprius’s (and by extension, Bogleheads’) view of investing.That being said even I can acknowledge his way with words. Bravo Nisi for the effort he puts into...
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