Personal Consumer Issues • Costco Unadvertised Coupons and Discount
Some sales are sneaky.If the price ends in x.88, it's a local manager's sale. Often returns ... sometimes floor or damaged items.Clearance prices end in x.x7 or x.00.If there's a date under the last...
View ArticlePersonal Investments • Should we start doing Roth conversions?
The accounts will grow each year the real return is greater than 0%. Perhaps we need to define "The accounts".Roth balances don't matter.Traditional account balances will not grow if the amount...
View ArticlePersonal Consumer Issues • Popups in Windows !!
maybe you have a virus or something. have you run windows defender? can you give us some examples of these popups?Statistics: Posted by arcticpineapplecorp. — Wed Aug 14, 2024 7:22 pm — Replies 4 —...
View ArticlePersonal Consumer Issues • How to negociate settlement for totaled car
Also, if we do repair a car that is at a total loss, can it still be insured through our existing agency, State Farm?Assuming you insure it back with State Farm, ask what happens if you are in another...
View ArticleInvesting - Theory, News & General • A Simple Bogleheads Retirement Using...
Hi,I have a bit of Forum Fatigue after reading thru the complete VPW thread, including following most links and sources. I wanted to search this thread for just the monthly Forward Test posts but I...
View ArticleInvesting - Theory, News & General • Why all the IRMAA angst? [IRMAA:...
One aspect that I did not see mentioned is that it is Modified Adjusted Taxable Income which includes non-taxable items such as municipal bond interest. Think there are some other things that get...
View ArticlePersonal Investments • Portfolio Review (For my parent's retirement)
Your post made me laugh but then honest concern.It has already been said in other ways but their decision making is somewhat questionable. I have elderly parents too who watch too much news....
View ArticleInvesting - Theory, News & General • Total Portfolio Allocation and...
Annuitize $200,000 at age 80.Payout estimate from immediateannuities.com for an 80 year old male in the state of Washington is $2,053 per month (average estimated quote, so can likely do better). To...
View ArticleInvesting - Theory, News & General • Is a 50% savings rate impossible...
My pre-tax rule including 401K company contribution:1/3 taxes + 1/3 savings +1/3 expensesThis must only happen in a very narrow band with specific instances.Please help us out to understand what these...
View ArticleInvesting - Theory, News & General • Betting on the Equity Risk Premium...
Markets are up, so it's time to talk about leveraged investing again.The market never went down yet.Sorry, just making a joke because these discussions were so common in the forum in 2020-2021 and...
View ArticlePersonal Investments • Giving With a Warm Sneaky Hand - Gifting "Left...
@arcticpineapplecorp Thanks for your informed comment.Our dividends are taxed federally at 20% and CA hits us with an additional 10+% so a good 30%. As I understand it, the kids will pay no tax unless...
View ArticlePersonal Consumer Issues • Heavily marketed Spectrum internet deal: $29.99...
The catch is typically that it's 2yrs only. Then either re sign up for a promo, sign up as a new user (spouse/roommate), or switch carriers againStatistics: Posted by nalor511 — Wed Aug 14, 2024 7:33...
View ArticlePersonal Finance (Not Investing) • TreasuryDirect assets and Estate Planning
Savings bonds should be an asset of the estate like any other asset. That allows the greatest flexibility. Your executors can accrue the interest on your final return if you’re in a low bracket (for...
View ArticlePersonal Finance (Not Investing) • Advice on dealing with elder care insurance
Looking for advice from experienced people with elder care insurance. A relative has her sick senior dad in rehab after he suffered a stroke. He has been there for a few months and now the insurance...
View ArticlePersonal Finance (Not Investing) • Want Thoughts On My Early SS Strategy
My two cents. That's how I see it at least. SS is in trouble and like any other annuity there is a risk of failure and like everything else in life what can't go on won't go on. My guess would be the...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
I guess I haven't seen the need keeping Merrill at this point yet. I can't say I've been too impressed with their service either, as I submitted docs to turn our account into a joint one literally...
View ArticleInvesting - Theory, News & General • Diamond NestEgg
I think she's great and I haven't heard say anything that's incorrect. She did an outstanding segment on Schwab bank, and then one with Fidelity as well. Very credible.Overall, she's more geared to...
View ArticlePersonal Consumer Issues • Utah Mighty 5 in early June?
With respect to Johnny Thinwallet's hikes at Arches - we completed those in one full evening and the next day (at Landscape Arch, we turned around there and did not complete the Devil's Garden loop)....
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
Grew up food stamp poor. First job in a warehouse unloading trucks for the summer age 16, earned $767 in 1977. Been working ever since. College, law school, MBA. First professional job paid $31,000 in...
View ArticlePersonal Investments • Cash holding in retirement
I can move money from V settlement fund to my Citibank checking account for next day coverage. so i try to keep most cash for expenses in V settlement, currently earning >5%. Citibank pays bupkis....
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