Personal Consumer Issues • Things to do in Kauai
Visit Hanalei (home of Puff the Magic Dragon).https://en.wikipedia.org/wiki/Hanalei,_HawaiiStatistics: Posted by Nicolas — Fri Aug 23, 2024 9:49 pm — Replies 39 — Views 3821
View ArticlePersonal Consumer Issues • [On-going Scams - Post them here]
And at this point, I pulled out, said an insistent bye-bye, and shut the door. Conversation is on my Ring doorbell, and I was able to look up his solar company - very nice website, looks like it...
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US Chapters • Has anyone heard from Mr. Larimore?
Wow!!I am the luckiest man in the world to have such a genuine following. It is hard for me to believe that I am half way to 101. Your messages are one of the reasons.Thank you.TaylorI hope this...
View ArticleInvesting - Theory, News & General • Roth IRA for Kids vs. Custodial...
Tons of places are hiring. I'm sure they could get a job somewhere. Lol.Could be the next wave of FIRE. FIREteen: Your done before you can legally vote! Whats the % withdrawal for the next 80...
View ArticlePersonal Investments • 5 year rule for Roth IRA transfer?
No the clock does not restart. From an IRS perspective you have one Roth regardless of how many individual Roth accounts exist. It started the year the first one was funded.CheersSo if I opened a new...
View ArticlePersonal Investments • Should my emergency fund be apart of my Asset Allocation?
Would you ever draw down from your emergency fund to rebalance the rest of your portfolio?If not, it would seem to be outside of the concept of asset allocation.Statistics: Posted by blortchplop — Sat...
View ArticlePersonal Investments • Should I sell this US Treasury Bond in my Roth now?
This is overly simplistic. You are ignoring that all the dividends/interest are also free of taxes in a Roth. Since interest is taxed at a greater rate than cap gains, some would say you want interest...
View ArticlePersonal Investments • September losses
Touchy subject here.Testing a theory with back testing should be encouraged.Not really no. First, you haven't articulated a 'theory' of any sorts and fishing for correlations without a solid theory...
View ArticlePersonal Investments • Received a big inheritance $10m+. No idea what to do
Hi,I received an inheritance from my late grandmother. It's in excess of $10m usd. I'm not sure what to do with this money. I've been trying to learn and educate my self here. It's in a trust, so...
View ArticlePersonal Consumer Issues • Alaska Cruise in June25
If you sail one-way, try to get a balcony on the LAND side of the ship.That would be Port (left) heading south, or Starboard (right) heading north.Some of the scenery, even from a bit far out, is...
View ArticlePersonal Finance (Not Investing) • Slott: The Big Retirement Myth
For those processing partial Roth conversions against larger 401(k) balances, in order to really make a dent in the balance, you may need to convert beyond the IRMMA limit and pay slightly higher PART...
View ArticlePersonal Investments • Taxable + Roth IRA Check-Up: How am I doing?
As a young doctor with almost complete job security and few assets, I recommend 100% equities. Granted 90/10 isn’t that different, but why bother with bonds now?Statistics: Posted by snowday2022 — Sat...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields have...
I see things differently.You started a market timing thread. Market timing can be the liquidation of long TIPS in favor of shorter-duration income funds.Statistics: Posted by 2pedals — Sat Aug 24,...
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Personal Finance (Not Investing) • For those retired or FI, how much do you...
I have lost the plot now as I no longer know what we are arguing overRick told us that median base spending of his typical VHNW client is $84k. Let us call them multimillionaire. He also said that the...
View ArticleInvesting - Theory, News & General • Replacing Bonds with T-Bills in a...
Sure, it can be more relaxing to be deprived of any decisionmaking power, but I don't like it.One of the primary benefits of bonds is their ability to diversify equities portfolios. Treating bonds as...
View ArticlePersonal Investments • Start Up Investment Question
A wise person once told me to never invest in something like this unless you are perfectly happy with losing it all. If 25k or 100k makes no difference to your financial well being (or your family’s)...
View ArticlePersonal Consumer Issues • So what are you cooking
Today, I cooked a leg of lamb. Something, I haven’t done in over 3 years. It was incredibly delicious. Meat is forbidden food for me. 4 oz limit at a sitting. I was in food heaven. I made gravy too...
View ArticlePersonal Investments • Capital gains offsets and ACA subsidies
Also, if I offset capital gains, are they still included in MAGI for the purposes of ACA subsidies? I am not on ACA now, but will be at some point next year. I know in calculating MAGI I would add...
View ArticlePersonal Investments • 3 Fund Portfolio in Roth vs Brokerage Account
Thank you for your reply and resources! That is such a great starting point. I am able to max out the Roth every year therefore the $30k that I want to invest in would all be going into the taxable...
View ArticleInvesting - Theory, News & General • Rule of 55 Question
If you have sufficient Roth contributions, you can do a Roth conversion, while simultaneously withdrawing Roth contributions. This essentially allows penalty free tIRA withdrawals before...
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