Personal Finance (Not Investing) • Biometrics and AI ...
Schwab uses voice recognition technology to log into its call center."At Schwab my voice is my password." With spam calls and AI - can our voices be highjacked to defeat this biometric?(aka just...
View ArticlePersonal Consumer Issues • Planes, trains, automobiles, boats- $$$ for hobbies
Concerts have been my #1 hobby, often combing with some travel.Statistics: Posted by Lou Sevens — Sat Jan 27, 2024 9:14 am — Replies 26 — Views 1836
View ArticleInvesting - Theory, News & General • 100% defensive stocks vs 60/40
The consumer staples sector absolutely trounced the S&P 500 during the GFC. But you're correct that brand loyalty fell off sharply during the Great Recession. I took a peek and in 2008 alone 52...
View ArticlePersonal Investments • How to Invest 20K
Thanks for replying. I guess I’m currently at a standstill because I’ve always thought to invest in Mutual Funds (Aka S&P and Total Market Index) in a 401K or IRA, and to use ETF’s such as Large...
View ArticlePersonal Investments • Is paying off a 2.99% mortgage always a bad idea?
OP,Round up numbers to make it simple.A) 1.4 million 80/20 with 300K mortgage, annual expense 80K with 10K of PI mortgage payment.In the coming recession, stock market drops 50% and both...
View ArticlePersonal Finance (Not Investing) • Oops! - Forgot to file Form 8606 for Roth...
I made my first Roth conversion in 2022. And I neglected to complete Part 2 of Form 8606, which is used to report Roth conversions.I have already filed my tax return for 2022 using IRS Free File...
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Personal Finance (Not Investing) • Update: Can a Retired 60 yo MD, MBA Start...
2024 Update: In 2018, Boglehead lawyers convinced me that applying to law school was probably a bad idea. Again, thank you for that help.At that time, I thought it was unlikely that I would be able to...
View ArticleInvesting - Theory, News & General • Inheritance & How It Impacted...
This is a bit of a sore subject for me because my parents have a high net worth and a lot of assets, but my father refuses to draw up a will, estate plan, etc. …I know my mother would be amenable to...
View ArticlePersonal Consumer Issues • Food related travel
Ice cream at Utah State University and South Dakota State University.We hit up other Universities for their ice cream too, but those two places have been the best so far. Kansas State is very generous...
View ArticlePersonal Consumer Issues • Dishwasher - repair or buy new?
Just be careful what new dishwasher you buy. With the introduction of energy efficiency and water savings, the 'new' generation of dishwashers have more complicated design and hence they fail more...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
That was my first guess. But... why? I mean, what is incipiently different now, vs. 17 years ago, when the Dollar began its ascendancy?The rest of the world is capable of economically punishing a...
View ArticleInvesting - Theory, News & General • White Coat Investor interviews...
Very good. Thanks for sharing.Statistics: Posted by SevenBridgesRoad — Sun Jan 28, 2024 9:42 am — Replies 1 — Views 170
View ArticlePersonal Consumer Issues • Decision at end of car lease
You should find a good used EV or PHEV, perhaps other than the Bolt, and take the $4,000 tax credit + state rebates.I don't qualify for the tax credit and I'm not interested in a PHEV.Statistics:...
View ArticlePersonal Finance (Not Investing) • Maxing out 2024 Investments - Anything...
… - Max her 401K - $23K …… - DCA in Taxable over the year - $100KAnything missing? …Does Her 401k offer a mega backdoor Roth?Consider I-Bonds for the tax deferral.Statistics: Posted by HomeStretch —...
View ArticlePersonal Finance (Not Investing) • Delay Filing an LTCI Claim?
Sounds like you can provide a nearby safe, accommodating and comfortable space with aides for your 90-year old relative. This sounds like the best option of those available. I personally would have...
View ArticleInvesting - Theory, News & General • The One-Fund Portfolio as a default...
BlackRock has a set of low-cost "balanced" iShares ETFs that are worth considering, and have probably been mentioned in the Forum.Tom_T, effectively, the very first post of this thread explicitly...
View ArticlePersonal Investments • 100% tax-deferred. Retiring early...
At retirement (55), I plan on moving all but $800k out to an IRA. mrf0rd,As far as I know, rule of 55 only apply to 401K. Not to IRA. As soon as you move the money into IRA, you are subjected to tax...
View ArticlePersonal Consumer Issues • Garage EV Charger Options - which way to go?
Another possible and simple answer is that GFCI breakers and outlets fail over time. It's a very simple task to replace either a breaker or outlet and see if that will solve the problem.+1 With your...
View ArticlePersonal Consumer Issues • Cleaning hardwood floors - Bona, Swiffer, or?
I'm looking for the best way to clean hardwood floors without damaging them. We've been using Bona with a microfiber mop, but aside from removing light dust, it never really seems to get the floor...
View ArticlePersonal Consumer Issues • Recommendations needed for dental insurance for...
Thank you, all. I never knew there were options for dental insurance beyond the traditional employer offered plans. This is valuable information. Appreciate the links and the responses.Statistics:...
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