Personal Consumer Issues • How do you retire when you love your work?
The easy answer is to transition to a lighter schedule. A surgeon is going to have the bargaining power to set a lighter schedule, or to take sabbaticals, if you want to do traveling but then return...
View ArticleInvesting - Theory, News & General • Roth conversion
Let's say you are planning to convert $50,000 in 2024 and the investments grow 10% during the year. Where does that new $5,000 end up in each case?Early, $5k in the Roth, later, $5k in the tIRA.Per...
View ArticlePersonal Consumer Issues • Thinking of moving to Denver
I live about 50 miles north of Denver. You can look up the official air quality numbers for Denver. I know along the Front Range, there are common issues: ozone, dust, and smoke from wild fires. Ozone...
View ArticlePersonal Consumer Issues • Quality of insulation found in SFH of different...
One thing to consider when looking at houses of brick construction is that there are older brick houses that were brick and plaster walls with no insulation and newer brick houses that are brick...
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Personal Finance (Not Investing) • Will/Trust Question
Following as DW and I are also going through estate planning and anticipate having a trust for a testamentary trust for our toddler (and potential future children). Initial thoughts are to allow...
View ArticlePersonal Consumer Issues • What are some of the things that improved YOUR...
I stopped consuming news and political content entirely. It felt akin to detoxing from a substance and getting "sober". Ignorance truly is bliss.Growing up in a third world country, I can’t understand...
View ArticlePersonal Investments • CD Strategy
When are you going to need the money from the CD?I don't anticipate needing it any time.If so, why not invest in a total stock market fund? You won't need it any time ... that presumably means you can...
View ArticlePersonal Finance (Not Investing) • 1095-C issue
1E: It is important to note the difference between codes 1A and 1E, which is that code 1E may indicate an offer of coverage was not considered affordable, or was affordable under an applicable IRS...
View ArticlePersonal Finance (Not Investing) • Roth conversions in the 22 & 24% tax...
I would think most people would use something similar vs. pro forma tax returns that I was envisioning, but I also would just use software or a spreadsheet that already exists, since there are so many...
View ArticlePersonal Finance (Not Investing) • Disability Insurance?
Hello-I feel delinquent in not signing up for disability insurance. There is a part of me that feels that I can self-insure, but I also want to be sure I'm not a burden on my family. Here are the...
View ArticlePersonal Finance (Not Investing) • 1099 INT issued to wrong person
Relative had a stack of paper savings bonds on hand. We (relative, tax accountant, myself as POA) decided they should be cashed in 2023 given the elderly relative’s lower tax rate and the opportunity...
View ArticlePersonal Investments • Question on Backdoor Roth (Existing IRA with $0 Balance)?
Is there a set waiting period at Vanguard (or under the law) before I can rollover into my Roth IRA at Vanguard?You can do the rollover to Roth IRA as soon as the purchase of the Traditional IRA...
View ArticlePersonal Consumer Issues • Yosemite vs Smokies vs ...
Thanks again for the suggestions. In terms of crowds, I fully expect to see a lot of people at any National Park I go to which is fine with me. My bigger concern is getting stuck in traffic, having to...
View ArticlePersonal Finance (Not Investing) • Auto Insurance Increases in CA with Amica
I’ve read recently in the news about double digit auto insurance rate increases all over the US. Higher costs to repair cars, and inflation are usually the quoted reasons.I’ve had Amica in the past...
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Personal Finance (Not Investing) • Is it possible Vanguard accidentally...
Small update, Vanguard called back to say that once the calendar year has turned they can't get back the withholding. Which I KNEW and did not request. I had asked to see whether the error was mine or...
View ArticleInvesting - Theory, News & General • Do Bond Funds Really Make Sense for...
Recency Bias is very prevalent in today's bond threads.DanAlso prevalent in past ones, and likely prevalent in future ones. There are both conformist ones (move to cash because bonds have been falling...
View ArticlePersonal Consumer Issues • What have you baked recently?
Banana nut bread and an apple pie.Statistics: Posted by Chv396 — Tue Jan 30, 2024 10:05 am — Replies 522 — Views 70833
View ArticlePersonal Finance (Not Investing) • Clarification on rollover to Roth and...
I am planning to rollover after-tax contribution from 401k to Roth IRA (mega backdoor Roth). Since these after-tax contributions sat in 401k for several years, they have earnings attached to them...
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Personal Consumer Issues • Creating a gmail account for elderly Mom - legal?...
Medicare, IRS and state tax authorities also do not recognize a DPOA.The IRS actually does recognize POAs, but like with everything with the IRS, there's a process. I learned that on this board Look...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
Took the plunge and did this, and WOW - that was easy and painless. Everything transferred in a week, bonus already in my account. Transferred a Fidelity Roth IRA over on Tuesday 01/23 and everything...
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