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Personal Finance (Not Investing) • Budget for healthcare
ADDED this is all very much "where you live dependent" your results and other people's experience may vary greatly.There certainly is regional variation but the two most important factors that effect...
View ArticlePersonal Finance (Not Investing) • Tax refund amount changed - which...
I had a small refund due last year that I just left to prepay 2023 taxes. So I claimed the amount in the section for prepaid taxes and they disallowed it for some reason and sent me a refund for the...
View ArticleInvesting - Theory, News & General • USA Today: Annuities are key to...
If there were any "puzzle," it was solved for me when I tried to buy an SPIA circa 2007. Basically, in real life the only way to buy them was to already know what you wanted, and buy one online. Not...
View ArticlePersonal Investments • Gift Roth balance to reduce estate taxes
What might be a good plan is convert all pre-tax (401k, Traditional IRA, etc) into your Roth IRA.If you're hitting the estate tax for sure, it's best to shrink your balance. The pre-tax accounts get...
View ArticlePersonal Finance (Not Investing) • Any downsides to the Fidelity CMA?
Another downside. Transfer to other recipient or other bank account shows up in Activity & Orders in a way that you cannot find what the target account was.For example, this is what I see when I...
View ArticlePersonal Consumer Issues • Vanguard website issues
I started having the "data not available" issue yesterday and today (Windows 11, Firefox). I tried using my Microsoft Edge browser to access Vanguard, and when that worked without any issues, I...
View ArticleInvesting - Theory, News & General • Schwab Margin Loan Initiation Emails
Finally called instead of chatting, and I finally got someone who figured it out.Apparently Schwab will now only send you a margin loan initiated e-mail if you haven't had a margin loan in the last 6...
View ArticlePersonal Finance (Not Investing) • Personal Umbrella Policy choices
I currently have a 1M umbrella with the insurance company that writes my auto and homeowners policies. But I was told that is the maximum umbrella coverage they write in my state.I would like to have...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
My existing transfers submitted before April 30th changed from "Transfer complete and earns 3% match Pending" to "Transfer complete and earns 1% match Pending" Hopefully it still credits or I will...
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Investing - Theory, News & General • Now that long TIPS yields have...
For me, it's exactly because of their risklessness. After carving out an LMP (or not), an investor may still want to reduce the risk of the assets in their risk portfolio. Duration-matched TIPS are...
View ArticleInvesting - Theory, News & General • Does the FIRE movement lead to...
Anyone who wants to retire early needs to maximize their return.I disagree. It's far more effective to max your income and savings rate. Go ahead, compare earning 10% while saving $25K a year to...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
Unfortunately I think they will tell you to wait a few days for the ACH to "settle". I've enchanted this at another FI.Sorry you having this experience. This is quite unacceptable. Please do post what...
View ArticlePersonal Investments • Rollover employer 401k to IRA or Solo 401k?
If you would want to use the Backdoor Roth process, then avoiding pre-tax money in IRAs would be good.Statistics: Posted by FiveK — Sat May 04, 2024 5:57 pm — Replies 1 — Views 167
View ArticlePersonal Consumer Issues • The "Hot Upstairs" Topic
Our upstairs is where all the bedrooms are. Southern California gets hot, real hot, for months on end. There is little relief at night. We would have a 25-30 degree difference between downstairs and...
View ArticlePersonal Finance (Not Investing) • TWO password managers - one for security...
With all due respect, unless you are a very high value target, this all seems like a lot of undue fear and paranoia to me. I think you are on the right path using a password manager. I would then...
View ArticlePersonal Investments • Rationale Behind "Too Many ETFs"
Don't disregard the tax cost of simplifying (though also don't disregard the ongoing drag from excessively pricy, risky, or tax inefficient holdings). That said, consider using the funds you want to...
View ArticlePersonal Finance (Not Investing) • Sourcing interest income to a state
I will ask this to the insurance company selling the annuity, but does the annuity company report interest income (at the time of distribution/withdrawal) to my state of residence? How does the...
View ArticlePersonal Finance (Not Investing) • Is ACA Capped at 8.5% of AGI or Plan Cost ?
...8.5% ACA addition to the effective tax rate....Hope by "effective" you mean marginal tax rate.Roth Conversion and Capital Gains On ACA Health Insurance might interest you.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Ken Fisher on passive investing
I think individual stocks are fine, and I agree it's sometimes been easier to hold on and add to high quality businesses than indexes.I don't think he means neglect diversification and bet on...
View ArticlePersonal Finance (Not Investing) • What am I failing to consider on drawing...
OP, we are facing the same exact situation. People don't take into account that not everyone lives until age 70. There is the continual idea on this board that everyone lives to be 80, 90, 100. It is...
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