Personal Investments • Re: Unemployed start of 2024. Opportunity to Roth...
What would be a good strategy to take advantage of my low income in 2024.... Unless there is more to the story, I think you are jumping the gun. It will be many months before you will know if your...
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Personal Consumer Issues • Re: Quaker Recall Refund
If I had a box of these, I would probably simply chuck them in the trash and go on with my life. By the time I add the cost of fuel, depreciation of my vehicle and probably the biggest factor, how...
View ArticlePersonal Finance (Not Investing) • Re: How can I get merchant to stop...
Lesson learned. In the future, you or your wife should use "virtual" credit card number for those subscriptions.What is that - I haven't heard of it.You may find this helpful....
View ArticlePersonal Finance (Not Investing) • Re: Prospective Tax Calculators
Which prospective tax calculator do you prefer? I want to try at least one more and see if it matches the Dinkytown result. There was also a giant Excel spreadsheet I found here a few years ago but...
View ArticlePersonal Finance (Not Investing) • Re: Inheritance Financial/Moral Dilemma
If you want to favor one child over another, I would do it while you are still around.If you worry about the fall out from your kids while you are alive, you might want to think about it after you are...
View ArticleInvesting - Theory, News & General • Re: Am I the only investor...
The Vanguard TVAA is now 59% bonds:viewtopic.php?f=10&t=419530&newpost=761 ... ead#unreadStatistics: Posted by watchnerd — Sat Dec 23, 2023 8:15 am
View ArticleInvesting - Theory, News & General • Re: Essentially target date funds...
...If we studied portfolio size we would know that larger portfolios reduce risk with increasing amounts of fixed income, but that this is not true for 15x, 20x or 25x portfolios. 30/70 may be too...
View ArticlePersonal Finance (Not Investing) • Re: IRS IP Pin - Able to change?
YesGIYFStatistics: Posted by RedKlotz — Sat Dec 23, 2023 8:16 am
View ArticlePersonal Consumer Issues • Re: Roof replacement in DFW area after hail damage
Thanks for the responsesStatistics: Posted by cvsvm2007 — Sat Dec 23, 2023 8:17 am
View ArticlePersonal Investments • Re: Bonds only in traditional IRA to “slow” growth
Hi gang,I’m wondering if I should rearrange my fund placement within my traditional and Roth IRAs so that only(or at least “mostly”) the bonds are in the traditional IRA. My reasoning is thus: it will...
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Personal Investments • Re: Should I Super-Size my Mega-Backdoor Roth?
Thanks all, looks like it's pretty much universal encouragement to go for the full MBR. When I set it up, I'll have to decide if I should front-load the pre-tax piece (it will kick over to...
View ArticleNon-US Investing • Re: What portfolio would be easier to rebalance
I was set on a simple 2 fund portfolio of VWRL distributing in € and VAGE also € distributing, as I’ve moved to Portugal and distributing Irish domiciled funds are more tax efficient under the NHR...
View ArticlePersonal Investments • Re: Relevance of Insurance Co Ratings for MYGA's?
Could someone explain why insurance company ratings are an important consideration in choosing a MYGA? It would seem that lower rated companies that pay out higher yields have just as much protection...
View ArticlePersonal Investments • Re: Contributions to Roth while working in semi...
As I intend to live off of my dividends....I don't understand how this would work. It seems you have about $740k (plus a small variable annuity) saved, some in crypto which may turn out to be...
View ArticleInvesting - Theory, News & General • Re: Projecting investment balance in...
That looks right to me. I do something similar in my spreadsheet. Just keep in my mind that any given random sequence of historical returns could be absurdly high or low. So in my opinion this...
View ArticleUS Chapters • Re: General Patton's Christmas Message
This topic is now in the Bogleheads Community, US Chapters subforum. Much to be thankful for - Merry Christmas to all who celebrate.Statistics: Posted by Kendall — Sun Dec 24, 2023 8:24 am
View ArticlePersonal Finance (Not Investing) • Re: How Much Do You Value Your Time At?
I work part time by choice. To get me to work even 1 extra hour, one would have to pay me multiples of what I currently get paid. That means that I value my free time far more than one is willing to...
View ArticlePersonal Investments • Re: Draws for a 529 over other types of vehicles
I don’t know how much the ER you are referencing are (you just say “high”) The 529 plan I use has an ER of .09 for Vanguard Total Stock Market which I think is absolutely fine considering that every...
View ArticleInvesting - Theory, News & General • Re: What is Your Biggest "Good...
My wife and I have separate HRA's from our former employers that reimburse any medical expense, including Medicare premiums, co-pays, dentist, vision etc. My HRA has been $4,200 a year and my wife's...
View ArticlePersonal Finance (Not Investing) • Re: Ethical dilemma - restaurant gift card
Sounds like a number of posters would have mentally accounted for the comped meal as a redemption.I would have, too, had I not been so clearly told that it was comped. Comping is… or should be…...
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