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Personal Investments • Re: "buying" a COLA
The initial reduction is based on your actuarial factors, such as your age at retirement and your sex.I think this is key... actuarial factors are averages, while you may have a better "guess" based...
View ArticlePersonal Finance (Not Investing) • Re: TurboTax where to enter % US govt...
I just did this and it works the same as prior years.When you import or enter a 1099-DIV, after entering the total dividend, TT will ask you a question on the next screen.It was say something like "Is...
View ArticlePersonal Investments • Re: 10 yr Treasury Note - Not understanding...
By the bond with the yield that you want. Then look at the coupon. If there is a big difference, you may very well want to buy the one with the lower coupon if you don't want the spin-off income (if...
View ArticlePersonal Finance (Not Investing) • Re: Tax Reporting Q:Teen's 1st job, 1099...
I would suggest pressing the HOA a bit. Based on the amounts involved, they should have either issued him a W-2 (probably) or a 1099-NEC (less correct, but plausible). The deadline for both of those...
View ArticlePersonal Investments • Re: Treasury Direct - The Eternal Wait and No Way To...
I wanted to share our current experience with TD as another data point for people to consider.We are trying to establish a new account for son to transfer his I bond holdings held in his minor...
View ArticleInvesting - Theory, News & General • Re: Empower Issue - is there a bug?
I experimented with my test account, but I don't see the error. I made a $1 to SS and the projected income nor success rate changed. May be it's a particular combination?Statistics: Posted by gavinsiu...
View ArticlePersonal Consumer Issues • Re: Headed to Ireland
I'm not sure what you enjoy doing. A memorable thing we did was stay in the Ballynahinch Castle for a couple of nights. It's a 3 hour drive from Dublin and my husband drove it. Once he got the hang of...
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Personal Consumer Issues • Re: Recommendations for cordless electric snow...
If you time things right, a set of two 7.5 Ah batteries may be bought for ~$630 when on sale. The place to shop at would be Acme Tools, which gives out occasional 10-15% discounts.Assuming your lawn...
View ArticlePersonal Finance (Not Investing) • Re: File tax without waiting for W-2C (HSA...
Yes, they will be issuing a corrected W-2c. But it's going to take weeks. I'm pretty sure this $500 adjustment will show up in a way that could be predicted.Two possible options: 1. Reduce '24 HSA...
View ArticlePersonal Finance (Not Investing) • Re: Buying a condo for aging parents -...
But this option seems so legally and financially complicated; I've spent hours reading up on investment properties, vacation home laws, LLCs, fair market value, depreciation etc etc. We've talked with...
View ArticlePersonal Investments • Re: Should owning a vacation property be seen as...
Hello everyone, Just a quick question today - if one is sufficiently funding their retirement accounts to meet their future needs, such a person might consider purchasing a second home. Many here...
View ArticlePersonal Finance (Not Investing) • Re: Surprised by IRS Tax Return processing...
I find it interesting to see people filing their 2024 taxes already. I feel like I just finished my 2023 ones. I've been filing in October for several years. No, if you can file on January 30th you...
View ArticlePersonal Finance (Not Investing) • Re: Late to the Game at 42 - Advice Welcome!
I learned a lot by reading Bogleheads.org, which led to changes in the way I invested.Statistics: Posted by steadyosmosis — Sun Feb 16, 2025 11:01 pm
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Personal Consumer Issues • Re: Privacy comparison to SMS?
... the app (WhatsApp) was purchased by Meta and was eventually integrated with Facebook. A huge backlash occurred because no one trusts Meta.... WhatsApp - Meta (Facebook) can read you meta data -...
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Personal Investments • Re: TIPS 5yr 0.125% - 912828Z37 is it any good?
Since we’re discussing the OP’s signature, I think 85% VOO is fine but disagree with “don’t believe nobody because nobody knows nothing.” Counterpoint: Jack Bogle.(I’m assuming tips is part of bnd or...
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Personal Investments • Re: Early Retirement Strategy Review
We use ACA plans. I don't worry about subsidies, but maybe I should? If I need to convert 90k from IRA to Roth, and realize 30k in capital gains on average I guess we could do more than that one year,...
View ArticlePersonal Finance (Not Investing) • Re: Cash flow issues, what would you cut...
To correct the cash flow issue, eliminate the extra withholding intended to account for the year end bonus, and then make a 4th quarter estimated tax payment after the bonus is received.An unequal 4th...
View ArticlePersonal Finance (Not Investing) • Re: Is there a page for Medicare questions
Does it have to be closed for rates to skyrocket?Relative to the competitor's policies? Probably. It's a level playing field and heavily regulated. Again, the premise is that a person is stuck in a...
View ArticlePersonal Finance (Not Investing) • Re: "Visa debit" versus "US...
I simply don't trust debit cards. I use credit for the benefits it offers and with the idea that if something goes wrong, the issuing provider gets to work figuring it out because its their money that...
View ArticleInvesting - Theory, News & General • Re: William Bernstein Eschews Merton...
Dr. Bernstein systematically emphasizes outsized risks. Should we agree? He notes that the Roman Empire lasted about 500 years, and with a hypothetical human lifetime of 85 years, the average Roman...
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