Non-US Investing • Re: US/UK Investment Account Flowchart
Re: HYSA; correct -- no/low personsal savings allowance. Have already maxed premium bonds, but need to find ways to shelter the rest of the cash. The question I need to work through is it better to...
View ArticleInvesting - Theory, News & General • Re: IRS clarifies stretch IRA rules:...
In the scenario of "no designated beneficiary" Post-RBD (e.g., the decedent's estate or a trust that does not conform to the requirements above), RMDs must still be distributed and calculated using...
View ArticlePersonal Investments • Re: 64 YO, advisor recomends 70/30 AA
As a total beginner to the Boglehead philosophy, I would nevertheless trust this Fidelity process about as much as I'd trust a horoscope.Why?If the money is intended for heirs, 70/30 seems...
View ArticlePersonal Finance (Not Investing) • Re: Expensive houses
You question is not very hard to answer. Just estimate the cost of taxes, utilities, and maintenance on an excel sheet and see what that looks like.Your savings and income more than enough to pay for...
View ArticlePersonal Finance (Not Investing) • Re: Laid off
The comments about how you'll be underqualified at insurance firms that pay engineers significantly less come from a place of jealousy. You have to be extraordinarily talented and willing to work...
View ArticlePersonal Finance (Not Investing) • Re: How do you keep track of your personal...
Basically, I am trying to keep track of my personal finances using Excel but it is getting very tedious. Do wanted to ask what are some of the tools you guys use to keep track of your personal...
View ArticlePersonal Finance (Not Investing) • How do I teach my kids to be less generous
We moved into a new town 2 years ago and my kids 7 and 9 had recently made friend with the neighbors. It was nice that they play together and in the beginning it’s playing in the yard riding...
View ArticlePersonal Finance (Not Investing) • Re: How do I teach my kids to be less...
Offer prune juice and broccoli. Never too early to be healthy. I do not have kids so I do not know how it is today but we were put to work if we came back in the house before sundown during summer...
View ArticlePersonal Investments • Re: Is there a sweet spot for Roth conversions?
I'm not sure there is a sweet spot. It is dependent on theindividual portfolio. In my plan, I need to convert into the 22% bracket, below IRMAA,for 2 years, then possibly 1 or 2 years in the 25%...
View ArticleInvesting - Theory, News & General • Re: Adding alternative strategies to...
The model portfolio doesn't split up the exposure to equity indexes vs. volatility etc. It also doesn't show total stock market beta exposure.I think trend following is serious as an uncorrelated...
View ArticlePersonal Consumer Issues • Re: EV value over time
I have a Mercedes EQB, which is an ICE platform shared with the GLB. I have substantial experience driving both. The EQB is nearly 1000 lbs heavier, but it drives better. The suspension is tweaked for...
View ArticlePersonal Investments • Re: Newlyweds Seeking Guidance
Congrats on getting married. Here are a few of my thoughts, in no particular order, as someone around your age that also got married last year.1. I use Empower (formerly Personal Capital) for...
View ArticlePersonal Finance (Not Investing) • Re: Valuing state pension
It sounds like you want to go back to the government job that offers the pension. It also sounds like a wonderful benefit once you are fully vested. Most Bogleheads would kill for a steady income...
View ArticleInvesting - Theory, News & General • Re: How do you deal with the all...
Whenever the markets reach nosebleed, record p/e levels, I go to my bungalow in Darjeeling, India and light cigars with hundred-rupee notes, while gazing across the valley at Mt. Kanchenjunga ...But...
View ArticleInvesting - Theory, News & General • Re: Brief history US government bond...
[...] Jackson was indeed a piece of work, having also destroyed the central bank in 1836. He bears comparison to a contemporary [remainder of comment deleted to stay within forum policy].Martin Van...
View ArticlePersonal Consumer Issues • Re: How long in advance do you book vacations?
Cruises: 7-10 days. Prices can be stunningly cheaper, 90-95% off. Or not. Speaks to the profit margin. You do need a travel agent's help. If you don't get a great deal, don't go. Spoken as a retired...
View ArticlePersonal Finance (Not Investing) • Re: Should I Sell All Stocks While...
That rule applies to money that's not in the market. Since your money is already in the market, I would not sell and take it out now. Sure the market could go down the next two months but taking it...
View ArticlePersonal Investments • Re: Portfolio Review - Investor with High Anxiety
A) Are you recommending I should put $23k in Trad 401k, and $17k in After-tax 401k? I put $40k in After-tax 401k because I thought that is the best way to save for retirement via the backdoor Roth...
View ArticleNon-US Investing • Re: In need of an official opinion from the IRS on my...
So it's not 100% clear if it's taxable or not, and people send A LOT of transfers between bank accounts and brokerage accounts every day. The chance that they'd pick this up and send you a tax bill is...
View ArticleInvesting - Theory, News & General • Re: Schwab Planning to House...
I'll add that for most of us, there does not always need to be major hoops to jump through. As a hypothetical example, if a married couple moving cross country realizes say $750K from a home sale that...
View Article