Personal Finance (Not Investing) • Re: KF Roth Conversion Plan
Folks,The reason for the large conversion is to provide option for the ACA subsidy until 65 years old and no tax bomb later.At below 400% FPL or 15% tax bracket, I can only convert about 50K per...
View ArticlePersonal Finance (Not Investing) • Re: What's Your Credit Card Rewards Strategy?
So I got the Southwest credit card with the companion pass as part of the new card bonus. I think the companion pass expires at the end of the year or maybe at the end of February, 2025. Anyone know?...
View ArticlePersonal Investments • Re: What's the deal with Fidelity's FDVV?
When I backtest FDVV vs. VOO using Portfolio Visualizer, from 2017 through today, VOO wins. Only when I change the start year to 2021 does FDVV win. That's not enough time for me to conclude "yes,...
View ArticlePersonal Investments • Re: Looking for guidance to structure annuity for 5-10...
There's also a tax penalty if under age 59.5 when withdrawing that MYGA. Don't know OP's current age.That’s a good point that I should have mentioned upthread. If OP withdraws from a taxable annuity...
View ArticlePersonal Finance (Not Investing) • Re: Trust situs for irrevocable trusts
Thanks for the responses.The backdoor access I had in mind was via something called a Hybrid DAPT. I confess I only have casual understanding of it. Here, the settlor is not a beneficiary on day one...
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Personal Consumer Issues • Re: 1/4 inch or 3/8 inch socket wrench set?
Tools to keep things running and fix what breaks down.(old pic before we redid the mini shop)j Statistics: Posted by Sandtrap — Sat Aug 24, 2024 7:23 am
View ArticlePersonal Finance (Not Investing) • Re: Out of pocket for HECM Line of credit
One of the more interesting things that I will look at doing later in life is a reverse mortgage. My thought is that I will have an asset that is not going to any heirs, and me and my wife should be...
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Personal Consumer Issues • Re: attic insulation question - spray foam in...
appreciate all input, though if you're not familiar with 'ice dams', this is the point of their spray foam suggestion.It would (??) hopefully prevent heat loss at 'A' where the loose fill alone would...
View ArticlePersonal Investments • Re: Help with setting up TIPS ladder in brokerage account
I tried to learn about investing in TIPS (in the secondary market) but I was totally baffled by the terminology and the bond math.It sounds like you are doing this in a taxable account, since there's...
View ArticlePersonal Finance (Not Investing) • Re: High Salary (>$500,000) careers
OP here. Thanks to everyone who posted. Pls keep the stories coming. How are you going to use this information, in a personally actionable way? (or for a family member or friend)Trying to motivate my...
View ArticleInvesting - Theory, News & General • Re: How to blunt the outsized tech...
Teague, you have 2,500 posts on this site over almost a decade. You are clearly a regular. Surely you've seen one of the many, many, many threads on this topic in the last year.Anyway, the answer is...
View ArticlePersonal Investments • Re: National Life and American Financial: Good or Bad?
Where on this website is there a section dedicated to school districts? I don't find that and there's no search feature. Can you share a screenshot? Near the top of the page is an option to select...
View ArticleInvesting - Theory, News & General • Re: HSA Bank eliminating investment...
If moving funds from Schwab to Fidelity and concerned about fees, this might be worth a look. I suggest waiting until all funds have transferred.https://www.reddit.com/r/fidelityinvest ......
View ArticlePersonal Investments • Re: My entire portfolio - what would you change?
Is it correct that you have 6 insurance policies with Northwest Mutual, and that you pay a combined $6k per year in premia?Yes across the two of us. We were sold a bunch of stuff over the years…Cease...
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Personal Finance (Not Investing) • Re: Did anyone spend too much in early...
Only on Bogleheads is anyone with under $3 million considered the "global poor" Statistics: Posted by PeninsulaPerson — Sun Aug 25, 2024 7:45 am
View ArticlePersonal Consumer Issues • Re: Question for cord-cutting sports fans
What's my move to cut FIOS TV and be able to stream live sports, including my local baseball and hockey franchises?It really depends where you are. You will have to look up your teams and broadcast...
View ArticleInvesting - Theory, News & General • Re: Replacing Bonds with T-Bills in...
Rolling Treasurys could save you the ER of a fund.It could, but losing the ability to rebalance is not worth 10 basis point. Purchasing Treasury is not necessary free either unless you deal mostly...
View ArticleInvesting - Theory, News & General • Re: Wiki - Prioritizing investments...
I am personally sorry to hear the pushback and decided rollback of some of the additional items. I thought the new page was much improved. Maybe there should have been a "basic" and "advanced" graphic...
View ArticlePersonal Finance (Not Investing) • Re: Please explain this to me (using an...
In addition to fees, you also have credit risk if something should happen and installments are not paid as agreed.As usual, there is no free lunch and doing a cost-benefit analysis may be...
View ArticlePersonal Investments • Re: What's the deal with Fidelity's FDVV?
When I backtest FDVV vs. VOO using Portfolio Visualizer, from 2017 through today, VOO wins. Only when I change the start year to 2021 does FDVV win. That's not enough time for me to conclude "yes,...
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