Personal Investments • Re: Annuity Question
Aging can have an impact on your ability, even for the most savvy. I personally saw an elderly relative who had been very prudent throughout his life succumb to scam after scam in his old age,...
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Personal Finance (Not Investing) • Re: KF Roth Conversion Plan
I am selling fixed income in taxable, there's no gains to speak of. This will reduce income and thus reduce ACA premiums. But in the case of the OP, perhaps I misunderstood what they meant by...
View ArticlePersonal Finance (Not Investing) • Re: Slott: The Big Retirement Myth
...Tax deferred accounts in the $1M-$2M range for a couple may not create all that big an RMD '"problem" over a long retirement to justify huge Roth conversions.Exactly - my wife and I will start...
View ArticlePersonal Finance (Not Investing) • Re: Lending money to a friend
"I am afraid a simple no would ruin everything." Your friend put you in a bad position. Its likely your friendship will change one way or the other, if it hasn't already.Statistics: Posted by...
View ArticlePersonal Investments • Re: Baby on the way: Investments for the newborn
The best give you can give them right now is life insurance to cover a death of you or your spouse. Once you have that in place, go get your wills and stuff done by an attorney, so that your child can...
View ArticleInvesting - Theory, News & General • Re: Why all the IRMAA angst? [IRMAA:...
I think it more fair to use the annual income to compute the bite of IRMAA instead of the assetsI disagree. If I am a centimillionaire but only manage to have $250K of income due to poor investment...
View ArticlePersonal Consumer Issues • Re: Heat Pump vs Gas Furnace in Bay Area, CA
I can't imagine you'd need the heat strips in coastal California. I went without them in Texas, and it handled a cold snap into the teens without issue (colder than it would ever get in the California...
View ArticlePersonal Finance (Not Investing) • Re: Need help deciding between a job with...
I think the whole pension thing is a bit more nuanced than either side of the argument makes it sound. You really need to investigate how well your pension is funded and what protections exist for it....
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Personal Consumer Issues • Re: Backpacking: National Parks vs Wildernesses
There is a line in Edward Abbey's wonderful Desert Solitaire I've always liked. Something to the effect of "I hope they never turn this place into a National Park, because then I won't be allowed to...
View ArticlePersonal Investments • Re: Tax Gain Harvesting
I own some VTMSX that's worth 5-6x what I paid for it, so with the recent rally in small caps, I sold off a slice and put the proceeds into the preferred stock of my former employer. Harvested some...
View ArticlePersonal Investments • Re: Best state 529 plan for fixed income
Other than cash and I-bonds, the fixed income in my asset allocation is limited to U.S. Treasury nominal bonds and TIPS - so I look for those in 529 plans as well.New York (as you know) and Virginia...
View ArticlePersonal Finance (Not Investing) • Re: I really hate my job. Can I retire?
Don’t consistently spend $200,000+ and there you go.The trick to early retirement is to know what your expenses will look like. $150,000-$200,000 but maybe more, maybe less since it’s not all that...
View ArticlePersonal Consumer Issues • Re: Kindergarten/Elementary School cutoff date...
Montessori is wonderful if you can afford the tuition and navigate the politics.What politics did you experience?Our kids' Montessori (AMS accredited) doesn't have any noticeable politics affecting...
View ArticlePersonal Investments • Re: ESPP advice
another bump here. just curious about the capital gain reporting.on the shares I sold I have a capital gain reporting of +4,106.49 and an adjusted gain of +1606.49. So does this mean 2500 of the gain...
View ArticlePersonal Finance (Not Investing) • Re: Future Inheritance
What is her tax bracket? And how does it compare to your brother and yours? If hers is lower relative to the heirs, the Roth conversions make a lot of sense. If her bracket is equal or higher, not so...
View ArticlePersonal Consumer Issues • Re: Money is no longer the problem…
As someone about 10 years younger, I am starting to shift my focus to health.Currently I have no problems mostly by luck and want to try to optimize for keeping it that way more...
View ArticleInvesting - Theory, News & General • Re: How should one think about bond...
Bond funds- convenient - liquidity - subject to market volatility - lack of transparency and control of duration With bond ladder with individual bonds, you have 100% control of duration and if you...
View ArticlePersonal Investments • Re: I Fired My Financial Advisor
In the last 90 days, I have learned so much about investing - particularly about fees. With my new found knowledge, I recently went through the arduous process of breaking ties with my Ameriprise...
View ArticleInvesting - Theory, News & General • Re: Any predictions on the next I...
If you're planning to buy the limit, I don't see how it matters. It's not as if you could buy $40,000 next year if you forewent buying any this year.Also, the beauty of I bonds is that they have no...
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Personal Consumer Issues • Re: [What TV Show Have You Recently Watched?]
.....Two others I've watched are "The Walking Dead" and "The Bates Motel". I thought those sounded like they would be really stupid but both were surprisingly good.I really enjoyed The Walking Dead...
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