Personal Finance (Not Investing) • Health insurance - hip nation
I’m trying to figure out health insurance for a baby coming in November.From what I’m seeing, health insurance premiums are around 1,200 a month and then your responsible for the first 15-20k so you...
View ArticlePersonal Finance (Not Investing) • Re: Can a FIRE person receive social...
Disability coverage is important since a disabled person can incur much greater living costs.In general, disability coverage, be it from social security or a private insurer, is meant to replace lost...
View ArticlePersonal Consumer Issues • Re: Help understanding new car purchase
Be prepared for the dealer to NOT accept your trade in. I purchased a new car 4 years ago and the dealer refused to accept my trade in. They said it wasn't' worth the hassle to sell it at auction. We...
View ArticlePersonal Investments • Re: Home Equity in Asset Allocations
When calculating AA how does one compute the potential liquid cash value of home equity. Lets say you could downsize your non mortgaged primary residence and cash out 500K of home equity and use the...
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Investing - Theory, News & General • Re: [Are] Bogleheads Tilters and...
[...] Just because you have a lot of master-highlighted Thomas Kinkade prints on your walls, which you bought as investments, does not mean that I need to have some, too.A cruel thrust ... Statistics:...
View ArticlePersonal Investments • Re: When rolling over a traditional IRA to a Roth, can...
I've posted this in other threads but one often overlooked reason for having money in Roth IRAs is it lets you uncouple cash flow from taxable income. We have enough in Roth now that we have a sudden...
View ArticlePersonal Investments • Re: Vanguard Wealth Management for clients having 5 M...
This is exactly why my eggs are not in one basket. If I want advice, I will seek it out.Statistics: Posted by Retiredrocketbuilder — Sat Sep 28, 2024 9:22 pm
View ArticlePersonal Finance (Not Investing) • Re: Question for those who have sinking funds
Sinking funds?What's that?My view is that it’s saving ahead for semi-foreseeable (you know they’re going to happen, just not necessarily when) lumpy expenses. New roof. New fridge. Substantial car...
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Personal Consumer Issues • Re: What are you listening to now
Our final piece of music this week in the old dash inside the house is Beethoven’s 3rd symphony "Eroica". I was surprised how fast it made time fly. Tomorrow we’re going back to good old rock n roll....
View ArticlePersonal Finance (Not Investing) • Re: 529 to Roth IRA Conversion before...
Yeah, I doubt they'll earn much in high school so will just plan on depleting the 529s on qualified educational expenses during my oldest's freshman year. My guess is we'll have $200k+ in college...
View ArticleInvesting - Theory, News & General • Re: Total Portfolio Allocation and...
Is there a way to input a future windfall into the tool?e.g. at age 60 add $100,000 to the portfolio.Just do it as a $100K income stream that lasts 1 month starting at age 60.Can’t add saving after...
View ArticleUS Chapters • Re: How would you describe the Bogleheads?
I like the limerick and Groucho would be great on the moon, unlit cigar in hand. I thought the AARP had a good suggestion to ask the chatbot how Homer Simpson might explain quantum computing, a good...
View ArticlePersonal Finance (Not Investing) • Re: Fidelity Fed Up!!! [Transfer advice...
If you do an ACATS transfer, the company holding your assets is supposed to transfer your money without delay, and it’s the responsibility of the receiving company to verify that the request is...
View ArticlePersonal Investments • Re: Roth conversions to 32%, 35% tax bracket?
Along these lines, I am 67, single, no children, live in California and still working. I make pre-tax contributions to my 457b of about $24,000 each year. I currently have about 2.5 million in my...
View ArticlePersonal Consumer Issues • Re: What frugal thing did you do today?
Replaced the agitator drive hub on my Maytag commercial washer. Typical plastic junk where the teeth wear out. Did have to borrow an longer extension bar from a neighbor. $15 part, I am guessing a...
View ArticlePersonal Investments • Re: 529 Potentially losing value when it is required.
There aren't any tax implications for changing the investments inside of a 529...at least not if you are making qualified educational withdrawals (as there are no tax implications periods at that...
View ArticlePersonal Investments • Re: Help Please - ROTH Conversion Advice
Total Annual Wages: $264,000.........2023 Tax Information:AGI: 180KTaxable Income: 152kEffective Federal Tax Rate shown on Turbo Tax: 11.94%You need to focus on your marginal tax bracket and what your...
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Investing - Theory, News & General • Re: Do Dividends track inflation?
Here is a graph of what the inflation-adjusted balance and income of an account in the Vanguard 500 Index Fund. The account had an initial balance of $10,000 at the end of 1976, income distributions...
View ArticleUS Chapters • Re: Forming Frisco-Mckinney-Plano-Allen Chapter
Any progress?Statistics: Posted by Rookie expert — Sun Sep 29, 2024 9:32 pm
View ArticlePersonal Investments • Re: IRA-poor?
mikejuss - just for the record - nearly all S&P 500 index. We did hop out/hop back in one time on a sell/buy signal from Bob Brinker - maybe in 2000? Maybe that made more than a difference than I...
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