Personal Consumer Issues • Re: Aging in Place: Yard: From lawn to pollinator...
We redid the turf portion of our lawn with fescue, clover, and some grass. It's great, always green, needs way less maintenance, looks better. Highly recommend. We also ripped out a portion of turf to...
View ArticlePersonal Finance (Not Investing) • Re: End of year Roth Conversion (Avoid...
Tax due for the conversion would be paid from my taxable account. With estimated quarterly tax payments, I would owe a significantly greater amount in Q4 compared to the other quarters. My concern is...
View ArticlePersonal Consumer Issues • Re: Ordering a Toyota...How does it work?
Probably won't help you in 2024, but my spouse ordered a 1995 Toyota Camry in a rare model from a dealer. It showed up and the dealer added some dealer-installed options and tried to charge my spouse...
View ArticleInvesting - Theory, News & General • Re: Static vs Dynamic Asset...
Just so folks aren't misunderstanding your position (it took me a while to figure out what you meant), you intend that the opposite of decreasing your allocation during high volatility to mean that...
View ArticlePersonal Consumer Issues • Re: Lien Notice After Full Payment for AC Install
Hi everyone,I need advice on a mechanic's lien notice I received in Minnesota.Any guidance would be appreciated. Thanks!Went through a similar situation a handful of years back where I thought a lien...
View ArticlePersonal Consumer Issues • Re: Items that are worth the money for the quality
The ones on Amazon are the mass market models sold under the Edifier brand. Edifier purchased Stax in 2012 but didn't introduce any downmarket products until recently. "Real" Stax headphone sets (they...
View ArticlePersonal Finance (Not Investing) • Re: Wife has a SS question...
Please do the calculations. At your ages I'm presuming you likely both have at least a 35-year earning history. I'm in my early 50's and have 35+ years of earnings and being past the second bend point...
View ArticlePersonal Finance (Not Investing) • Re: New York tax question for distribution...
Note: If there is more than one beneficiary, the exclusion is prorated to the same percentage share as the distribution.I suspect this is what NY is questioning you about.Lets say there were 4...
View ArticlePersonal Investments • Re: New User, Please Review my Portfolio
I am relatively new to the forum as well but here are my thoughts. 1. I feel behind on savings for my age, particularly since I have no joint income nor home equity. If I hypothetically stayed single...
View ArticleInvesting - Theory, News & General • Re: Monte Carlo suggests 100% stocks...
Most ironic thing about this forum is the staunchest supporters of 4% are now themselves sitting at 50x and the reasonable discussion always ends up with bragging about how much one is over the 25xThe...
View ArticlePersonal Finance (Not Investing) • Re: Juggling two houses - trying to sell one
OP, sorry you’re in this situation. Unfortunately what I’ve seen is that middle market homes like the one you describe in the NY area are seeing price cuts. The house across the street from me listed...
View ArticlePersonal Consumer Issues • Re: Digging to find piping on your property!
I thought I answered this awhile back.Call plumber with Ridgid Seesnake, transmitter, and locator.Put Seesnake camera in line, turn on transmitter, turn on locator, and locate.Should be able to put...
View ArticlePersonal Investments • Re: best broker as of now
I use Citi which gives me medallion signature guarantees, and many other services in my local branch in person.They have every conceivable banking service and all for no fees if you leave a decent...
View ArticlePersonal Investments • 130k Roth Conversion
We are 5 years of from RMD starting at age 73.2024 income of slightly less than $100kOur plan is to use existing cash for a roth conversion in the 22% tax bracket.22% tax bracket, married filing...
View ArticlePersonal Consumer Issues • Re: iMac M3 or M4
I have both M3 and M4 iMacs. Both maxed on memory (24GB on M3, 32 GB on M4). 1 TB disk on both. I cannot see any material difference in speed or performance. M4 offers nano texture screen as someone...
View ArticlePersonal Consumer Issues • Re: Favorite Caribbean vacation destinations?
St. Lucia would be my pick in the Carribean. Beautiful mountains, jungle adventure options and good snorkeling/diving. The only downside probably is you don't get the white sand, clear blue water...
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Personal Finance (Not Investing) • Re: Bank of America promo: extra 2%/2x...
Same situation, costco/ccr. Going to give it a week to clear up.As predicted, with no action taken, BofA has added the extra cash back. Yes. Agreed. I see my bonus from 11/7 posted today. Even though...
View ArticleSpain • Re: Tax residency
I'm not qualified to answer your questions, but note that the U.S. doesn't really consider you a tax resident or not, they tax citizen's worldwide income. You can avoid some tax via the Foreign Earned...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Will the 4% turn to 3% if your balance goes below $100k? I expect it will and if so I'm curious if the higher percent goes down just as fast as it went up.Per the previously posted detailed language,...
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Personal Investments • Re: Portfolio Review: Starting late, Seeking Boglehead...
No. I fixed it for you. Read this: https://www.physicianonfire.com/international-stock/, as well as similar articles on Whitecoatinvestor. Thanks will read through What defines tax efficiency is the...
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