Personal Finance (Not Investing) • Re: how much do you think you need to retire?
You retired at maybe the best time possible. Crazy stock market run-up means your net worth went up.But people in their 30s and below won't be so lucky. Far more headwinds in the near future. Rampant...
View ArticlePersonal Investments • Re: Does it make sense to plan your 401(k)...
No. You never know what can happen. They ado something crazy and spend it all, lose it all in a scam, give it all to some charity etc.Statistics: Posted by Brianmcg321 — Tue Nov 26, 2024 7:07 am
View ArticlePersonal Consumer Issues • Re: What are you listening to now
Soulshine benefit https://www.youtube.com/live/M3AShLeNf2 ... v9HNG8YyQ5Thanks! I was looking for a link just yesterday.Statistics: Posted by heartwood — Tue Nov 26, 2024 7:08 am
View ArticlePersonal Finance (Not Investing) • Re: Wells Fargo TOD
Review account online or go to branch to confirm TOD accurate.Statistics: Posted by J295 — Tue Nov 26, 2024 7:08 am
View ArticlePersonal Investments • Re: Social security credits and benefits
I will encourage her to earn the one credit in 2025. If Google is correct, it amounts to just over $1,800 in W2 income.Statistics: Posted by A440 — Tue Nov 26, 2024 7:10 am
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Non-US Investing • Re: Bogle´s Portfolio for a Portuguese Investor - Seeking...
Big thanks, @jg12345!I know, I know… I’ll think about switching from the SP500 to the MSCI ACWI or FTSE All-World. As for my wife, she’ll likely start with one of them, probably the Vanguard...
View ArticlePersonal Investments • Re: Fidelity zero funds
They are excellent for retirement accounts. I would not hold in taxable account.Statistics: Posted by aristotelian — Tue Nov 26, 2024 7:15 am
View ArticlePersonal Finance (Not Investing) • Re: QCD, RMD, Conversion
Dang it, I messed up. I believe the proper order of operations is:1. set up QCD2. take the balance of RMD if any3. do any Roth conversionsI messed this up and have done step 3 without having done...
View ArticlePersonal Investments • Re: How much Roth Conversion after retirememt?
I consider this once a year. So far I've converted up to the top of our current tax bracket every year. But that could change. Maybe.I like having a Roth balance. It means in lumpy years we can spend...
View ArticleInvesting - Theory, News & General • Re: Clarification on Passive...
There are varying opinions. However, passive in my mind is an instrument that follows a market cap weighted index. Factor funds are active. There are many good rules-based factor funds (I invest in a...
View ArticlePersonal Finance (Not Investing) • Re: Driving Weather
The Map and Hourly forecasts available from the local NWS office are pretty granular and the forecaster discussion gives you the context. I'm doubtful whether any source offering greater precision...
View ArticlePersonal Finance (Not Investing) • Re: Bank of America/Merrill Edge -...
Can you downgrade from PR to UCR and get a no FTF UCR?I downgraded my PRE to a UCR a couple months ago and can confirm no FTF following the product change.Thanks for the data point. How long did to...
View ArticlePersonal Finance (Not Investing) • Seeking Advice: Does It Make Sense to...
I’m considering selling my townhouse (1900 sq ft) and would appreciate some advice on whether certain repairs and updates make sense financially. The house has appreciated from $500K to $680K, and I’m...
View ArticlePersonal Finance (Not Investing) • Re: TurboTax 2024 software offer
No one knows what is needed to qualify for free TT from Fidelity. There is a mega thread on that topic.I look forward to a new thread on Fidelity Free TurboTax 2024,in 2025, when it is available. I...
View ArticlePersonal Consumer Issues • Re: Medicare Question from a beginner [federal...
One thing I didn't see mentioned. If a person doesn't have an employer sponsored health and prescription plan that are at least as good as Medicare and that extends past age 65, it is important to...
View ArticlePersonal Investments • Re: Allocation & Spending Calculators
Tpawplanner.com is the best I knowStatistics: Posted by ScubaHogg — Wed Nov 27, 2024 7:14 am
View ArticlePersonal Investments • Re: Brokerage accounts with best security, 2-factor...
Things have moved on a little now, if you are still using Fido keys I would suggest looking at Fido2 certified keys (as they are now needed if you are considering going down the passwordless...
View ArticlePersonal Investments • Re: FZDXX vs FDLXX
To expand on this slightly, FZDXX is the premium/chepaer version of SPAXX which has less interest from treasuries vs FDLXX. FDLXX has 90%+ that is state tax free whereas SPAXX/FZDXX is less (maybe...
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Personal Finance (Not Investing) • Re: Which bank for checking account
Just curious why you want to have a brick & mortar bank? I switched from BOA to Ally for checking in 2009 and haven't missed BOA at all. I keep a small account a local credit union. I can deposit...
View ArticlePersonal Finance (Not Investing) • Re: After two decades as a Boglehead I...
Thanks for sharing.Im going to study this as we need to implement this piece of the puzzleStatistics: Posted by Front Toward Enemy — Thu Nov 28, 2024 7:26 am
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