Personal Finance (Not Investing) • How Does Health Insurance Work for Elderly...
OP be careful, if you will bring him through family reunion (Form I-130) petition, you will have to sign an Affidavit of Support (Form I-864) as well. That means if the immigrant got any kind of...
View ArticlePersonal Finance (Not Investing) • Retirement: what was more expensive than...
Health care for my dogs is unexpectedly expensive.We own 5 dogs and foster/ rescue. Regarding dental- none of my dogs have been subjected to veterinary teeth cleaning and the $$. We brush every dog’s...
View ArticleInvesting - Theory, News & General • Shiller PE now near 37 - 3rd highest...
Well even if it is market timing, is that necessarily bad? Is allocating based on what the market landscapes present “market timing”? If my investment statement says I expect 4-6% real returns on...
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Personal Investments • Is my financial advisor cheating me? 1% fee
before you go it on your own, you should make sure you have the right etf tickers. I once bought VIGAX thinking for some reason that it was the Admiral Shares mutual fund version of VIG (it's actually...
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Personal Consumer Issues • How do you utilize AI (artificial intelligence)?
Current LLMs are the most efficient cliché generators (at every level — diction, interpretation, structure) ever devised. They are truly extraordinary in this regard. They also are exceptionally good...
View ArticlePersonal Consumer Issues • How much to budget for uk trip ?
We did 12 days in Europe last summer (London/Paris/Amsterdam) with two kids of similar age and total cost ended up around $15k. We didn't skimp, but also weren't extravagant. Coach airplane seats,...
View ArticlePersonal Consumer Issues • Family-friendly Spring Break recommendations?
Looking for different ideas on Spring Break travel for my family - wife, 2 kids (ages 4 and 6), and elderly parents (78 and 82).When we had a wide variety of ages like that, we did a lot of vacations...
View ArticlePersonal Finance (Not Investing) • Not seeing the value in maxing 401k
Now that we are north of 59.5, we really see the advantage of doing things that way. In the years leading up to 59.5, by maxing the 401k, it created taxable income space to do Roth conversions (we...
View ArticleInvesting - Theory, News & General • Margin Accounts - Avoiding 'Payment...
Here is a response from IB regarding PIL with their Stock Yield Enhancement Program:"Stock Yield Enhancement Program shares that are lent out are generally recalled from the borrower before ex-date in...
View ArticlePersonal Finance (Not Investing) • Reducing W4 withholding to reduce safe...
You are not supposed to claim salary withholding that only suffices to meet the safe harbor. When you file the W-4, you certify that you are entitled to the withholding that you claim, and the IRS...
View ArticlePersonal Investments • Did I mess up my backdoor Roth?
Woops, it was $8,000, not $7,500.Statistics: Posted by renter — Sun Oct 06, 2024 11:09 pm — Replies 7 — Views 329
View ArticlePersonal Consumer Issues • "What did you do today that was a good...
I spent the day playing basketball. About $200/year for league fees, and a pair of $100 shoes each year, to do something both healthy and fun 3-4x per week.You are how old and playing 3, 4 league...
View ArticlePersonal Finance (Not Investing) • Fidelity NetBenefits account hacking
I don't understand how having a landline associated to your Fidelity account is a risk. I have both a landline and cell phone with Fido. On the occasions when SMS didn't work or was S-L-O-W, the "Call...
View ArticlePersonal Investments • Why are my Vanguard bond ETFs all down?
- I hired a fiduciary financial advisor (whom I researched beforehand very well, checking his credentials, his standing on FINRA as well as state regulatory agencies, and more) for a one-time plan,...
View ArticlePersonal Consumer Issues • Does Interest Compound Daily in VMFXX?
Paid Monthly - Accruing DailySold Friday. Goes into settlement account till Monday.Thanks. I can't check my account at this time. Settlement account is a money market account? Means I will earn...
View ArticlePersonal Consumer Issues • Good decisions that paid off for you 60, 70, 80, 90+
We learned a lot by helping our parents in their later years, from taking them to the doctors to managing their trusts for them. Most of our elders turned over trustee duties to their successor...
View ArticlePersonal Finance (Not Investing) • What did you do today to increase your...
Like livesoft, I am also retired. So I didn’t do that today. Here is a very common scenario that I’ve seen people fall into at multiple companies. They get too comfortable. They become masters of the...
View ArticleInvesting - Theory, News & General • Now that long TIPS yields have...
is there a theoretical limit for how high real yields can get?If inflation were to become incredibly high, uncertainty could drive real yields in either direction and daily swings would be incredibly...
View ArticlePersonal Finance (Not Investing) • Cash gift from overseas parent
Had some experience with this in the past helping someone else and did some research.Gift are not income taxable, even if it's from a US citizen. What happens is if it goes over the annual limit for...
View ArticleInvesting - Theory, News & General • Modified versions of HFEA with ITT...
However, I don't need data to tell me the probability of a 90% loss is greater over 30 years than it is over 5. The probability of a major natural disaster or social/political upheaval event is...
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