Investing - Theory, News & General • For Over-Savers: Now what?
For those out there that find yourselves with more than you "need" (e.g. +30X, 40X, 50X, 100X, etc) how do you proceed?1) Buy a bigger house, fancier car, more travel, etc2) Give the extra away while...
View ArticlePersonal Finance (Not Investing) • Lab work without insurance
Hello,I'd like to get more hassle free bloodwork done, specifically cholesterol and heart health related blood work, on a semi regular basis. I have an HSA, and was leaning towards that but in network...
View ArticlePersonal Investments • Mid-40s and wishing to leave megacorp life
I'm in a similar situation. Main concern is what to do with the free time given that kids are still in school (and I can't simply go travel the world). I tried to take a short sabbatical and realised...
View ArticlePersonal Investments • 17 year old looking for investment advice
*Get a good education.*Get a job.[...]Good advice. In the long run, wealth from investment is mainly determined by (i) how much you invest, (ii) how long you stay invested, and (iii) which asset...
View ArticlePersonal Investments • Taking your winnings
compounding in stocksAI OverviewCompounding in the stock market is the process of earning returns on both your initial investment and the returns you've already received. It's a powerful investing...
View ArticlePersonal Finance (Not Investing) • Estate Planning Question
I am sure you are aware the POA expires on death and you will have to get executor paperwork and probably death certificates to get back into things - so you may be locked out of accounts for a couple...
View ArticlePersonal Investments • Trying out backdoor Roth IRA for first time
You get an extra 1099-R for the conversion and you have to file Form 8606 to report the non-deductible contribution and the conversion, so the backdoor method is more complicated than the direct...
View ArticleInvesting - Theory, News & General • Why is gold increasing in value?
Gold offers a source of diversification relative to stocks and bonds. It tends to be a safe refuge in black swan situations such as loss of confidence in paper currencies, even the almighty dollar,...
View ArticlePersonal Finance (Not Investing) • 2 credit card breaches in 2 weeks, Europe
Could you have used the actual credit card number and security code on reservation forms?Statistics: Posted by furwut — Fri Nov 08, 2024 3:01 am — Replies 1 — Views 82
View ArticlePersonal Consumer Issues • 1Password to BitWarden....worth it?
I've subscribed to all 3 and my rank of user friendliness is: LastPass >>> Bitwarden >> 1Password.An example of the reason is LP seems to catch more new password forms (or existing...
View ArticleNon-US Investing • US Nonresident Aliens - Vanguard freezing legacy accounts
Do you have any experience how competive the foreign currency exchange rate on the schwab debit card is? I have read in other threads that visa adds 1%, that is calculated in. Do you have experience...
View ArticlePersonal Investments • VOO and Chill
...Hey, I just found out that since I'm not a US citizen, the estate tax wouldn't apply to me. My home country has no estate tax, so that's one thing I don't need to worry about. Just thought I'd...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
One aspect of the exceptionalism argument, is that our whole-haystack thinking.... has an exception. We do, come to think of it, have a defensible reason to concentrate in the US and to eschew a...
View ArticleInvesting - Theory, News & General • AOR-like fund but with shorter...
Well, I like the simplicity of the single fund portfolio, which has been discussed greatly in one of the threads. I don't want to have the temptation of messing with rebalancing, etc.They aren’t going...
View ArticlePersonal Finance (Not Investing) • 2024 IRS draft tax forms are available!
Yesterday I checked if draft tax forms are available for 2024. Everything I looked for was available! Instructions too. In previous years, draft forms were dribbling out until the end of the year.I...
View ArticlePersonal Finance (Not Investing) • Inheritance Questions - Splitting...
Co-own land— NoWith someone you don’t know—No +NoIn a nation run by Narcoterror Entrepreneurs—Sure, what could go wrong?Seriously, you are considering this? Politely decline and keep...
View ArticlePersonal Finance (Not Investing) • Warning: Positive LCE IRMAA decision...
In 2021 I had a LCE that resulted in large income that made me subject to IRMAA in 2023. 2022 income quite low. 2023 income ultimately higher than 2022 but nowhere near 2021.Assuming 2022 income was...
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Personal Consumer Issues • Thoughts on hearing aids
EZ James wrote: ↑Tue Nov 05, 2024 11:52 pmThe strongest Costco hearing aids (Phonak) did not improve intelligibility for me so I don’t use them.To survive this problem I found an app (CaptionCall)...
View ArticlePersonal Consumer Issues • Xfinity autopay: Gaming the system to get discount
A further update:I was able to build up a $285 credit balance on the account. Xfinity would reject payment attempts to reach $342. This let me prepay for one month less than I wanted - the intent was...
View ArticlePersonal Finance (Not Investing) • Salary negotiation/career advice requested
Ask for what you want, not the lowest you would accept, as if they counter again, it is by definition below your lowest reasonable offer. That may price you out of the market, but that might be a good...
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