Personal Consumer Issues • downgrade my internet service from 100Mbps to 300Mbps
We don’t have cable/fiber access in our neighborhood so have this wireless over the air internet and our plan is 30mbps - would Love 300 but we get by ok. Hope you fix your issue.Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Roth conversion at 32% bracket and...
If one has heirs, the taxes on a tax-deferred account will be paid. The only questions are: by whom and at what tax rate.Because of the SECURE Acts, heirs must empty tax-deferred accounts within 10...
View ArticlePersonal Consumer Issues • What's your opinion on EV for your tech challenge...
This is it. I would stick w an ICE vehicle with familiar controls. I feel for you. Your parents are from PRC? Or perhaps HK? The blinding speed of change in those places, to become some of the most...
View ArticlePersonal Investments • Single Stock Keep or Sell
Don't wait for some sort of rebound, because nobody knows if that will happen. The guaranteed benefit is that right now, due to the recent drop in price, there are fewer capital gains if you sell it...
View ArticlePersonal Finance (Not Investing) • Inheritance impact on Roth Conversion,...
Whether you “slow roll” or not the inheritance in 2025, any account income earned after the date-of-death belongs to the beneficiary and not on either the estate return or the decedent’s final...
View ArticleInvesting - Theory, News & General • Avoiding the black hole of investing
ll of this factor stuff could be completely wrong, but small cap growth still, as an asset class, has under performed consistently, as is expected by those factor models.This is doubly wrong. Again,...
View ArticlePersonal Investments • Need for reits if you own real estate?
My investment accounts are part of a portfolio that includes pretty extensive real estate holdings, all in the mid-atlantic region, concentrated in an NNN comercial property and a vacation rental...
View ArticlePersonal Investments • 100% in s&p 500 index in your 40s
The general vibe I get is no you shouldn’t be 100% s&p but that if you are going to make a mistake this is the one to make because there’s a lot of people doing a lot dumber things with their...
View ArticlePersonal Investments • Avoiding IRMAA for 2026
You have the easy ways nailed. You can re-buy the bonds in 31 days. I see where you're concerned with future RMDs from the 401k, but avoiding the cliff this year is your stated goal. You also say you...
View ArticlePersonal Finance (Not Investing) • Spit balling Medicare cost
Most of those really cheap Plan D premium plans are gone this year. That is a result of the Biden Admin cap of $2,000/year max out of pocket for drugs. The drug companies simply jacked up their Part D...
View ArticlePersonal Finance (Not Investing) • Share your net worth progression
I wish I would of kept track of this earlier in my life as its rewarding to see if you stay focused how fast things will grow! Wife and I are officially millionaires in our early 40s and I just...
View ArticlePersonal Consumer Issues • 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 — Replies 7514 —...
View ArticlePersonal Finance (Not Investing) • 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 — Replies 1 — Views 60
View ArticlePersonal Investments • 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 — Replies 2 — Views 111
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Non-US Investing • Bogle´s Portfolio for a Portuguese Investor - Seeking Help (:
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 • 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 — Replies 5 — Views 491
View ArticlePersonal Investments • 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 ArticlePersonal Investments • Performing a rollover from TSP to Vanguard?
TSP rollover document suggests they will send a treasury check to the new account. Is that always the case, or is there some other method that can be used? Should I create a traditional IRA account at...
View ArticlePersonal Finance (Not Investing) • Roth Conversion Plans went Awry
If you have an existing Roth account with a big enough balance, you could do a Roth withdrawal, put 99% toward taxes, then replace the funds within 60 days. I've heard/read about this, but haven't...
View ArticlePersonal Investments • Does it make sense to plan your 401(k) contributions...
Your parent’s money is not yours. Save your own. Any potential future inheritance will be a bonus.Statistics: Posted by DesertDiva — Tue Nov 26, 2024 7:19 am — Replies 11 — Views 667
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