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Personal Investments • Living off Social Security
Hi We retired with a conservative 30/70 asset allocation. Since 2016 or 2017 (I don’t remember when we fully retired), this has grown to 42/58%. We have about $400,000 or $500,000 more today than when...
View ArticlePersonal Finance (Not Investing) • Question about rollover IRAs and Roth...
Thanks for the info! I thought this was the case, I guess I misunderstood the video.The financial person who did the video might treat pro rata as always applying. A situation where 0% of a Roth...
View ArticlePersonal Finance (Not Investing) • Central AC blowing warm air
Living in the land of 30+ days straight at 115°F or greater, where A/C is a life or death matter, I have come to the conclusion that even the big, well known companies that get good reviews have about...
View ArticlePersonal Finance (Not Investing) • Former Employer Hasn’t Deposited 401(k)...
This is egregious and will likely result in substantial penalties for the company. I would call the 800 number on the EBSA website and discuss the situation with...
View ArticlePersonal Consumer Issues • What is the best way to experience/observe culture...
We do a few things.We often use Viator in foreign cities and go on various tours...most often food. They are almost always neighborhood places that we would have never found. We often travel with...
View ArticlePersonal Investments • 64 YO, advisor recomends 70/30 AA
I just ran into this thread, so I'm not surprised that there are some reactions coming from people who assume certain motivations by the advisor you talked to because he's an advisor at Fidelity. But...
View ArticlePersonal Finance (Not Investing) • Base Pay vs. Total Comp. - Strategy?
OP,In any negotiation, whoever offer the first number loses. So, don't be the first.KlangFoolOft quoted advice that has no research to support the claim. There are lots of scenarios where making the...
View ArticlePersonal Investments • Understanding Volatility during Retirement
Thank you so much! And how can I find the cost of this annuity?You enter that in the questions when getting the quotes. In the screen shot I shared, look in the red circle for "Amount".Statistics:...
View ArticlePersonal Consumer Issues • Recommendation for a hotel near LAX?
I'd vote for the Sheraton Plaza Hotel, where John deLorean was arrested for (allegedly) trafficking cocaine in 1982. It was then known as the Sheraton La Reina. He was in Room 501 when the deal went...
View ArticlePersonal Finance (Not Investing) • Side Hustle Payment Options
You really should have a separate bank account for business income and expenses, even if it's just a simple sole prop Schedule C.So if I am not planning to have to a different company I just create a...
View ArticlePersonal Consumer Issues • Getting smell out of car?
A family member used to be an auto detailer and he used to recommend sliced apples for a day or two in a vehicle for odor removal.Sounds crazy. But not only does this work, but it’s been around for...
View ArticleInvesting - Theory, News & General • TAXES on Tax Gain Harvesting ??
The capital gains and qualified dividends floating on top of income is what leads to the so called bump bracket where even though at 12% ordinary income tax rate the 0% space is full and every new...
View ArticlePersonal Investments • Critique my portfolio (please)
I like Tbills also. I did read through the Tax Efficient placement, as a novice...Where should a rolling Short term Tbill ladder, say 150k, be placed in my 22% bracket? Taxable or an IRA? Thank...
View ArticleInvesting - Theory, News & General • Vanguard's New Customer Service Chat
Seems to work well! Used it for the first time today.I still don't see it.Seems after a year they have not rolled this out widely yet.Statistics: Posted by beyou — Wed May 15, 2024 11:38 pm — Replies...
View ArticlePersonal Finance (Not Investing) • Property tax protest in Texas
Assessment = tax on unrealized gains.Your property goes up well great so what I care about the value when I sell but increases taxes in the home I’m living in that is not for sale is what they are...
View ArticleInvesting - Theory, News & General • Vanguard Preparing to Tap Former...
... the website ... improved markedly in functionality in recent months.... could you give an example of a recent website improvement, and/or a link to another thread that describes the...
View ArticlePersonal Consumer Issues • How to move a modern TV without damaging?
2 people lift them by the edge, keep it upright. Nothing tricky about it.Yup, easy-peasy.Statistics: Posted by soretired — Wed May 15, 2024 11:56 pm — Replies 2 — Views 82
View ArticlePersonal Finance (Not Investing) • How do I improve my credit scores?
Why ?Statistics: Posted by nonnie — Thu May 16, 2024 11:41 pm — Replies 8 — Views 525
View ArticlePersonal Finance (Not Investing) • Recasting morgage - does it matter when in...
I’ve considered doing this in the past and my mortgage servicer said it takes up to 60 days for the recasted payments to take into effect. Might be worth calling them to confirm, and to not make any...
View ArticlePersonal Investments • Out of tax deferred space for fixed income holdings
Are you able to balance by withdrawing from portfolio by only selling stocks?My withdrawals are minimal and are currently just a bit of the dividends so no help there.Statistics: Posted by placeholder...
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