Personal Finance (Not Investing) • Renting Until Retirement
Would you still disagree with the core idea if you subscribe to OP's expectations of 15% growth in RE as mentioned upthreadMy impression was that the OP (like many of us renters) felt excluded during...
View ArticlePersonal Finance (Not Investing) • Medical bill received 4.5 years after service
I think my son was 2 before we straightened out the billing for his birth.Granted they sent the first bill a few days after he was born. The rest of the two years was me asking them 50+ times to bill...
View ArticlePersonal Finance (Not Investing) • The reasons for having money outside...
So, roughly 97% of my portfolio money (that is, money not tied up in, say, my house, and money not in various emergency funds) is in my 401K. We could discuss the reasons, but what's done is done.I...
View ArticlePersonal Finance (Not Investing) • SSI $2k asset limit
Prepaying funeral expenses is one possibility and is not considered as hiding assets.Statistics: Posted by popoki — Wed Jul 10, 2024 10:52 am — Replies 3 — Views 145
View ArticlePersonal Consumer Issues • Suggestions for BH-approved (as in good value for...
So. . .it sounds like you're coming from a point-n-shoot super telephoto camera.Which means you're on step-1 of a 10-step ladder - each step representing about $2,500 in value.You will need about...
View ArticlePersonal Investments • Roth Conversion for 73 Year Old
For someone over age 70 (mid/late 70s), does the full RMD need to be taken before a Roth conversion is done?If so, why?Yes, because it is tax law. The entire RMD (which can include a QCD) must be...
View ArticlePersonal Finance (Not Investing) • Looking for advice...."nomadic"...
The other insurance aspects are something I'll need to think more about.Would you mind sharing your findings here when you look into homeowners/renters, auto, and umbrella insurances? I may want to be...
View ArticlePersonal Finance (Not Investing) • States with permissive change-of-residency...
If she wants to go to Utah, BYU is cheap. If she converts to Mormonism, she can get a further 50% discount.I wouldn't send my kids there and I live in Utah. College is hard enough without having a...
View ArticlePersonal Consumer Issues • Arborvitae care
If you don't mind me asking, how much is the total cost (tree + labor) of having an 8-10ft arborvitae planted? We've been thinking about planting some to replace a fence.We have found that planting...
View ArticlePersonal Investments • Practically speaking, how important is international...
I don't think this can be optimized over decades of unknown future returns and tax law changes. When I buy an asset class in taxable I intend to hold that asset class for the rest of my life, or at...
View ArticleNon-US Investing • Am I crazy to keep 100% stocks when I FIRE?
A 60/40 portfolio would only drop to $700,000 ($300,000/$400,000), AND you could pull the $40,000 from the bond side while waiting for stocks to recover. 5 years in, you'd be at $500,000...
View ArticlePersonal Investments • Odd occurrence with 403B contribution for June
Scotchbriar, thanks for the comments. At least I know it's not unusual for this stuff to happen. This is our first experience with any plan like this and didn't know what to expect. We are in a...
View ArticleClik here to view.
Investing - Theory, News & General • Revisiting the "Lost...
For the point of this discussion, that assumption seemed obvious. We are all aware that the economy and stock market are not one and the same. Seems like folk’s clamoring for a deep prolonged...
View ArticlePersonal Finance (Not Investing) • Any good recent mortgage experiences?
With the help of boglehead help our son got a 6.5 % 30 yr fixed recently from Kearny Bank in NJ It was about .25 % or more less than others were offering.Statistics: Posted by Parkinglotracer — Wed...
View ArticleClik here to view.
Investing - Theory, News & General • What would S&P500 be if market...
Things are worth what people are willing to pay for them. Something is overpriced if no one is willing to pay the price for it.Ah, but if only humans were logical in their decision making.Remember...
View ArticlePersonal Investments • Solo 401k or SEP IRA for Short-term Consulting Gig?
Thank you.Statistics: Posted by sirinme — Thu Jul 11, 2024 11:05 am — Replies 2 — Views 215
View ArticlePersonal Investments • Want to leave CFP and go DIY - Help!
Congrats on taking the reins of your financial life - you will be glad you did!The industry likes to use acronyms and jargon to make it seem more complicated than it is. The biggest predictor to a...
View ArticlePersonal Investments • Am I putting too much emphasis on reducing AGI?
I think we’d be lucky to get close to this income level for AGI within the next 3-4 years but curious question: Outside of 401K and HSA, how else can I reduce AGI?With a current AGI of $95K, you could...
View ArticleInvesting - Theory, News & General • How do you deal with the all time...
I just enjoy the ride. When it goes down, I shrug. When it goes down more for longer, like it did in 2022, I buy more if I can, and put my head in the sand.Statistics: Posted by pasadena — Thu Jul 11,...
View ArticlePersonal Investments • Change mid year to Roth 401K ?
3. No issue with a mix of traditional and Roth, but if you ever rollover the Traditional 401(k) into a Trad IRA, you will at that point be subject to pro rata rule so if you want to do backdoor Roths...
View Article