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Investing - Theory, News & General • Is a 50% savings rate impossible...
No it is not impossible. The issue is that it is typically only possible afterpaying off all debt, including your mortgage, and getting the kids launched. This is often the last few years before...
View ArticleInvesting - Theory, News & General • Why all the IRMAA angst? [IRMAA:...
Does Cap Gains on sale of primary residence count as income for IRMAA?Statistics: Posted by FireISBorn — Wed Aug 14, 2024 7:00 pm — Replies 108 — Views 3767
View ArticlePersonal Investments • Giving With a Warm Sneaky Hand - Gifting "Left...
Definitely a first-world problem so no judgment, please.Dear wife and I will max out our 403/457 and MBR contributions by our August pay check. We anticipate we will have about $50k a year for the...
View ArticleInvesting - Theory, News & General • Google sheets pulling wrong etf for...
What if you use BATS:MTUM as the ticker?https://support.google.com/docs/answer/ ... oose%20oneStatistics: Posted by dukeblue219 — Thu Aug 15, 2024 7:09 pm — Replies 1 — Views 77
View ArticlePersonal Consumer Issues • What Movie Have You Recently Watched?
I thought it was incredible that the author of the Princess Bride ALSO wrote Lord of the Flies. Two incredible books yet the style and the skills necessary are so different the author must be a...
View ArticlePersonal Investments • Portfolio Review (For my parent's retirement)
What do you all think of a self settled living revokable trust (with my dad's brother as executor so it wouldn't wrack up legal fees) that maintains a steady asset allocation for my parents? Is there...
View ArticlePersonal Investments • Too Much in 529? Should I keep saving for tax benefit...
You can keep saving to get the benefits. I'd suggest a new account that you'd use last. The New account will have lower portion of earnings which is the only part that would be taxed and penalized in...
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Personal Finance (Not Investing) • Share your net worth progression
Started tracking in 2004:2004: 508k2005: 675k2006: 929k2007: 1.210m2008: 1.485m2009: 1.768m2010: 2.084m2011: 2.474m2012: 2.626m2013: 2.716m2014: 2.942m2015: 2.971m2016: 3.275m2017: 3.763m2018:...
View ArticlePersonal Finance (Not Investing) • Has anyone used software to write a Will?
By the way, one thing that I don’t think gets said nearly enough on here is that using an attorney for a will can both (1) protect your will against challenges and (2) prevent fraud by someone that...
View ArticlePersonal Investments • Cash holding in retirement
I'm newly retired by comparison (14 months) and when I approached retirement I had hoarded cash and had about 4 1/2 years in cash. This was in a HYSA at about 5%, then in my and DW's checking, savings...
View ArticlePersonal Finance (Not Investing) • How to Avoid Medical Bankruptcy?
Certainly even "good" insurance nowdays can leave you with some surprisingly big deductibles.Big for actually close to average people, but OP did say these people not long ago had close to $2mil in...
View ArticlePersonal Finance (Not Investing) • Want Thoughts On My Early SS Strategy
@KBR,Are you really denying the existence of the actual social security trust fund? https://ssa.gov/OACT/TR/2023/index.htmlStatistics: Posted by tj — Thu Aug 15, 2024 7:27 pm — Replies 36 — Views 2577
View ArticlePersonal Finance (Not Investing) • sanity check buy vs rent with a twist
i would stay put if i were you. you are behind on retirement savings. You now have $100k extra income to plow towards that and not a lot of time to do that. you are making some assumptions which may...
View ArticleInvesting - Theory, News & General • Diamond NestEgg
Have you watched Jen Lammer’s videos focusing on fixed income? She appears extremely credible and explains complex concepts clearly and concisely. What are your opinions?What does she tell you that...
View ArticlePersonal Finance (Not Investing) • Post-NAR Settlement Buyer Commission...
DW and I found a home in Western NC. We contacted a buyers agent and at the last moment, were presented with the requirement for 12 months exclusivity over a 12 county area before they would show us...
View ArticlePersonal Consumer Issues • Duffle Bag Recommendations (with specific...
Thanks for the recs. I'm thinking I'd like to keep the price point around $200 or less as I won't use it a ton.I see the Black Hole and North Face bags have double straps to carry like a backpack. But...
View ArticlePersonal Finance (Not Investing) • Opening bank account for brothers -...
Assuming you are staying well under the $18K annual gift limit, I can't see any issue. They aren't your dependents, your finances are irrelevant to their future college aid (loans or grants)... the...
View ArticlePersonal Consumer Issues • Apple phones/ E911 data
At minimum the 911 dispatchers get your name and location. Any medical info, special home access info, dogs on premises, etc is usually entered on the phone, landline or cell phone (assuming the cell...
View ArticlePersonal Finance (Not Investing) • 529 Payout for non-educational purposes
You probably know this, but if your gift was in the form of a rollover to a Roth IRA (subject to the limits, rules, etc etc), that would not be taxable for anyone.Yes, already plannedStatistics:...
View ArticlePersonal Consumer Issues • Shower no longer have hot water - need advise on...
Plumbing stuff does make me nervous due to the water shutoff. I have however shutoff the water in tne past for other reason so at least that works. I will see if there is a I can identify the...
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