Personal Finance (Not Investing) • Slott: The Big Retirement Myth
Doing Roth conversions when one's at the top bracket really makes no sense, for example in 2017 with tax brackets: Fed 39.6%, CA 11.3% = 50.9% 2022 with tax brackets: Fed 37%, CA 11.3% = 48.3% (Plus...
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Personal Investments • Cash at Fidelity
Now I have embraced laziness and don't bother, my cash holdings are a rounding error on my portfolio, so even if they returned 100% for years, it wouldn't move the needle much. You sure about that?...
View ArticlePersonal Investments • Contributing to 2008 Roth IRA after retirement; What...
Welcome to the forum. It's a great place to learn. Once you post the specifics of your portfolio, folks will be happy to point out where you might be able to make improvements. For Roth Conversions,...
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Personal Consumer Issues • Kindergarten/Elementary School cutoff date dilemma...
My kid is in the same boat as the OP. About a month past the cut-off so one of the oldest kids. Just started K. Was in pre-k last year and was evaluated to be reading over a 3rd grade level, very into...
View ArticlePersonal Investments • Tactfully Leave Financial Advisor
I think that Ramsey's philosophy is great, when it comes to getting out of debt. He definitely casts a wide net—one which is not intended for Boglehead types. The investment advice honestly feels a...
View ArticlePersonal Finance (Not Investing) • Small medical bill in dispute - collections
Heard back from the state regulatory agency today and they are declining the case saying they don't get involved in billing disputes. In my complaint I made it extremely clear this was a fraud...
View ArticlePersonal Finance (Not Investing) • Should I increase my GUL coverage?
I was thinking that $375 a month for say 35 years returning $3.5m at the end - that’s a really good return on investment? If I put that in the market it wouldn't return that?Statistics: Posted by...
View ArticlePersonal Investments • Capital gains offsets and ACA subsidies
Just to be clear, the "you" and "your" in the posts above is plural, inclusive of your spouse. Their gains and losses will combine with yours, so you do need to consider them. Both spouses gains and...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Has anyone done Wells Fargo's Premier package bonus? The one that requires an in-branch visit. Any lengthy upselling at the branch?I have done this bonus twice, and currently waiting for the 2nd bonus...
View ArticlePersonal Finance (Not Investing) • Wedding gift
Our granddaughter is getting married in a couple of weeks. We plan to give them a cash gift. We don't know how they plan to manage their finances--separately or jointly. They reside in a community...
View ArticlePersonal Consumer Issues • BBQ cooking tips?
Nothing will beat the flavor of charcoal. And nothing beats the convenience of propane. Yet you can still grill up a delicious meal with that convenience. If you choose that convenience route, you...
View ArticlePersonal Finance (Not Investing) • Studying 3 months in England : advice on...
+1 on GiffGaff mentioned above.GiffGaff will actually mail a SIM to your US address so you can set it up before you leave.I’ve had a GiffGaff SIM for years and just keep it active for the frequent...
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Personal Consumer Issues • Money is no longer the problem…
This post was inspired by Christina Benz’s interview posted here:viewtopic.php?f=10&t=438153&newpost=801 ... ead#unreadIt feels weird to post this after 14 years on BH mainly focused on...
View ArticlePersonal Finance (Not Investing) • Insurance companies for Home and Auto -...
Checkout Comparion Insurance Agency: https://www.comparioninsurance.com/insurance-agent"About Comparion InsuranceIn 2022, Comparion Insurance Agency was created to transition former Liberty Mutual...
View ArticlePersonal Consumer Issues • Can a PhD graduate in Illinois collect...
I know this is not what you are asking but perhaps he/she will not be unemployed. In many departments with a good size Ph.D. programs, especially in science departments, it may be possible to get a...
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Personal Consumer Issues • Backpacking: National Parks vs Wildernesses
Mostly hike, but have done a few backpacking trips with friends (mostly two days and one night) out west and in the Appalachians. There is solitude, to a point, because you are still with other people...
View ArticlePersonal Finance (Not Investing) • Back Door AOTC [American Opportunity Tax...
Ok, think I understand... the tax rate depends on parent's rate. So, if the gains are short term, those higher (parent) rates will apply even if transferred and sold by the child...I did try using...
View ArticlePersonal Finance (Not Investing) • How to tell if social security number has...
Thank you for the helpful responses! I'll advise her to do the annualcreditreport.com, as well as Id.me, the three bureaus, and SSA.gov.Is there anything else she should do now?Statistics: Posted by...
View ArticleInvesting - Theory, News & General • Do bonds have less of a protective...
Loosely, when equities go down, bonds go up, and vice versa. Total bond and total equity indexes have not been negatively correlated historically as you suggest. These are uncorrelated... meaning the...
View ArticlePersonal Investments • Advice for advice for relative
My aunt (age ~55), just quit her job. Just wants to do some partime work/projects, and spend more time understanding her finances and investing.She asked to have a call with me about retirement...
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