Personal Finance (Not Investing) • Can I splurge on a family vacation to Hawaii?
My thought: as long as we slide into age 70 with $1 in savings, we will be fine.Personally I would want a little more than $1 in savings at that age.How much would you want?Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • feeling stuck with kid expenses and this...
You only live once … when you are 63 like me you will realize right this second while yiu and kids are young is the best part of your life. Life is a journey not a destination … live like the farmer...
View ArticlePersonal Consumer Issues • [What TV Show Have You Recently Watched?]
I have begun watching another season of Survivor. I find the show interesting still, after 47 seasons. It has changed over the years.Statistics: Posted by TomatoTomahto — Fri Mar 08, 2024 10:38 am —...
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Personal Finance (Not Investing) • Promotion to the next level. How does it...
Whenever you´re being asked to jump through hoops, the goal is not to promote you but build up new hurdles to overcome and involve other people to make recommendations and decisions and the whole...
View ArticleInvesting - Theory, News & General • AlphaArchitect launches BOXX: 1-3...
Morningstar published an article on Tues, Mar 5 about BOXX:This Bond ETF Promises T-Bill Returns Without Taxable Income.There was no mention of the possibility that the IRS might challenge the current...
View ArticlePersonal Finance (Not Investing) • SSA possible reporting error?
Yes, it does sound like a reporting issue from your company. Consider calling the IRS to discuss how they view the doubled wages being reported (per your transcript) versus W-2 wages reported of half...
View ArticlePersonal Investments • One big charitable contribution to DAF
We did something similar. I retired in Dec 2007 and we donated a slug of appreciated securities into the DAF to cover the next 10 years at which time my pension started. It is a common...
View ArticlePersonal Consumer Issues • Drop Homeowner Ins- Self Insure
I have been considering self insuring my home for a long time. Today I received an email from American Family Insurance letting me know my rates are jumping 32%. That might be what I needed to help my...
View ArticlePersonal Consumer Issues • Interesting Price Differences For $4k Streaming...
Let’s see how many bogleheads are also tv-philesI agree with your antenna observation. We cut cable a while ago, get the major channels (and a lot of garbage ones on top) through a $19.99 indoor...
View ArticleInvesting - Theory, News & General • Margin Accounts - Avoiding 'Payment...
Why is it a issue they are usually grossed up to assume highest tax rate so you can actually come out ahead.Not all brokers do that.I had never heard of this before, but here is a link from Fidelity....
View ArticlePersonal Finance (Not Investing) • Projecting FI number. How much to add for...
This level of fine tuning is all well and good, but you will rejigger the numbers many times over 13 years. Laws will change, your priorities will likely change. Your work situation may even...
View ArticleInvesting - Theory, News & General • Maximum risk tolerance
I agree ^^^^. Investing in index funds and investing "only what I can afford to lose" don't go together.Generally true. The problem also is that bonds and even cash do suffer from unexpected...
View ArticlePersonal Investments • what to do with I Bonds
OP, I had about twice as much in I-bonds and I sold everything. I'm retired and continue to strive towards simplicity. Also, IMHO, the tax deferred benefits of I-bonds are overblown, particularly for...
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Personal Investments • Finally ready to improve, consolidate and own my plan...
Age:49 yrs, 11 mos, 1wk. About to hit 50. Desired Asset allocation: ?% stocks / ?% bondsDesired International allocation: ?% of stocksI'm not sure. It's why I'm here. I feel like I lost 15 years to my...
View ArticlePersonal Finance (Not Investing) • First bonus, taxed at almost 50%!
Back in my working days our bonus pay withholding was as follows:GROSS AMTTax RateTax Rate TypeFederal FIT22.25%Post 401kMedicare1.45%Pre 401kOASDI (SS)6.20%Pre 401kState CA10.43%Post 401kThis equated...
View ArticlePersonal Consumer Issues • Alaska trip without taking a cruise - help
Love the great responses so far - very much appreciate to answer some of the ?s that have come up : (will edit to add to original post once i figure out how to do that)1) yes - we have tried all of...
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Investing - Theory, News & General • Minimum TIPS lot size at Fidelity?
That purchase strategy of buying 1-5 bonds every month or so might be costing you in the long run. As an exercise, try getting quotes for 1-5 bonds and then 50 bonds and finally 100-200 bonds. If you...
View ArticlePersonal Investments • 1035 Exchange of Life Insurance to Annuity
Reducing the face amount of the policy might be particularly appealing if it is an older policy, written at a time when interest rates were high. Some may have very attractive guaranteed minimum...
View ArticlePersonal Finance (Not Investing) • Is HCOLA better than LCOL??
This is a personal preference. No right answerStatistics: Posted by muffins14 — Sat Mar 09, 2024 10:51 am — Replies 1 — Views 66
View ArticlePersonal Investments • Portfolio Advice - Helping Aging Parents
Sometimes a bad market or something can cause bad feelings about the changes. Could be a reason to favor Vanguard PAS or something similar.Statistics: Posted by mhadden1 — Sat Mar 09, 2024 10:53 am —...
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