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Personal Finance (Not Investing) • Is My Sister a PAS Candidate?
My 64-year-old sister will be retiring from her FT job next year. She has about 500K saved for retirement. Talking about money (with me, anyway) makes her anxious. She is not a DIYer. We are both...
View ArticlePersonal Investments • What to do, my bank account is reaching 250k fdic...
1. You should not keep more than the insurance limits in a bank account. If the bank fails, you will lose much of the excess over the insured limit. Banks are not paying you sufficiently for that kind...
View ArticlePersonal Investments • Pro-rata and timing of rollover into IRA
Do not move the 403b until January as it will impact the Backdoor Roth with the pro rata rule this year. You might also considering converting the 403b rolllover to Roth next year just in case you...
View ArticlePersonal Investments • Leaving wealth manager->Tbills/CDs/MM?
Appreciate the fast responses! All excellent points. Completely pulling out of the stock market for any length of time may very will result in an unnecessary opportunity loss. Your father has been...
View ArticleInvesting - Theory, News & General • Reporter doing story - "VOO and...
Is there no Super Admin tool to crawl/search the entire posting history for the phrase?With Google search: "voo and chill" site:bogleheads.org - Google SearchNot much there. I tried adding a search...
View ArticlePersonal Finance (Not Investing) • Anything wrong with paying property tax...
Bill has to be large enough to make it worth doing.Worth it in what way? It's not like it requires any more effort than paying it through any other method.Statistics: Posted by avalpert1 — Mon Sep 16,...
View ArticlePersonal Consumer Issues • Water heater flush?
When we had a tank water heater we never did any maintance to it, although maybe that would have been a good idea.Regarding tankless, we've had Rinnai tankless for 9 years, it's been awesome, the...
View ArticlePersonal Consumer Issues • Hotel recommendation (or at least what area) in DC
Looking to book for a February trip….,( family of 5 )Narrowed down toEmbassy Suites: location looks decent, a lot of space, indoor pool, free breakfast Holiday Inn National Mall: free with ihg points,...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
Notes on an Execution by Danya Kukafkahttps://www.amazon.com/Notes-Execution- ... merReviewsIt's a read for my book club. Winner of the 2023 Edgar Award for Novel and many other recommendations. A...
View ArticlePersonal Investments • Reach a live person at Vanguard - ACH withdrawal...
Seems to me like not being able to quickly reach trained, knowledgeable customer service agents is a very basic yet substantial problem with Vanguard customer service. Such an agent, if one exists,...
View ArticlePersonal Investments • Retirement is imminent - are we ready?
Here's the details. Assets are $1.6M, 66% domestic stock, 27% bonds, 5% foreign stock and 2% short term. Of that $544k is in traditional IRAs, $714k is in brokerage accounts, and $312k is in a...
View ArticlePersonal Investments • Sell Rental Property to use proceeds into a REIT
This question is for a more real estate (specifically IRS rules) savvy person than I. Could the OP sell the condo and buy an appropriate REIT via a 1031 exchange?Deferring the capital gains would...
View ArticlePersonal Consumer Issues • Clay? On key slot on mailbox
HelloI just went to check mailbox and there was a brown clay on the key slot ( disc shaped )initially I thought it was a prank by a kid , but then I am thinking if it’s possible someone was trying to...
View ArticlePersonal Investments • SS plus annuitizing half of portfolio to cover living...
I did a quick check and Fidelity does offer an automatic withdrawal plan that you can use with your 401k plan to distribute money from your bond mutual fund. Here is the...
View ArticlePersonal Investments • Bonds in taxable accounts - BND/VCRB
Thanks. That's kind of what I suspected but wasn't sure (rolling ladder versus something like BND)If you are spending the dividends from the bond fund, then it doesn’t matter whether they are earned...
View ArticlePersonal Investments • Best strategy to manage inherited Roth IRA/Roth 401k...
What's the best strategy for a non-spouse beneficiary (ex: adult children) to inherit Roth IRA/Roth 401k funds with a trust in mind (trust would be listed as beneficiary of retirement account)?a)...
View ArticlePersonal Finance (Not Investing) • Retirement Planning Software that allows...
I have used, professionally, every major financial planning software that's out there (ok, exaggerating). But I've tried literally 10 various packages which are both designed for professionals and...
View ArticlePersonal Consumer Issues • Should I add a 240v outlet for future kitchen...
BTW here are other things to consider:1) Electric outlet near your toilet if you ever want to put in a bidet.2) In terms of plumbing, see if you can get access to shower fixtures from a closet3) Check...
View ArticlePersonal Investments • Using up the 0% LTCG bracket
This all totals to my AGI, lets say it’s $35,000.So far I haven’t accounted for my qualified dividends and the LTCG, let’s say these total $10,000. How much remaining head room do I have so that all...
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Personal Consumer Issues • Strange email from USPS about delivery to old address
Yeah, I poked around on Reddit and it seems like over the past months, a lot of people have experienced this. There are many worried threads on Reddit and people seem to mostly conclude these are real...
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