Personal Investments • Should we keep working?
Just wanted to post an update. I'm set to return to work from my leave of absence in a week. I've decided to cut back my time at work to 24 hours a week. Wife still wants to continue at full time for...
View ArticlePersonal Finance (Not Investing) • Can I afford to build a swimming pool?
30+ year pool owner. I have never really regretted having the pool and it is a blast when the grand children come over.I spend much less time maintaining the pool than I would on a similar area of...
View ArticlePersonal Consumer Issues • Neighbors Visiting Open Houses
We sometimes go to open houses in our neighborhood. DH likes to know what the going price is for a house like ours and I am looking for new decorating/storage ideas. I also look to see who has native...
View ArticlePersonal Investments • Where to park cash short term?
Is SGOV (Ishares 0-3 month Treasury Bond ETF) still the choice for parking cash I might need in 3 months? The yield (based on the 30 day SEC yield) seems to be 5.11%. Or since the Fed has pretty...
View ArticlePersonal Consumer Issues • "VISA" required for EU (US passports)...
Travel history usually refers to the last six months or so, and they are usually looking for what diseases you might have picked up.They're looking for possible contact with terrorist groups, not...
View ArticlePersonal Consumer Issues • State Farm Home Owners Insurance increase by 27%
I think that is the problem. CA, I believe, is one example of a state that has some sort of legislative caps which "force" the insurance companies to pass the burden to other states who don't do this,...
View ArticlePersonal Finance (Not Investing) • Quarterly Estimated Tax Payments (Form...
I pay my ES quarterly tax by cc. The fee is about 1.8%. I use my BofA premium rewards cc which gives back 2.625%. Never had any problems. I usually check to make sure that IRS received the payment on...
View ArticleInvesting - Theory, News & General • For those with all/most of their...
For those of us in the income/liability-matching camp, who have a large position - or all - of our investment in a TIPs ladder, what could go wrong? While I'm a fan of this approach, I also worry...
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Personal Consumer Issues • What are you listening to now
Now spinning: Steve Winwood - About Time - 2003I like the guitar work in Cigano (For the Gypsies).I also like Winwood's version of Why Can't We Live Together (Live) As fitting today as the day it was...
View ArticlePersonal Finance (Not Investing) • Is It Ever Worthwhile to Use Traditional...
The 12% bracket goes up to $123K for MFJ. If you would be paying 22%+ to put money into a Roth, it seems like you would still want some Traditional contributions.Would best bet then here be to split...
View ArticlePersonal Investments • Has anyone invested in an AQR Flex SMA?
AQR Flex SMA has many variants but here is the gist of the F145: Fund $1mm cash in a separate account in Fidelity via an RIA and AQR runs a long short book SMA that tracks the Russel 3k with about...
View ArticleInvesting - Theory, News & General • Do Dividends track inflation?
This is incorrect. Dividends more than kept up with inflation.Dividend yield in 1972 was 2.70%, S&P was 118.05 and the dividend was 3.19.2023. S&P at 4769 with dividend 1.46% at 69.69.20x...
View ArticlePersonal Consumer Issues • Constantly breaking toilet seats
One of the toilet seats keeps splitting. I was wondering if this could be the material. The current batch of seat appears to be some sort of foam type plastic. I wonder if it would be better to get...
View ArticlePersonal Finance (Not Investing) • Using HSA funds "immediately"
Non-HSA versions have less variability... I don't understand what you're saying here. Specifically, I don't see how the non-HSA plan on considering has less variability than the HSA plan.With a...
View ArticlePersonal Finance (Not Investing) • Back Federal Income Taxes
1. Call the IRS and ask about revising the payment plan.2. Call a bankruptcy attorney.3. Do nothing and eventually have wages garnished and assets seized.4. Get a job (or two) and pay them.Statistics:...
View ArticlePersonal Consumer Issues • How much time do you spend abroad in retirement?
Appreciating the comment right above about Thailand taxing foreign residents' worldwide income, would anyone happen to know what taxes are involved if a US citizen chooses to retire in Italy via...
View ArticlePersonal Finance (Not Investing) • Turbo tax desktop yearly IRS taxes...
I had other older windows computers(Dell and Hewitt Packard) in the past with UBS flash drives. But, the surface doesn’t have one.Statistics: Posted by thenow — Tue Oct 01, 2024 7:37 pm — Replies 17 —...
View ArticleUS Chapters • [Dr. Seuss describes the Bogleheads via ChatGPT]
I like the limerick and Groucho would be great on the moon, unlit cigar in hand. I thought the AARP had a good suggestion to ask the chatbot how Homer Simpson might explain quantum computing, a good...
View ArticlePersonal Finance (Not Investing) • Entry-Level Jobs with Pensions - What...
US Bank offers a 100% funded pension for its employees, but you need to stay there for a while to really make the most of itStatistics: Posted by mtwistercapitalist — Tue Oct 01, 2024 7:38 pm —...
View ArticlePersonal Finance (Not Investing) • Refinance Mega Thread
I bought my first house in May 2024 with a 7.375% rate (30-year conventional). I've gotten a quote for a refinance at 6.5% with no costs (and ~$500 net lender credit) for 30-yr conventional. This...
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