Personal Investments • Mega Backdoor Roth/Roth IRA question
I think once you read the instructions for line 22 (contribution basis), you will see that it says exactly that.And once you read the instructions for line 24 (conversion basis), you will see that it...
View ArticlePersonal Finance (Not Investing) • Any reason NOT to become a citizen?
"I hereby declare, on oath, that I absolutely and entirely renounce and abjure all allegiance and fidelity to any foreign prince, potentate, state, or sovereignty, of whom or which I have heretofore...
View ArticleInvesting - Theory, News & General • Emergency fund break even point
I feel squeezing extra return from your emergency fund runs counter to its purpose, which is cash in an emergency. People have emergency fund so they don't draw from their long term portfolio. This...
View ArticleInvesting - Theory, News & General • Shiller PE now near 37 - 3rd highest...
And the long term average prior was close to 12% annualized Since the dot com bubble it was less than 8%And internationally 4.5% during a starting period where CAPE was in excess of 40The predictive...
View ArticlePersonal Finance (Not Investing) • Considering asking for old job back
I’m leaning towards asking my old firm for my old job back. I feel like a damn fool but this isn’t what I signed up for.Directly ask if you could return. A humbling experience. No excuses, no blame....
View ArticleInvesting - Theory, News & General • Best Fixed Income TIPS and...
VGIT + VAIPX, in a 50/50 ratio. This is what I have settled on for myself when faced with the same question.I also do this. In the end both have very similar returns, but the TIPS seems to have an...
View ArticlePersonal Finance (Not Investing) • Disadvantages of doing trust
Your friends are very likely talking about revocable trusts for probate avoidance. Likely also including some residual trusts for after death, but those can be included in a revocable trust or will....
View ArticlePersonal Consumer Issues • Fixing dead TV
So as of now, tv is opened up. Board is removed. I'm not getting power across the fuse. Before I start to desoldier anything and replace, there is (allegedly) an old school electric/TV repair shop...
View ArticleInvesting - Theory, News & General • TIPS when to/not to pull trigger...
And how would a TIPS ladder prevent loss? Your bond fund is down because your holding drop in value, but if you have a bond ladder, each bond will also drop in value. Bond ladder are harder to...
View ArticlePersonal Finance (Not Investing) • Chase Sapphire Preferred (or Reserve) as...
I have Bank of America preferred rewards and upgraded to the Premium Rewards Elite card this year, from the regular travel card. The cash back is nice, but it's a lot of hoops to jump through to get...
View ArticlePersonal Finance (Not Investing) • aging-at-home vs nursing home for the kinless
Boglehead GerryL has some of my favorite posts on this subject. Here’s a sample:Actual experience in a Virtual Village / Elder Village (an organization that provides services to allow older folks to...
View ArticlePersonal Consumer Issues • What Book Are You Currently Reading? Part VI
Has anybody read any Jeff Vandermeer books?I just read some reviews and they seem potentially interesting.If you have read them, what did you think?And if you like them, which would you start with?I...
View ArticlePersonal Consumer Issues • Good Modern Science Fiction
Has anybody read any Jeff Vandermeer books?I just read some reviews and they seem potentially interesting.If you have read them, what did you think?And if you like them, which would you start with?I...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
The dome light switches on my boat all failed over the course of a week long trip. The plastic guts rotted out over 25 years from all the heat put out by 18watt incandescent bulbs.I buy 3 new high...
View ArticlePersonal Finance (Not Investing) • Mom is in assisted living. What about her...
Maybe. It can vary depending on whether the property was in a community property state or not. Also, how they held the property might matter.My parents lived in a community property state and owned...
View ArticlePersonal Investments • Will not need RMDs -- what to do with the $$$s
I think unwitting_gulag has been yanking everyone else's chain, apparently with some success given the replies. And if not, well, perhaps he is Jacob Marley's ghost, who said to Ebenezer Scrooge: "I...
View ArticlePersonal Finance (Not Investing) • Can I afford to give up my job?
You have a good paying secure job. Don't quit it unless you find a better one. The security of having a good job might not be appreciated until you no longer have it.Statistics: Posted by Tracker968 —...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
US Bank was initially unable to open a checking account for me a few weeks ago and the customer service rep I spoke to indicated that it was because I needed to unfreeze Innovis and Sagestream. I was...
View ArticlePersonal Investments • Help with portfolio
Looking for clarification. When I sell my assets, and my husband's in our IRAs, I notice that only some of the money goes into the money market/"settlement fund" and the rest is laid out as a credit....
View ArticlePersonal Investments • Bond Fund
@gjohn,You are being only told half the story above. Bond funds can fall even if the rates are falling, and can rise even if the rates are rising. It is not necessarily true that if the rates rise the...
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