Personal Finance (Not Investing) • New York tax question for distribution on...
Well add me to the list of folks that received a letter this past Friday. On Monday, I jumped on the NY State site and posted my rebuttal. I also have an inherited IRA that I have to take RMD's from...
View ArticlePersonal Finance (Not Investing) • Juggling two houses - trying to sell one
You don’t have a problem selling the house. You have a problem getting the number you want. You could take $640k and move on. Only you can decide if it’s worth waiting for the spring. No one is...
View ArticleInvesting - Theory, News & General • Vanguard chief says "You will...
I don’t think metals are comparable with bitcoin. Metals are actually used in industrial/other processes. Bitcoin can’t be used on any economic process (other than, grimly, money laundering)...
View ArticlePersonal Finance (Not Investing) • Whole life insurance cashout
My mother was sold a $5,000 whole life policy on me when I was 11. When I was 23, she wanted me to take over the policy. I declined, and advised her to cash out the policy for whatever the payout...
View ArticlePersonal Consumer Issues • iMac M3 or M4
I'd recommend:* Baseline Mac Mini M4. $100 off if you qualify for edu discount. Don't pay a penny for any upgrade above base config.* 27" Dell 4k Monitor:...
View ArticlePersonal Finance (Not Investing) • Homebuying- Am I being too Practical??
New house is fine. Couple comments 1) 3+ acres is quite large for all but largest riding mowers, you are more into the tractor size 2) 3.5 acre lot is in my no go range. Personally more than 1 acre...
View ArticleInvesting - Theory, News & General • "How to Make Your Money...
It looks like a wonderful book, thank you for recommending it.Statistics: Posted by Benjamin Buffett — Thu Nov 21, 2024 3:08 am — Replies 51 — Views 18687
View ArticlePersonal Finance (Not Investing) • If you self-insured for health, how did it...
I'll add a tidbit from a podcast I heard awhile ago that changed my perspective on health insurance. The goal of health insurance isn't to "maximize its value", in fact if anything the less you use...
View ArticlePersonal Consumer Issues • Cross-threaded License Plate Bolts
While I admire the "can do" attitudes of the Boglehead forum, I would take the time and effort to go back to the dealer and make them fix it "right". They messed it up, they should fix it. I'd figure...
View ArticlePersonal Finance (Not Investing) • Quitting job to work on startup ideas
Hey,I was the founder of a startup that shut down after ~3 years of operation, so maybe my experience could help you make a decision (if it's not too late already).Let me start by saying that building...
View ArticleNon-US Investing • Investment Policy for move to Poland
It seems a lot of the complexity (use of V60 the mixing with separate bond funds etc.) relates to trying to avoid taxes during rebalancing time.As someone in a potentially similar situation, I simply...
View ArticleInvesting - Theory, News & General • Has your lived experience influenced...
I learn to live below my means from my parents.I got interested in investing by a friend at work who was showing me how to invest in individual stocks. I picked up the interest and moved to a...
View ArticleNon-US Investing • FIREd US citizen moving to UK - preparing
And how do you estimate a 30% penalty? The expatriation tax is on deemed sales of assets with unrealized gains. Also, the amount that would otherwise be includible in gross income by reason of the...
View ArticlePersonal Consumer Issues • Carfax says my car is overdue for service
I have been getting emails from the car dealer where I bought my car and where I have it serviced. The emails contain a Carfax report that says the car is overdue for an oil change. However, when I...
View ArticlePersonal Investments • My AA to reach early retirement number
Does my AA make sense to reach early retirement number?Age 54 spouse 50Both employedHave reached retirement number for age 67Goal to reach early retirement number Hsa, 401K, rollover, roth, taxableAll...
View ArticlePersonal Investments • TIPS ETF
OK, some clarification (my original post had some info that I think got lost or overlooked).I'm looking at creating a duration-matched TIPS ladder or ETF setup. I'm on the cusp of retiring, and am...
View ArticleInvesting - Theory, News & General • My Favorite Alternative Funds
Take a look at the 4-3-2-1 portfolio vs 60/40 milque toast.https://testfol.io/?s=2GFixYd7vh0I was a little slow on the uptake. I did not recognize the fund ticker symbols, but now I see they reflect...
View ArticleInvesting - Theory, News & General • Reversion to the mean. What’s the...
My understanding of mean in this context has to do with the law of large numbers. Essentially, every quote one gets from the market can be seen as an independent random sample of what the price of the...
View ArticlePersonal Investments • 401K fund selection options
I'd keep it simple and just use the S&P 500 in this account. The performance of the S&P vs. Total US is so small you need a magnifying glass to see it on a chart. Not worth worrying about. The...
View ArticlePersonal Finance (Not Investing) • Landlords of BH, how to ensure that your...
Actually having a clogged air filter forces the system to work harder, and it can indeed damage the system or shorten its life. More resistance = more energy expended. HVAC techs will tell you the...
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