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Personal Investments • Implications on contributing to a Roth IRA when using...
Welcome to the forum. 1. We’d like to contribute to a Roth IRA this year and will need to use the backdoor method due to income limits. Are there any concerns we should have regarding the Pro Rata...
View ArticlePersonal Investments • Single Fund after retirement
To simplify things even more I am looking for a recommendation for a single fund once retirement. Here's a long BH thread on this topic. viewtopic.php?t=287967That thread is limited to holding a...
View ArticlePersonal Finance (Not Investing) • Engineers - when did your yearly raise...
Are you hesitant to test the market as suggested by several posters including myself? I think this is an important tool for anyone in their accumulating years. To be clear, it doesn’t mean you have to...
View ArticlePersonal Consumer Issues • What frugal thing did you do today?
Bought my car 11 years ago this month. It is still waiting for its first car wash of any kind. Received a natural one last night, being in a driving rain for about 40 minutes last night on the way...
View ArticleNon-US Investing • ETF discontinuation risk
Are you a non-USA investor? I'm not sure most posters here have the best possible advice for such products.Statistics: Posted by crefwatch — Thu Dec 12, 2024 8:20 am — Replies 2 — Views 224
View ArticlePersonal Finance (Not Investing) • RMD, then Roth Conversion - Does order...
Your transaction history for the IRA, which shows the order of the transactions and the amounts. That would be sufficient for the IRS should they ever be questioned. CheersStatistics: Posted by Silk...
View ArticlePersonal Consumer Issues • What are you listening to now
Here she reviews one of the most requested songs ever!As usual -- excellent.https://youtu.be/Q6VRmkNjFXQLynyrd Skynyrd, Free Bird - A Classical Musician’s First Listen and AnalysisStatistics: Posted...
View ArticlePersonal Investments • Best Ways to Optimize Mega-backdoor Roth Contributions...
vtjon wrote: ↑Wed Dec 11, 2024 9:32 pmMBDR is preferred over Roth salary deferrals because of the withdrawal rulesCan you please explain how the withdrawal rules differ between MBDR and Roth salary...
View ArticlePersonal Finance (Not Investing) • Donor advised funds. self managed, buy...
What's your current asset allocation look like? Asking for a friend.Statistics: Posted by valleyrock — Thu Dec 12, 2024 8:24 am — Replies 10 — Views 397
View ArticlePersonal Finance (Not Investing) • H&R Block 2024 software offer
Hi,I have an old Win 10 laptop but am getting a new Win 11 laptop in a few weeks.1) Is it advisable to delay buying and download to new computer rather than download to old computer and then deal with...
View ArticlePersonal Finance (Not Investing) • Fidelity HSA vs Bond funds vs California...
If you use a Treasury fund, then the only dividends you'll need to report on your CA taxes are the dividends from the stock fund.You still owe taxes on capital gains when you sell shares of the fund,...
View ArticlePersonal Finance (Not Investing) • Term Life - How much do I need?
I'm in the camp of insuring your income, not just covering your debts. Many people around here will want you to keep your spending fixed while your income goes up to $500k and bank the rest since that...
View ArticlePersonal Finance (Not Investing) • Investigating Chubb Excess Liability...
I would not assume this is the best policy for your needs given it sounds like you do not own a car, do not drive, own a rental property, and own vacant land. This puts you in a special case...
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Investing - Theory, News & General • Is the asset allocation skewed by...
Consider a portfolio of $100You have a Roth with $75 worth of Equities.You also have a tIRA with $25 worth of Bonds.On the surface, this looks like a 75/25 AA. But...The $25 worth of bonds in the...
View ArticlePersonal Consumer Issues • Looking for a cd-based sound system
Objective tests demonstrate over and over that there's no difference between a value-priced Best Buy CD player, receiver, etc. vs the hi-fi stuff. Except for speakers. Spend on some nice studio...
View ArticlePersonal Consumer Issues • Moving everything from old PC to new PC
Is it better than some other program, like EaseUS Todo, for performing the same task, if you have 2 Lenovos?Or just using an external hard drive to transfer files, and bypassing additional...
View ArticlePersonal Consumer Issues • Creating the ideal sleeping environment
Avoiding caffeine after about 2 PM, cold room, high quality sleep mask and white noise machine are my essentials. Details that seem to matter for me: 65 F seems to work best, summer or winter. The...
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Investing - Theory, News & General • Vanguard to accelerate wealth...
Great just means Vanguard will become more annoying about trying to sell you services. Somebody was cold calling a family member of mines, I had to do a internet search to see if this was a real...
View ArticlePersonal Consumer Issues • Former Windows users? [Considering a switch to Mac]
I have a 7-year-old Dell XPS that I thought would last a decade. But Microsoft thinks that's too old for Windows 11, so I went shopping for a new computer. (My kitchen table laptop, a 13-year-old HP...
View ArticlePersonal Consumer Issues • What’s the deal with turntables?
Now that is just hillarious. Do they like the cyclical click of the mechanism that rotates the spool of tape more than the annoying hiss of the tape? Perhaps I can finally unload the tape deck that I...
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