Investing - Theory, News & General • The Final, Definitive Thread on...
I guess they didn’t care too much about my money?what happened to the "$3.5K bonus" in your OP? was that just a typo/misunderstanding?New account holders get better deals. Not unusual.Statistics:...
View ArticlePersonal Consumer Issues • Any tips about owning a bunny?
I notice that when I give food to the bunny, he often sniff and then ignore it, only to eat it later. This is true for veggies and fruits. The only exception is dried fruits, which they snaff up...
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Personal Investments • Future retirement
Forgot some information, 80k annual income, Mr 60, wife 20, living expenses only, no debt, all assets owned, again, very frugal!Thanks in advance!KevinI completely misread this and thought it was "Im...
View ArticlePersonal Finance (Not Investing) • Taking distributions from contributions...
Withdrawals from the Roth 401K must be prorata so that could have been confusion by the financial advisor. However, you can roll to a Roth IRA then withdraw the contributions. This assumes that your...
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Personal Investments • Portfolio/Capital Distributions
I'm wondering if I should worry about capital distributions long term (20+ years) with my portfolio described below. I don't intend on retiring for another 20+ years. I do have overlap in several...
View ArticlePersonal Consumer Issues • 3 Computers: Best way to liquidate/sell.....????
Difficult to find places to even donate, and there is going to be a glut of folks doing what you want to do. What we did was to transfer data and remove the hard drive, put it in the attic where it...
View ArticleInvesting - Theory, News & General • Roth/Backdoor/Limits
On top of this, on years where I may not be sure I can wait until April 15th to contribute to Roth directly, as in for tax year 2025, if I fear the MAGI limit might be exceeded for direct...
View ArticlePersonal Finance (Not Investing) • roth conversion in January estimates tax...
Wondering if anyone knows as the internet rife with info but not answers. If I make a $100,000 Roth conversion in January 2025, can I make a lump sum estimated tax in Q1, or must I spread it out...
View ArticlePersonal Consumer Issues • Philosophy Book Feedback
.....He has arranged for the book to be given away as a free download through Amazon starting Friday 12/13 until Sunday 12/15 for anyone who might be interested in reading....
View ArticleInvesting - Theory, News & General • Rob Berger tested out Monte Carlo on...
Assumptions and inputs.What they ask you for, and what they don't ask you for (assumptions).How they ask you, so that you can find where to enter it.Accuracy, uncertainty, and consistency of what you...
View ArticleInvesting - Theory, News & General • A Simple Bogleheads Retirement Using...
FiveK, in October 2023, you wrote:With the 3.2% COLA announced recently, the age 70 estimate goes up to $2,446 for next year.The hypothetical retiree has reached age 70 in June 2024 and, consequently,...
View ArticlePersonal Investments • Is psychology the only reason to not stick with 80-20...
Seems OK OP. The other factor though is amount relative to expenses - The closer I am to having only the amount I need to retire (say 25x expenses is my minimum) the more conservative I'd personally...
View ArticlePersonal Consumer Issues • Austin Texas > Things to do
Great spot for all those things. Too many to list but some of my personal favorites:Breweries- Zilker- Pinthouse (Electric Jellyfish is like the official IPA of Austin)- Live Oak (Pilz)- Meanwhile...
View ArticlePersonal Investments • backdoor roth and income
You don't have to be over the income (MAGI) limit to use the backdoor Roth strategy, but as you seem to be aware, it's better if you already know how to fill out IRS Form 8606. Some tax preparers are...
View ArticlePersonal Finance (Not Investing) • Scammer wired $900,000 from our account to...
A colleague's husband is the CFO at a PE firm. He got Secret Service involved when a wire scam took them for a few million bucks. I don't know most of the details, but the funds were recovered. I do...
View ArticlePersonal Finance (Not Investing) • Should I Open a Solo 401(k)?
While you will lose out on QBI, I am fairly certain you don’t pay FICA on the employer contributions.This may be true for an S-corp (I think it probably is, but don't have personal experience), but if...
View ArticlePersonal Consumer Issues • Shipping vehicle Minnesota to Florida
I shipped my 5800lb SUV from Florida to Colorado a few months ago.I did a little research beforehand and saw several brokers recommended over and over so I got quotes from several of them.Sherpa...
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
(New member DoubleDose has a question about keeping Merrill Lynch Guided Investing but dropping the advisor - [Dropping Merrill Lynch Advisor])Statistics: Posted by oldcomputerguy — Sat Dec 14, 2024...
View ArticleInvesting - Theory, News & General • Comments on paper "The Death of...
I came across the paper "The Death of the 4% Rule: New Market Conditions and Retiree Needs Require Rethinking Retirement Spending" published spring 2024. In the process of reading and digesting their...
View ArticlePersonal Finance (Not Investing) • Do I owe NYS tax on Roth Conversion, if...
Hi. Let's say I moved to FL in 2023, having lived and worked in NYC for 30 years, where I amassed a large TIAA 403b. In Dec. 2024 I did a large Roth Conversion from that 403b. Do I owe NYC/NYC income...
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