Personal Consumer Issues • Credit Card Interest Accrual
If one pays off their credit card bill each month, but say they forget to pay on time one time, thereby triggering interest which will appear on next month's bill. If they pay off that next month's...
View ArticlePersonal Investments • Fee only investment advisor recommending Investment...
This IOVA seems pretty easily understandable. You put post tax money in, you withdraw as income after 59.5 and avoid any tax drag between. The fees are well defined and the expense ratios are...
View ArticlePersonal Consumer Issues • Relocate from MA to Irving TX after retirement
You should spend some time there during the summer and see how you like it.Statistics: Posted by david99 — Mon Apr 01, 2024 12:54 pm — Replies 10 — Views 369
View ArticlePersonal Finance (Not Investing) • Dedicated Financial Computer Master Thread
For those who have a dedicated financial computer, do you also have a dedicated financial mobile device? Or, never use mobile devices for financial transactions? If you need a dedicated financial...
View ArticleInvesting - Theory, News & General • Help me prove my theory that we can...
There are easier ways to guard against estate taxes and a much higher threshold on when they kick in though. At worst it’s a bad deal for my heirs, not me.The estate tax lifetime exclusion for a...
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Personal Finance (Not Investing) • Making sure I understand how capital gains...
Yeah something still doesn't make sense to me, playing with a different set of numbers:LTCG: $20KOrdinary income: $40K (below $47,025)LTCG are in the 0% tax bracketLTCG: $20KOrdinary income: $55K...
View ArticlePersonal Consumer Issues • Where are the best areas to stay in Phuket...
Just staying 5 days and then off to Japan. Would like to see the famous rock formations and visit some of the best beaches.Thanks,FortFunStatistics: Posted by fortfun — Tue Apr 02, 2024 1:03 pm —...
View ArticlePersonal Consumer Issues • What are you listening to now
“An American in Paris”, George Gershwin“Appalachian Spring”, Aaron CopelandStatistics: Posted by Chv396 — Tue Apr 02, 2024 1:04 pm — Replies 5875 — Views 596594
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Investing - Theory, News & General • More Evidence Against Factor Investing
Leverage can be achieved in a brokerage account at near zero cost and near risk-free rates these days, so no private equity needed for that purpose. Infrastructure I have via some publicly listed...
View ArticleInvesting - Theory, News & General • Does your net worth percentile...
i am trying to think if there is anything at all that i do differently in terms of finances as my net worth has changed. i can only think of one answer for you. i tip better when i think i have more...
View ArticlePersonal Finance (Not Investing) • JWROS Investment Account - My Mom and I -...
Is there a difference between the estate planning lawyer and elderly attorney?What Is Elder Law vs. Estate Planning?As a non-lawyer, my take is estate planning is for plans regarding 'after death'...
View ArticlePersonal Finance (Not Investing) • Another COBRA vs ACA question
Good to know. Even with 4-6 months of unemployment we will probably be well in excess of the limit this year as both of our careers (hers more than mine) will likely a modest signing bonusIn my...
View ArticlePersonal Consumer Issues • Yellowstone NP in September
This topic is now in the Personal Consumer Issues forum (travel).Statistics: Posted by ClaycordJCA — Tue Apr 02, 2024 1:05 pm — Replies 1 — Views 113
View ArticlePersonal Investments • Avoiding pro rata rule when doing back door roth
When you rollover an IRA, does it actually close the IRA account (rollover/traditional) or just zeroes it out? In other words do you have to then open a new one for the purposes of doing backdoor...
View ArticlePersonal Investments • Money Market Vs Bonds
An alternative that has not been mentioned is CDs or Treasuries held to maturity.Except for a couple of losers that I am holding onto until after interest rates drop, I have given up on bond funds....
View ArticlePersonal Investments • Advice needed. How to convert $1.2 million portfolio
OP, This is not at all complicated if you take emotions out of your investing. The gains were made, they are real as of now, successful investing also requires cashing in, waiting for too long to let...
View ArticlePersonal Consumer Issues • [On-going Scams - Post them here]
A quick search didn't immediately find what I was looking for. But I did find references that say bank alerts are a good thing. So my questions are because I don't know, what I don't know.Question....
View ArticlePersonal Finance (Not Investing) • HSA-Eligible Plan Higher Premiums
Yes, we're maxing tax-advantages space.The deductible is about $1,500 less for the HSA plan.Statistics: Posted by rpd — Tue Apr 02, 2024 1:09 pm — Replies 4 — Views 118
View ArticlePersonal Finance (Not Investing) • 26yrs old seeking career advice
Seems like best solution is to keep your job, train on the weekends, and keep your living expenses as low as possible (aside from flight training). Then in 2-3 years you’ll have completed the...
View ArticleInvesting - Theory, News & General • What Global Withdrawal Rates Teach...
Great post. I've wanted to do this analysis myself.I'd love to see a sensitivity analysis on how things like if, for the y-axis, instead of picking the worst case, you pick the 2nd/3rd/4th/5th worst...
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