Personal Finance (Not Investing) • Health insurance denied one line item -...
The point of STI screening is to break the chain of transmission. This is why other developed countries offer free chlamydia screening to men and women. However, this is not how the American...
View ArticlePersonal Finance (Not Investing) • Best Direct Indexing Options for S&P...
One of the reported cons is that your taxes get more complex. I believe it was Allan Roth who reported 45 pages of reported sales and purchases on a small trial investment. Sorry, I could not find the...
View ArticlePersonal Finance (Not Investing) • Social Security Torpedo
I'm sure plenty have written as it's been a tax law for a long time now. With all the forecasting of future solvency being blasted by media I don't see it being repealed.Where does the revenue...
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Personal Investments • Thoughts on Fidelity’s Deferred Fixed Annuities?
Won't you lose just as much in tax on withdrawal? I would think DFA would come out ahead only if you will be in a lower tax bracket at the end of the term.At the end of term the money would still be...
View ArticlePersonal Consumer Issues • Where to Purchase High End New Sport Coat....
Spier & Mackay is solid and modestly priced. Return shipping is free but they charge a small restock fee after your first return. I think it’s $8. I frequently buy multiple sizes of the same item...
View ArticlePersonal Finance (Not Investing) • A Roth Conversion Example
This thread has turned into a very informative discussion for me. Thanks to you all.Statistics: Posted by EricGold — Fri Jun 21, 2024 11:01 pm — Replies 30 — Views 1495
View ArticlePersonal Consumer Issues • Budgeting for Slow Travel in Argentina/Chile/Uruguay
A dream my wife and I have for retirement in a few years is to spend say 4 to 6 months slowly traveling around Argentina/Chile/Uruguay, traveling by bus and staying in cheaper hotels/guest...
View ArticlePersonal Investments • Are there actually any good financial advisers?...
I had not heard of "Sentiment-based investing", so I did a bit of research.There's also centiment-based investing, where the FA pays you back a cent on the dollar.So true. And that reminds me: there’s...
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Personal Finance (Not Investing) • How do I know if I need a Trust?
As it stands, I can see several advantages of the trusts and no disadvantages. We have had them for many years and there have been no drawbacks.There were only two disadvantages. One is the extra...
View ArticlePersonal Finance (Not Investing) • Retire in France, Shall I move my address...
Why would I consult with an attorney? My empirical evidence is that if you legitimately move, there is no follow-up from the state because you have legitimately established residence and domicile in...
View ArticlePersonal Finance (Not Investing) • Primer on Paying Taxes With a Credit Card
I've just got the Cap 1 Venture X Business card - since I have a large tax bill, wanted the sign up bonus that's dependent on $30k spend.BUT - it's very difficult to get charges approved. I could only...
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Personal Consumer Issues • What frugal thing did you do today?
I take paper napkins home from resturants and take out bags to reuse. I save bread bag twist ties. When I get mail, e.g., car insurance renewal, I keep the envelope they include to send payment in (I...
View ArticleInvesting - Theory, News & General • Rick Ferri interviewed on Excess...
My journey was almost exactly as Rick described. A friend pointed me to investing in stocks in the 90s. I then diverged and went to mutual fund and then finally to index fund. I even dabbled in factor...
View ArticleInvesting - Theory, News & General • For people who duration match, is...
Just an curiosity question, for people who do duration matching, they might create a collapsing bond ladder. For example, I could create a 30 years bond ladder where each rung equal 1 year and then...
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Personal Investments • 18 Yo, New Investor Seeking Advice (500K+)
You have to teach us how to make $2k/ day online, or at least give a hint or too. For investing I’d recommend reading Bill Bernstein’s Four Pillars of Investing, available on Amazon.Statistics: Posted...
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Personal Investments • AA for fixed-income portion of 401k
It sounds like you're only interested in funds, and absolutely not in individual bonds?This is for our 401ks, and individual bonds aren't offered. So not an option there.But I'll probably be doing a...
View ArticlePersonal Investments • sequence of withdrawals during retirement--differing...
I've heard it said that the worst thing to inherit is a traditional IRA. True?I read a line somewhere recently that "people who leave a tax-deferred account like a Traditional IRA or 401k to their...
View ArticlePersonal Finance (Not Investing) • Calculations for retirement dates
How do the genetics/health look?Pretty good I would say. My grandmother lived to 99 on one side, other side not sure. One grandfather died in a car crash so that doesn't count. My mother is alive in...
View ArticlePersonal Finance (Not Investing) • Proposed update to Health Savings Account...
However, if the HSA balance exceeds medical expenses, then some of the HSA money will come out fully taxed as ordinary income, either by you or your heirs. It looks to me like a HSA in this situation...
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Personal Investments • Portfolio Review Request
Tax Filing Status: Single at the moment, but getting married in 2025. Open to suggestions about filing single vs jointly. We plan to keep our accounts separate, so I can't provide portfolio details...
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