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Personal Consumer Issues • hire a maid through a cleaning company
The first time they clean for you they'll usually charge you more and do a really deep cleaning. Then mine come (sisters) Q 2 weeks at approximately the same time for each visit but I'm flexible if...
View ArticlePersonal Consumer Issues • Choice of 2 assisted living communities
We recently toured a place for my sil, I was shocked to hear the entire patient cohort turned over in about 3 years. Do you have a sense of which facility provides better care and where she’d be...
View ArticleNon-US Investing • Are there actually any good financial advisers? Wondering...
My asset allocation is largely buy and hold S&P 500 at this point, with some scattered around tech, China investment and a few other things. I wasn't sure what the previous posted meant - start a...
View ArticlePersonal Finance (Not Investing) • BofA checking Balance Connect with Merril...
Is this possible? Following…Statistics: Posted by sbillertpa — Thu Jul 18, 2024 6:15 am — Replies 1 — Views 165
View ArticlePersonal Consumer Issues • Sanitizing travelling toothbrush
I usually use a brand new cheap toothbrush when I travel and throw it away after the trip. But recently decided to get a low end electric toothbrush for travel. I want to store it for the next trip....
View ArticleInvesting - Theory, News & General • Tax efficient withdrawals and the...
The simplest approach is to let the entire IRA balance ride tax differed until withdrawals. The return on the money that would have gone to the IRS prematurely not only offsets any future tax saving...
View ArticlePersonal Finance (Not Investing) • Share your retirement cash flow plan
Is the return-of-capital counted towards your overall income for the year? Can you expand on thatIt is money that can be spent -- that is used to pay expenses. But it does not show up in AGI or...
View ArticlePersonal Finance (Not Investing) • FYI-News reporting massive outages with...
Crowdstrike has taken responsibility. Their "sensor" problem only impacts certain Window deployments. I think I read those that are in a virtual machine.Here's Crowdstrike's statement:...
View ArticlePersonal Investments • 26 y.o. looking for advice
Just ask the forum members with multimillion dollar traditional accounts how their zero tax strategy is working out.If you're goal is to retire early and you are contributing roughly equal amounts to...
View ArticlePersonal Finance (Not Investing) • Understanding Inherited IRA with delayed RMDs
A regular tIRA does not allow the RMD to be Roth converted. Is the same true for an inherited IRA ? If so ...For most people without a lumpy tax situation, I imagine equal disbursements makes the most...
View ArticlePersonal Consumer Issues • Basement dehumidifier costs $100/month to run in...
Try putting the dehumidifier onto a heavy duty timer and running it for three or four different periods of the day in the "always in mode or a low a humidity level as possible,so it doesn't cycle on...
View ArticlePersonal Finance (Not Investing) • New Vehicle: Cash or Finance Question
The wiki has all the details: https://www.bogleheads.org/wiki/Paying_ ... _investingBut I'm in agreement with the others, total purchase price, then worry about financing vs cash, you should be...
View ArticlePersonal Consumer Issues • Best Ways to extend Life of Car
hello folks,I recently had my 2016 Sonata Plug-In Hybrid Limited's engine replaced at 97K mileage due to an engine oil consumption issue. I am planning to keep the car until it dies and keep it...
View ArticleNon-US Investing • Investment planning - TFSA vs RRSP?
TFSA is roughly a Roth IRA and RRSP is roughly a 401k.Until school is settled, I would not bother with either one. Keep your money in a HYSA or Money Market fund paying 4 to 5 percent. Unlike a Roth...
View ArticlePersonal Consumer Issues • Need some car guru feedback -- Should I call it...
Lets say I've got a 14 year old Honda Civic with almost 200k miles. It's my spouse's car and the AC blew out. The car had a bunch of work done over the years, and just about every year we've had...
View ArticlePersonal Finance (Not Investing) • Mortgage Recast/Payoff/Invest
I agree with your plan. No point in sitting on a pile of cash, if you're not planning to make any large purchases, while paying a high interest on your mortgage.Statistics: Posted by safari — Fri Jul...
View ArticlePersonal Finance (Not Investing) • I financed a sports car.. next steps...
A V12 Ferrari with a third pedal is probably always a safe place to park money. The wild card is when, not if, you get a $25k maintenance bill. I have about a 3x the NW OP does and I am a 90s kid who...
View ArticlePersonal Consumer Issues • Anyone Using Kanopy or Hoopla from their Library...
We use Kanopy on our Roku. Kanopy's collection leans toward the artsy fare you're accustomed to finding at independent cinemas.Isn't the Kanopy collection dependent upon which Library you are getting...
View ArticlePersonal Consumer Issues • Dr.Peter Atia's book...Outlive
My 70-something sister read it; her take: do a sauna frequently to prevent memory loss.My take: During exercise, I now shoot for 30 minutes of zone 2 heart rate. I also liked Attia's idea of...
View ArticlePersonal Finance (Not Investing) • Experiences with Mint Mobile
“ And recently, Canada roaming is free.”And they added free calls to the UK a while back.That saves us a little as my wife has relatives in the UK that she calls quite often.Statistics: Posted by...
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