Personal Investments • Re: Critique my retirement plan please.
What I did about 10 years ago was create a spreadsheet that modeled this. I had columns for college costs, 529 plans, IRA/401K plans, taxable accounts, house value, and mortgage. I continued out the...
View ArticlePersonal Consumer Issues • Re: Minor car damage - how to avoid reporting?
I would ask the moderators to delete this thread. The FBI is scouring the web to find notice of unreported car damage.Posting, makes it a federal matter (“across state lines”) and adds a conspiracy...
View ArticlePersonal Investments • Re: Is My Employer Handling Their 401K Match Properly?
1. I feel like people should front load, in case they need to change employers that year.2. If you front load, you get additional compounding time. Stocks went up more than 20% last year. Better to...
View ArticlePersonal Finance (Not Investing) • Re: Share your net worth progression
A number of posts have been deleted, that are off topic and derailed this thread. Moderator Pops1860Statistics: Posted by Pops1860 — Sun Jan 05, 2025 11:49 am
View ArticlePersonal Investments • Re: Can RMD be deposited in a Roth IRA after I retire?
Hmm, my RMD doesn't start until I'm 73 (6 years from now) and I'll retire in a few months. So, if I have to take RMD first before conversion to Roth, does it mean I won'e be able to do any conversions...
View ArticlePersonal Investments • Annual Portfolio Review: SWR, VPW, Retire?
[Title Updated]Bogleheads’ advice, hard work, and a strong market have boosted my confidence and improved my portfolio.After another journey around the sun, I have another request for your invaluable...
View ArticlePersonal Finance (Not Investing) • Re: which method of Roth conversion to...
Put the money in the 401k, then roll the total (prior + new) into a regular IRA, then convert to Roth. There's no difference in the federal taxation of both, but you simplify the transactions by...
View ArticlePersonal Finance (Not Investing) • Divorce settlement payout - after tax amount?
I'm at the tail end of my divorce and I'm expecting to receive about $200,000 for my half of the home equity payout in a few months. This is likely NOT coming in the form of a QDRO. I believe it will...
View ArticlePersonal Finance (Not Investing) • Re: Sequence of taking RMD and QCD
I just made our first QCD for 2025. I make them during the year ending in November, then take the remaining net amount of the RMD (less Fed tax withholding) in early December.Statistics: Posted by...
View ArticlePersonal Consumer Issues • Re: Grrr....why do new cars not have spare tires?
My newer RAV4 has a spare. Your Prius does not because carrying a spare lowers the MPG, and that is what Prius is all about..Statistics: Posted by Uniballer — Mon Jan 06, 2025 12:04 pm
View ArticleInvesting - Theory, News & General • Re: How does Vanguard make money...
Look at your confirmations and it should say if your broker acted as Principal or Agent. This gives you an idea how they make money. Agents almost always charge a commission, principals rarely do...
View ArticlePersonal Finance (Not Investing) • Re: Possible WEP/GPO repeal [WEP / GPO...
I have the required 40 quarters at low income to earn a small amount of social security before taking WEP into consideration. I will turn 68 this year so have not yet applied. I spent the bulk of my...
View ArticlePersonal Finance (Not Investing) • Re: Life Insurance question- payment due,...
...I keep up, as best as I can, with "troubled" life insurance companies...You may want to check out naic.org if you're not familiar with it https://content.naic.org/insurance-topi ... -companies The...
View ArticlePersonal Investments • Re: Question on IRA rollover
You can do 2 rollovers to maintain same stock allocation. First: rollover just the cash from fixed income side. Then buy similar stock funds at the new brokerage while selling same amount at old...
View ArticlePersonal Investments • Re: Admiral vs ETFs: Some Numbers
You know you've won the game when you're starting to worry about single digit basis point differences in returns. This is on my list of stuff that just doesn't matter. When it's more convenient to use...
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Personal Finance (Not Investing) • Overcontributed to Roth IRA for 3 weeks....
It was stupid and I knew better... but wasn't thinking. Aaaaagh!! My wife and I are over 59-1/2. We have had Roth IRAs since 2018 (though not at Fidelity.DW (I did it for her) contributed $8000 to a...
View ArticleInvesting - Theory, News & General • Re: Inherited IRA Question
You want a trustee to trustee transfer. It sounds like the form you received was for a distribution. They would not ask about tax withholding if it were a trustee to trustee transfer. If they send you...
View ArticlePersonal Finance (Not Investing) • Re: 2025 - Where do you bank and why?
I use a local community bank (Broadway Bank of San Antonio) for checking and savings accounts and a safety deposit box, and have a debit card for the accounts. They will do Medallion Signature...
View ArticlePersonal Finance (Not Investing) • Re: Zelle vs. Venmo
OP - with Venmo you can use it without being "freinds" on the App with anyone (just pay and recieve without making or accepting Freind requests) and make sure to set your default to "private" so if...
View ArticleInvesting - Theory, News & General • Re: Why buy companies which pay no...
“Greater Fool” is an annoying moniker to tag onto people who hold non dividend stocks.My understanding is that dividend paying is done by companies who feel that paying earnings is the best use. The...
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