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Personal Investments • Re: Looking to streamline my portfolio and go self...
Few questions/clarifications:Emergency funds: $20,000 Total Portfolio Size: $675,361.58High Yield Savings Account19.85% cashI'm not sure how to read these...My working theory is your $20k emergency...
View ArticlePersonal Finance (Not Investing) • Re: How deep in the weeds do you go...
Not very far.Statistics: Posted by Mike Scott — Sat Feb 08, 2025 6:49 pm
View ArticleInvesting - Theory, News & General • Re: Robinhood 3% IRA Match
Just in case there's a software bug.I recall it showed the wrong date for a while last year before it was fixed. I plan to cancel earlier than one of the wrong dates that was displayed.Mine actually...
View ArticlePersonal Finance (Not Investing) • Which Larger Bank Has The Lowest *Actual*...
I am with the Bank of America and switch b/w their gold and platinum levels due to keeping some high balances.But they seem to always get you with weird fees and are very reluctant to reverse them....
View ArticlePersonal Finance (Not Investing) • Re: Which Larger Bank Has The Lowest...
MrCheapo:I recommend service from a JW Marriott and banking from a place with no fees for the things you will realistically do.Fidelity CMA refunds all ATM fees, including foreign ones. So does...
View ArticleInvesting - Theory, News & General • Re: Mitigating Sequence of Return Risk
How do Nobel laureates Bill Sharpe and Bob Merton approach SORR.Merton’s recommends identifying three categories of income.Category 1Minimum required income - funded by annuitizationCategory...
View ArticlePersonal Investments • Re: Roth conversion timing
We went the Roth conversion route that you described. First year I accidentally ran over the NIIT line, but the additional tax was minimal. For IRMMA, we chose to go up one tier because it was only...
View ArticlePersonal Investments • Is the no more than 30% rule on rent/living pre or...
Hi everyone,I am looking into renting my first apartment as I have been living at home taking care of my sick mother who is now better. I have done a lot of research on renting and what to expect and...
View ArticleInvesting - Theory, News & General • Re: Vanguard says international will...
Having Intl makes sense to me for my portfolio (20%). Looking at the past doesn’t help me, and I am unable to divine the future. The usual arguments are made and many of those who chose not to invest...
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Personal Finance (Not Investing) • Re: Do You Wait Until Last Day To File...
I’m not completely sure of this, but it would seem that since the 4th quarter estimated tax payment date has passed, paying any amount owed now vs 4/15 would not impact the amount of penalty. And no...
View ArticlePersonal Consumer Issues • Re: Eggs
I had a breakfast bagel today from a restaurant that charged the same price as before the egg prices went up.Find any deals you can get.Statistics: Posted by rockstar — Sun Feb 09, 2025 7:06 pm
View ArticlePersonal Investments • Re: investing in index funds while managing exposure...
hellomy overall portfolio is ~90% in equities, with almost all of it in index funds. given the mix of S&P500, 30+% of my investments are in tech. I am in my mid 40s, and am wondering if i should...
View ArticlePersonal Consumer Issues • Re: non-gory horror movie suggestions?
Doesn't seem to have had any staying power, but if you can find it, "Wait until Dark" probably qualifies.I was going to make the same recommendation. That movie has stuck with me since I saw it in the...
View ArticlePersonal Finance (Not Investing) • Re: Medicare premium increase
If still possible to access, update the title to include (RESOLVED).Done.Statistics: Posted by mjhfx1 — Sun Feb 09, 2025 7:10 pm
View ArticlePersonal Investments • Re: New retire needs bond help please...
I own lots of individual TIPS and individual Treasuries, but none of them in a taxable account to avoid paying unnecessary taxes.(Early-retired and younger than age 59.5)Statistics: Posted by...
View ArticlePersonal Finance (Not Investing) • Re: 2024 I Donated to Roth IRA from Savings
Where else should your contribution be coming from?Statistics: Posted by toddthebod — Sun Feb 09, 2025 7:12 pm
View ArticlePersonal Consumer Issues • Re: Photoshop element alteratives?
Ok, I talked a bit with my wife and got her use cases. Majority of the time she is just removing the background. Apparently, she has to keep the picture of the specimen unaltered, but remove the...
View ArticlePersonal Consumer Issues • Re: Dual enrollment in high school or not?
Makes sense when it is a course not offered by high school. Our son did math for years.Statistics: Posted by RickBoglehead — Mon Feb 10, 2025 7:16 pm
View ArticlePersonal Finance (Not Investing) • Re: Proving Cost Basis of Home
To make matters worse, the IRS does not accept online statements, like an Amex statement as backing documentation of improvements. They want you to have the actual receipt.The IRS cannot require a...
View ArticlePersonal Finance (Not Investing) • Re: Cost basis problem [Vanguard cost...
Perhaps a bit off topic, or perhaps not.Cost basis is important, as are lots. Maybe another reason to download or print your transactions and statements, regularly.Just in case...as...
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