Personal Finance (Not Investing) • Present Worth Calculations for Roth...
I never hear any advisors or podcast folks talk about present worth analysis for investment and tax decisions. Do any of you do PW calculations on your own?The typical line is "rates are lower now...
View ArticlePersonal Consumer Issues • Re: Struggling with the Hedonic Treadmill /...
...Has anyone else felt a little disoriented by all the economic, monetary and other personal finance changes of late and if so how do we re-ground ourselves in the new reality and recommit to prudent...
View ArticleInvesting - Theory, News & General • Re: Wiki - Prioritizing investments...
I've had a chance to come back to this and I think we're close to concluding it. I'll rewind to the beginning for a moment. Three years ago, changes were made to this page. It was an edit by...
View ArticlePersonal Finance (Not Investing) • Tax Reporting of VMATX and VGIT Dividends
Considering to buy the following two in Taxable brokerage account. I am a Massachusetts resident. -- VMATX (Vanguard Massachusetts Tax-Exempt Fund) -- VGIT (Vanguard Intermediate-Term Treasury ETF) My...
View ArticlePersonal Consumer Issues • International Travel and health care
I have never traveled internationally but I would like to. I would want to ensure I have health insurance when doing so since I tend to get infections and other injuries easily that could quickly...
View ArticlePersonal Finance (Not Investing) • Re: How to refinance a 7/1 ARM during a...
SOFR is very closely related to the fed funds rate. If you believe the forward curves and expectations that the Fed will begin a rate cut cycle, that SOFR + 2% rate could fall to 5.5% (or lower) in...
View ArticlePersonal Investments • Re: Roth 401K vs Traditional 401K
Can you use Excel?If not, taxcaster could also help - https://turbotax.intuit.com/tax-tools/c ... taxcaster/Any of the Tax estimation tools listed there could be used, but only one provides an...
View ArticlePersonal Finance (Not Investing) • Re: Business closed, how to get $1200 of...
I had airline tickets with a bankrupt airline that I had refunded through my credit card chargeback process, we had bought them more than 60 days before but the termis are way more complicated then...
View ArticlePersonal Finance (Not Investing) • Re: Amex bonus: Can a targeted offer fail...
Even with lifetime language, reportedly AmEx only looks back 7 years or so (though your mileage may vary) so if you had another version of the Gold card 10 years ago, you are probably "gold"en. And...
View ArticlePersonal Finance (Not Investing) • Re: MyIDCare alerts - SSN on "Dark...
I had the exact same experience. All of my personal background details were stolen. I am aware that there were over 30 network audits , both internal and external and all of them cautioned about...
View ArticlePersonal Consumer Issues • Re: What percentage of professional engineering...
Turnover rates the past few years have been high across many industries. It is causing problems but I don't know if there is a solution.Statistics: Posted by MrNarwhal — Sun Sep 01, 2024 7:35 pm
View ArticlePersonal Finance (Not Investing) • Re: Eminent Domain
Just to be clear, the utility company does not intend to condemn the property.Why did you title the thread "eminent domain"?In my state, utility companies can use eminent domain to obtain easements to...
View ArticleInvesting - Theory, News & General • Re: Taking a 529 withdrawal for the...
There is no requirement that you need to match years for expenses and 529 distributions.The IRS acknowledges as much in their 2008 Advance Notice of Proposed Rulemaking that was never...
View ArticlePersonal Finance (Not Investing) • Re: Contractor lost check, wants new one;...
I think you are making a mountain out of a a molehill. Just put a stop payment on the original check, and cut him a new one. This happens in business al the time. If it makes you more comfortable, you...
View ArticlePersonal Finance (Not Investing) • Re: What to do with my money?
I recently cracked the $2 million threshold and rent in a VHCOL area. I am the primary income with a kid, though I have no plans to send them to private school, etc.House prices are so high that...
View ArticlePersonal Finance (Not Investing) • Re: Help mitigating underpayment tax...
If applicable ask for first time abatement.https://www.irs.gov/payments/penalty-re ... ive-waiverStatistics: Posted by Caliscotsman — Mon Sep 02, 2024 7:59 pm
View ArticleInvesting - Theory, News & General • Re: Wiki - Prioritizing investments...
Only what retirejg stated as "just wrong".Putting the governmental 457b discussion in the "Less common" area is just wrong.Statistics: Posted by LadyGeek — Mon Sep 02, 2024 7:59 pm
View ArticleInvesting - Theory, News & General • Re: Bonds funds vs rolling bond...
I think Tom T. makes a good point. A smart investor can definitely get a bond ladder going, but what happens to that ladder when the smart investor passes and their not so interested spouse takes the...
View ArticleInvesting - Theory, News & General • Re: Total Portfolio Allocation and...
TIPS, Social Security, and inflation-linked pensions also lag actual inflation. The inflation adjustment that occurs this year is for inflation that occurred last year. Unfortunately, expenses do not...
View ArticlePersonal Consumer Issues • Re: Cooking hack - What do you do when you put too...
My cooking instructor always said, add salt (or any other seasoning) a little bit at a time because you can always add more, but once it is in, you can't take it out.Statistics: Posted by UpperNwGuy —...
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