Personal Consumer Issues • Good idea to stay in Puerto Morelos, Mexico>
All,With 2 teens who mainly enjoy beaches and all-inclusive resort ,is it safe and good idea to stay in Puerto Morelos (instead of Cancun or Playa del carmen)? I am getting a great all inclusive price...
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Personal Consumer Issues • Re: Best ANC earbuds?
I have the Bose and found them uncomfortable until I bought their additional sizes of ear tips/wings kit. Now they're perfectly comfy and the sound quality is great, no sync issues for me.All in all,...
View ArticleInvesting - Theory, News & General • Re: Now that long TIPS yields have...
What should this topic's current title be revised to read?At what minimum real yield are long TIPS worth buying?I've been using TIPS coupons to buy more LTPZ lately, with a bunch more to come on...
View ArticlePersonal Finance (Not Investing) • Re: Reasonable Wedding Budget
If parent can afford to throw away $X in a wedding, they can afford to give $X for the house down payment.KlangFoolMy daughter got married this past June, but I wouldn't characterize my contribution...
View ArticleNon-US Investing • Re: Are there actually any good financial advisers?...
https://www.investors.com/etfs-and-fund ... s-passive/I thought the evidence on FAs vs index funds was quite well established."Study after study, though, shows why investors in active mutual funds are...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
You could say that about any brokerage bonus. Indeed the time value / opportunity cost is not as clear cut as cash, and 2+ mo. isn't really going to make a practical difference in chasing bonuses, but...
View ArticlePersonal Finance (Not Investing) • Re: End of year Roth Conversion (Avoid...
Thread:viewtopic.php?t=373643Thanks for directing me to this thread. I will probably adjust my approach and just do the conversions in Q1 and/or make sure to qualify for safe harbor.Why not just make...
View ArticlePersonal Finance (Not Investing) • Re: 2nd withdrawal from ROTH during 60 day...
Seems like OP could roll over both withdrawals, but the second would have to be included in income, which wouldn’t have the 10% penalty if it was contribution. However, it appears that the IRS is...
View ArticlePersonal Investments • Re: Ok to retire? and Golf Club?
Does your annual spend listed include allowances for roofs, vehicles, dishwashers, and other costly items that show up irregularly?Seems to run around $10k per year. It’s factored in. This year it was...
View ArticlePersonal Investments • Re: Which is a Better Long-Term Choice: I Bonds or EE...
EE bonds are useful for high earners who need more tax deferred space. They generate 2.7% annually (tax deferred) if you sell before 20 years. If you hold for 20 years, then you get 3.5% annually (tax...
View ArticleInvesting - Theory, News & General • Re: Point of Roth 401k contributions...
I’m thinking of someone who would do both Roth 401k and MBR after-tax conversions The reason why you would only do regular contributions is it’s simpler than doing after tax conversionsThat makes...
View ArticlePersonal Finance (Not Investing) • Re: Seeking Advice on Real Estate Equity...
Not much information to respond.what is your investment situation outside this? like 401K,Roths and taxable. What about income without the townhome and expenses?Edit: your previous posts suggest you...
View ArticlePersonal Finance (Not Investing) • Re: US Bank 4% Smartly Visa Credit Card
Starting your credit card journey should begin with Chase due to 5/24.Can someone explain this to us slow people?In general, Chase doesn't approve applicants for new cards if there are 5 or more new...
View ArticlePersonal Investments • Re: Bond Funds Question...Again
Can anyone explain why bond fund price can decline when interest rates go down?Because the market decided the price went up too much before based on the future that was anticipated in the before time...
View ArticlePersonal Consumer Issues • Re: Vanguard and authenticator app
I complaint to their helpdesk a few times but feel that it’s better to write them. The tier one don’t have enough training to discuss security options and will probably misreport what you...
View ArticlePersonal Investments • Re: Invest in dual health coverage to get HSA access?
Is it legal for the kids to stay on the PPO with one spouse while the other (presumably healthier) spouse enrolls in the HSA and starts socking money away. Maybe cash flow outgoing expenses for some...
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Investing - Theory, News & General • Re: The Final, Definitive Thread on...
That sounds like such a hassle, that I'll just transfer the full account to somebody that will reimburse the fee, or at least the bulk of it.The bonus at CITI PWM is churnable. Since opening an...
View ArticlePersonal Consumer Issues • Re: Vanguard+Yubikey+Near Field Communication
It uses a sms to register the mobile app and then it’s biometric afterwards. I try removing the sms but it then register the app using a security question which is even worse than sms.Statistics:...
View ArticlePersonal Investments • Re: Portfolio and house buy questions
My last two questions :- When you mention "increase your withholding by additional $350 dollars per paycheck", what does it mean? Our payroll is with ADP. Should I ask them to deduct extra tax of $350...
View ArticlePersonal Investments • Re: Vanguard PAS and PlanVision on SS withdraw and...
We signed up with PlanVision a little over a year ago primarily to develop our Roth conversion strategy. We already had our SS withdraw dates in place (me, currently 70 started withdrawing at 66, wife...
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