Personal Finance (Not Investing) • Re: Estimated Taxes Payment
Opinions vary. See How do I legally reduce my withholding to zero? and Reducing W4 withholding to reduce safe harbor surplus for some perspectives, and then the choice is yours....Statistics: Posted...
View ArticlePersonal Investments • Re: Making the decision to retire
The thing is, we recognize that even with a poor SOR early on, we would only need to work enough to slow the bleeding. We don't need to have the high savings rate that allowed us to retire early in...
View ArticleInvesting - Theory, News & General • Re: Can index funds ‘dry up’?
Can you explain to me like I'm 5, exactly what you mean by "dry up?"Statistics: Posted by 22twain — Thu Oct 24, 2024 11:55 pm
View ArticlePersonal Consumer Issues • Re: Rice cooker recommendations?
I used to use a rice cooker in the past and have had several Zojirushi models and then switched to Aroma because I wanted to get away from the non-stick pan.I found too many problems with a rice...
View ArticlePersonal Finance (Not Investing) • Re: How to push back against doctors who...
According to my dad, the hospital refused to let my older brother go home until the $750 delivery charge was paid, which my dad had to borrow from his father in law. I guess by the time I came along...
View ArticlePersonal Finance (Not Investing) • Re: [Looking for bank recommendations]
I'm not yet a customer but I'm ogling at US Banks' 4.1% interest rate on savings and upcoming 4% cash back credit card.Statistics: Posted by anoop — Fri Oct 25, 2024 12:00 am
View ArticlePersonal Finance (Not Investing) • Re: Requesting feedback on Schwab checking...
I have all my investment accounts at Schwab and most of my bank accounts at Wells Fargo. …For those of you who have had Schwab bank accounts, how is/was your experience?I moved banking from Wells...
View ArticlePersonal Finance (Not Investing) • Re: Credit card to maximize the value from...
One problem is having a large enough line of credit given to you at the outset to make such a purchase. You may or may not be given that for some random reward card right after it is issued. Also keep...
View ArticlePersonal Finance (Not Investing) • Re: Accounting Software Alternative?...
. . .I've recently had two business accounts move to Quickbooks Online, and it is incredibly NON-intuitive and frankly I despise it.Designed by the same fine folks who did the new Vanguard website, i...
View ArticlePersonal Finance (Not Investing) • Re: Do FAs bring any value at my level?
1. No extra return unless you're doing a lousy job. The worse you're doing on your own, the more value they can provide. At a certain point, they might even provide more than you're paying.2. No. Why...
View ArticlePersonal Consumer Issues • Re: When is the time to replace a comforter?
I always use a duvet, so I wash duvets but not the comforter. It then appears the comforter can last forever. I am frugal, but don't want to be that frugal. How do you know when it is time to replace...
View ArticlePersonal Investments • Re: Dividend reinvestment or not
Much simpler. But if you feel it costs you time out of the market with dividends just sitting in cash...A possibility if you want to reinvest dividends is to exchange VTSAX in those tax-advantaged...
View ArticlePersonal Finance (Not Investing) • Questions about High Deductible plan and...
Public School Teacher here. For the first time, employer is offering a high deductible health insurance plan, therefore making me eligible for a HSA. Not very knowledgable about the subject, and...
View ArticleInvesting - Theory, News & General • Re: DFA: Mostly TIPS at retirement
DFA explained their reasoning more thoroughly in this white paper:Pellerin, Mathieu, Investing for Retirement Income: A Comparison of Asset Allocations and Spending Strategies (July 7, 2021)....
View ArticlePersonal Investments • Re: Will not need RMDs -- what to do with the $$$s
When you and/or your wife start to take RMD's, your income, including your MAGI will increase.Your Medicare Part B premium is based upon your MAGI 2 years earlier. If you have more than x MAGI, you...
View ArticlePersonal Consumer Issues • Re: Difference between snow tires and winter...
When I was growing up in Alaska we used studded snow tires for close to 6 months of the year. I've never felt like I needed them since I left, but that would probably be the safest thing if you're...
View ArticlePersonal Consumer Issues • Re: Suggestions on Where To Live Next?
What’s your budget? That will narrow it down quickly.Up to $1,000,000 for a condo, depending on the monthly fees and property taxes. Haven’t given enough thought to it, but I’d like to keep the HOA...
View ArticlePersonal Consumer Issues • Re: Vanguard's "Block Unrecognized...
This is challenging because at the least it requires 2 known devices so that you can connect when you invariably have to delete cookies or computer dies or is lost, etc.I guess you have to change the...
View ArticlePersonal Finance (Not Investing) • Re: Umbrella policy over American Modern
Spoke with 5 brokerages and 3 carriers.What state are you in?Statistics: Posted by bd7 — Sat Oct 26, 2024 11:31 pm
View ArticlePersonal Consumer Issues • Re: Recommendations for long sleeve merino base...
Suggestions?49 y.o. living in Colorado here and I hear ya!Icebreaker bestSMARTWOOL second bestPatagonia limited merino-price but goodTerramar third and pretty much my go-to now for snow sports, winter...
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