Personal Investments • Re: Pretax or Roth in 2025 -> 24% Bracket
Appreciate all the responses. Seems like there are folks on both sides of the issue which confirms that it’s a close call. Since I am over 50, my plan will be to do catch up in pretax (only available...
View ArticleInvesting - Theory, News & General • Re: How many years in bonds?
I often see things like "10-years in bonds" thrown around, but I don't think that would even cover events in US history, let alone world history. slicendice,10 years is a reasonable number in a...
View ArticlePersonal Finance (Not Investing) • Re: Trying to help friend with Medigap...
Medigap plans are guaranteed for life, so my understanding is that she won't need to get a new plan when she moves to Maryland. The plan she gets in NY may adjust the premiums when she moves. I would...
View ArticlePersonal Investments • Re: Nitty-gritty of Roth conversion
See teen persuasion's advice on possible state tax considerations. There is also the usual advice to convert/withdraw from the older spouse's traditional accounts first, to reduce eventual RMDs, but...
View ArticlePersonal Consumer Issues • Re: 5 Day Trip To London
I think we're saying the same thing. You can avoid the line down Great Russell Street outside the gate, but still have to stand on the security queue.Methods to avoid the line outside the gate appear...
View ArticleInvesting - Theory, News & General • Re: 2024 Year-end Distribution...
Check this site out about End of Year Distributions.Gives links to various funds.https://www.mutualfundobserver.com/disc ... -estimatesStatistics: Posted by idenbglhd — Wed Nov 13, 2024 2:56 am
View ArticlePersonal Finance (Not Investing) • Re: Roth or HSA contribution?
+1 to making the maximum 401k and HSA contributions while using Taxable funds for living expenses Also contribute to Roth IRAs if you can make direct contributions or do backdoor Roths not subject to...
View ArticlePersonal Investments • Re: Overwhelmed with decisions after major life events.
As far as I know, inherited retirement accounts (IRA,Roth) from one person cannot be combined with another person's. You may just want to cash out smaller inherited retirement accounts in order to...
View ArticlePersonal Consumer Issues • Re: foreign eSIM vs AT&T international
I used a esim with data only from airalo and nomad. My phone with att is setup to receive text and voice mail without incurring the $12 charge. Using esim in Asia to make calls with Google voice and...
View ArticlePersonal Investments • Re: Portfolio Rebalancing for 47 yrs. old Teacher
Welcome!Some initial comments:Emergency Fund: keep slowly working up to at least 6 mos.Debt: Relatively small. Up to you whether or not you want to pay them faster or as agreed.Asset Allocation* Being...
View ArticlePersonal Finance (Not Investing) • Re: Account locked at Treasury Direct and...
So, to answer my own question I just logged onto TD. I finally found the security questions as a selection under Manage Direct. In order to get there I had to answer one of my security questions and...
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Non-US Investing • Re: asking the mirror [Retire now?]
You are still working for the expressive and emotional needs that working provides you. And the health insurance. And the friends.And the free coffee, obviously.Dang, my job is great but no free...
View ArticlePersonal Finance (Not Investing) • Re: Pralana Online Released - Impressions
Because Pralana is ahead of the competition including Boldin and Projectionlab in painting a more reliable financial picture and would prefer it to remain that way. If Stuart steps back and no viable...
View ArticlePersonal Finance (Not Investing) • Re: Changing beneficiary on account question
I just went through this in Texas. The will specifically disinherits the person by name and is also supplemented by a clause stating that *anyone* who sues the estate is immediately disqualified from...
View ArticlePersonal Investments • Re: A hilarious "managed" portfolio from...
Before firing the manager, I would call them back and have them manually sell all 165 of the new positions. There should be a minimal tax hit and having to undo 165 positions will hopefully teach the...
View ArticlePersonal Investments • Re: Inherited Spousal IRA - broker doubled up RMD...
Like I said the spousal inherited IRA rules are a bit complex so I'm struggling to understand why they thought he couldn't do anything with the funds.Is there anything I'm missing or additional...
View ArticlePersonal Finance (Not Investing) • Re: Non-COLA Pension Options
An instructive site I've used in the past is this blog:https://grumpusmaximus.com/He has written extensively about pension vs lump sum, including COLA and non-COLA pensions.-FireGradStatistics: Posted...
View ArticleInvesting - Theory, News & General • Re: Gold Beat US Stocks: Last 25 Years
An asset can deliver a return via a combination of:--Internal returns--Speculative returns / price appreciationWith gold, all of the return is from price appreciation as it has no internal returns.I,...
View ArticleNon-US Investing • Re: UK - simple balanced portfolio - Vanguard
For simplicity why not just the single 60/40 LifeStrategy https://www.vanguardinvestor.co.uk/inve ... tegy-funds or the 40/60 choice. Or if 50/50 is your absolute necessity then 50/50 of both of those...
View ArticlePersonal Investments • Re: Leaving Vanguard for Fidelity and need your...
Did vanguard deduct the fee from your IRA or were you able to pay it separately? I would not want it deducted from the IRA. It would be considered a distribution.Statistics: Posted by ee_guy — Fri Nov...
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