Personal Finance (Not Investing) • Size of tax-deferred where no Roth...
2. Reduce lifetime tax burdenReducing the tax burden is not a goal. Having more money after taxes is the goal. These may seem like the same thing, but that is not always true.Agreed.I've learned a lot...
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Personal Finance (Not Investing) • Optimizing for Low-Hanging Fruit
I will second buying a Toto Bidet to limit toilet paper! It's $400 and will pay itself off in a year or two. Plus, it's luxury.Pardon my ignorance, how do you dry yourself after the water action? With...
View ArticlePersonal Investments • Should I hire a wealth management company?
A while back, I looked at Vanguard PAS, Schwab, and PlanVision.Vanguard PAS was ok but didn’t factor in taxes etc. in their rebalancing recommendations which would have been a big hit in...
View ArticlePersonal Consumer Issues • California weather in a lower cost of living area
Seems like we have similar criteria. I'm curious to take a trip to southern CO/northern NM. I need to do more research, but with low retirement income (by having enough in Roth for ACA income under...
View ArticlePersonal Investments • How many Roth-IRAs'? Which R-IRA to rollover...
HiI have below Roth-IRAs'a) Backdoor R-IRA - started in 2013b) After-Tax/RIPC rolled over IRA - started in 2020 (Company1)I am in company 2 now and want to rollover RIPC funds from this source to...
View ArticlePersonal Investments • Retired (time for VBTLX)
To get a little more granular, I also ran a spreadsheet that uses annual historical data and includes estimates of taxes. OP bundled taxes into total expenses, so I made a guess as to OP's expenses...
View ArticlePersonal Consumer Issues • Amazon - from Prime to UnPrime
One benefit to canceling I discovered was that I often can find a cheaper price. When I had Prime, it was so easy to just order without doing any comparison shopping. Also, having to have $35 minimum...
View ArticlePersonal Finance (Not Investing) • Is there a such thing as Personal Finance...
This thread has run its course and is locked (not personal). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment...
View ArticlePersonal Finance (Not Investing) • How to count a pension in net worth...
Clearly a Roth is worth more than traditional, and any retirement calculator worth its salt will include that variable in its calculations. It is also why I tell people that if they really want to max...
View ArticleInvesting - Theory, News & General • Moving from Vanguard PAS to Fidelity
I was recently accepted to hold a meeting with a Fidelity Financial Advisor.When it came to taxes, he said I should talk with my CPA.I laughed because my Daughter is a CPA!Anyhow, from what I can tell...
View ArticlePersonal Investments • Are we done saving for college?
Overall stats if helpful: late 30s, VHCOL area, $600K-1MM/yr income, ~$5MM NWYou are more than fine for college expenses. At this point it might be good to focus on making your own financial situation...
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Personal Consumer Issues • 1 month in California, Hawaii, Greece or ____?
I'm already thinking about my family's summer plans for next year...absolutely love California (especially some of the VHCOL beach towns), also have extremely fond memories of Hawaii but haven't been...
View ArticlePersonal Investments • UHNW Situtation
Thank you all !I realize that one single stock concentration must be fixed and I'm working on it..Meanwhile I was hoping to hear some specifics based on the real life experience from some of the...
View ArticlePersonal Consumer Issues • Computer or Office Chair Recommendation?
Just go to Ikea, and Stapes and goodwill and try it out. I am not particular about chair so even a $50 that doesn't come apart will work. My wife however went through several chairs until I got her...
View ArticlePersonal Finance (Not Investing) • NY times intro subscription expiring
Have both NYT and Sirius subscriptions, both for many years. If you even lightly "threaten" to unsubscribe both will immediately give you huge discounts, always.Statistics: Posted by xtracrispy1031 —...
View ArticlePersonal Investments • Empower portfolio analysis
Thank you. I wondered if they might be fooling with my head, not too difficult to do, actually. I feel back on earth, even if Beckett doesn't recommend it!They are putting some of your investments...
View ArticlePersonal Consumer Issues • Sump pump backup - suggestions
Which is why if you're going the portable generator route, it should be your second level of redundancy, not the first. Assuming you're not in a hurricane zone, instances where you have heavy rain AND...
View ArticlePersonal Finance (Not Investing) • #Cruncher's TIPs ladder builder - problem...
Or, a person might just install MS Office for Mac on the Mac and hope there are still not incompatibilities. It seems that this kind of problem which has plagued personal computing since day one is...
View ArticlePersonal Finance (Not Investing) • Obtaining Estate Executor After 6 years...
Wouldn’t a wrongful death settlement (as opposed to a settlement for pain and suffering) be payable to the heirs rather than to the estate?You would think that's how it should be done, but looking at...
View ArticlePersonal Finance (Not Investing) • Mortgage Payoff Fund
We refinanced during pandemic at 1.99% (15-year). Balance is only about $350k. The payments are about $3k /mo for another 140 months. It’s a no brainer. We’re keeping the mortgage. But we’re about to...
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