Personal Finance (Not Investing) • Why are so many people choosing LTCI
Americans choose long term care insurance because we don't have the kind of health care system that would make it unnecessary. But that's probably not what the original poster meant.I bought what...
View ArticlePersonal Finance (Not Investing) • "Locking" your SSN?
I've just been made aware of this procedure. Apparently its similar to a credit freeze. Anyone have any experience with this?Statistics: Posted by pgs59 — Thu Aug 15, 2024 4:44 pm — Replies 0 — Views 43
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
One thing I am evaluating now is whether I'm even optimizing correctly here. I have >100k in VTI and signed up for ME only for the 2.625% CC bonus. Even if I spend 50k that's another $312...
View ArticlePersonal Investments • Whole Life Insurance - Keep or Surrender
Mutual means near next to nothing both for WL companies and vanguardStatistics: Posted by Rex66 — Thu Aug 15, 2024 4:45 pm — Replies 8 — Views 470
View ArticlePersonal Investments • Why does my company not offer the mega-backdoor Roth...
My small company has a fairly standard 401k with vanguard fund offerings. It is managed through Ascensus.I can make pre-tax or Roth elective deferrals. I can also make in-plan conversions from pre-tax...
View ArticlePersonal Investments • Lower income person - Roth or Traditional IRA? Roth...
Any thoughts on this?Thank you!Are you married? Do you file your taxes as Married, filing jointly? If so, you may be able to qualify for the saver's credit.See link:...
View ArticlePersonal Consumer Issues • Car batteries: Any experts here?
as the voltage is 12.6v it means the battery is fully charged so technicially you can't charge it anymore.the 440CCA you get won't go any higher so out of the 550CCA, you have enough to start the car...
View ArticlePersonal Consumer Issues • Electric Toothbrushes - Longevity
I replaced the “non-replaceable” battery of my favorite Braun Oral B in 2018, when it was seven years old. It would only keep a charge for a day or two before servicing. I used a larger capacity NiNM...
View ArticlePersonal Finance (Not Investing) • Umbrella Policy WITHOUT Homeowners...
I would think you wouldn't save much if you were able to get a liability only policy, as a liability lawsuit could be multiples of an insured property loss. IOW, millions of dollars lawsuit vs a...
View ArticlePersonal Finance (Not Investing) • When one spouse lives much longer...
I agree that both reduced income and higher taxes can happen but if you worry about too much taxes you should not be worried about too little income. This is a hard concept for a BH to...
View ArticlePersonal Consumer Issues • Address is Physical USPS Location?
if you are sure that this is the real address of the USPS Post Office (which you can verify on their website), then this is likely Street Addressing offered by USPS. The reason they do this is because...
View ArticlePersonal Finance (Not Investing) • Roth Conversion vs Capital Gain Harvesting?
Not sure this is an either or decision. I would probably favor Roth conversions. Maybe supplemented by some tax gain harvesting.Statistics: Posted by retiredjg — Fri Aug 16, 2024 4:56 pm — Replies 3 —...
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Personal Investments • New guy looking for portfolio advice
----------Here's a look at what you have, as best I can tell, and a suggestion for simplifying that adheres to Tax-Efficient Fund Placement and avoids Wash Sale issues.Even though you currently say...
View ArticlePersonal Finance (Not Investing) • Post-NAR Settlement Buyer Commission...
Decades long realtor ….I haven’t a clue how this will pan out. Per one comment - 1.25% seems reasonable ( paraphrasing) . My immediate reaction would be unfortunately I can’t work with that. One of...
View ArticlePersonal Consumer Issues • Apple phones/ E911 data
At minimum the 911 dispatchers get your name and location. Any medical info, special home access info, dogs on premises, etc is usually entered on the phone, landline or cell phone by you. If the 911...
View ArticlePersonal Investments • New Boglehead Portfolio Review
Curious, why would you want to move to Canada?Grew up there my whole life and have lived in the northeast US for about 10 years and you couldn't pay enough money to ever live in Canada...
View ArticleInvesting - Theory, News & General • Why all the IRMAA angst? [IRMAA:...
If you are going to invest your HSA in market you really can not touch it for decade at least if not more. Otherwise you have to use it as savings or MM account if used to pay ongoing medical...
View ArticlePersonal Investments • Pension Planning and Investing
Someone in their mid 20s doesn't have a lot of need for bonds right now anyway. You can be 100% stock no problem, pension or not. You have decades to make up any bumpy rides in returns. And I will...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
OK. But accepting/assuming all that, I think a summary of this point might be:Rational investors aren't pricing the known positive aspects of the US companies and known negative aspects of exUS...
View ArticlePersonal Investments • 18 yo, Seeking Advice
My parents have a good credit score and recently added me to their credit card, and I only use the card to buy gas. Overtime, I will be able to build up my credit score as the bill gets paid off each...
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