Personal Consumer Issues • HR Block Deluxe wants to charge me $39.95 for the...
Seems odd that people would prefer to download software when it can simply be run from the website.Statistics: Posted by popoki — Thu Jan 25, 2024 11:43 pm — Replies 31 — Views 1531
View ArticlePersonal Investments • Portfolio Diversification
And if the market drops 50% and takes 20 years to get back to even (ie 0% return)? And if you become injured or sick, such that you can’t work ten years from your expected retirement date?Then I will...
View ArticleNon-US Investing • ETFs and Index Fund currency question
Forgive me for what might seem such a basic question but I would like to know why ETFs (e.g. VUSA) on the Vanguard platform are shown on the graphs in dollars and the Index Funds are shown in pounds....
View ArticlePersonal Consumer Issues • Planes, trains, automobiles, boats- $$$ for hobbies
I've enjoyed an expensive hobby for a couple of years. After a major life event am kind of questioning priorities and expenses ( but we do not need to save the money). How the heck does everyone...
View ArticlePersonal Investments • Roth 401(k) not subject to RMDs?
Alan's comment on Secure 2.0 above made me look at it a little more closely and I realized that staring next year my catch-up contributions *must* be Roth since my income this year will be over $145k....
View ArticlePersonal Finance (Not Investing) • Pets - how much would you spend at the end?
I was just wondering how any of y'all deal with the issue? And especially the money related costs. Depends on if you view pets like most of us view cattle or chickens or like one of your children....
View ArticlePersonal Consumer Issues • Yosemite vs Smokies vs ...
If you are within driving distance of Great Smokey Mountain NP then you could also drive to the start of the Appalachian trail.Obviously you could not hike the AT in five days but there are section...
View ArticlePersonal Finance (Not Investing) • Retiree Portfolio Model
Not sure if there is a separate help thread or I should ask in a separate thread but I'm having trouble making the spreadsheet spit out believable results. For one thing when it estimates my taxes for...
View ArticlePersonal Investments • Anyone build a "TIPS" ladder with iShares...
One use case would be for people getting a bonus at a custodian that doesn't offer individual bonds or cds so you get similar coverage with an etf.What kind of a bonus?I'm surprised you haven't seen...
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Personal Investments • Help with fund consolidation in taxable account
You have to look at the cost basis for each holding. Wait until the cost basis information transfers from Betterment to Vanguard.When that's done I'd recommend coming back and updating your post with...
View ArticlePersonal Consumer Issues • Best tours for China?
One other question regarding flights inside the country - is it best to buy those ahead of time or better to wait until we're there and buy local flights a few days in advance (e.g. Xian to Shanghai...
View ArticlePersonal Investments • Investing Horizon Transition
If you choose to 15% long term bond you could just stick to that forever.When you choose to add more bonds then just add something shorter term.Now 85% stocks and 15% long term bondsLater something...
View ArticlePersonal Finance (Not Investing) • Treasury interest reported in previous years
The deluxe version of FreeTaxUSA is the same as the regular version in terms of the software. The deluxe version ($7.99) gives you priority support and unlimited amended returns. The pro version...
View ArticlePersonal Investments • Conflicted about 529
You can take $10k out per kid for K-12 private school.But might still be taxable + penalty at the state level, depending on the state.One of those states being NY (the state in which the OP is...
View ArticlePersonal Finance (Not Investing) • Roth conversions in the 22 & 24% tax...
In 2024 I plan on doing Roth conversions to the top of the 22% tax bracket. My question is should I go ahead and pay 2% more and convert in the 24% bracket as I have about 120,000 in cash I could use...
View ArticlePersonal Consumer Issues • How do you retire when you love your work?
I would love to hear more ideas how people can have fulfilling careers and still take the exotic trips.You need to be more descriptive to get an objective answer. What do you consider to be a...
View ArticlePersonal Consumer Issues • Interacting with electrician for big-ish job
There won't be too many like-for-like replacements. Fortunately, a lot of this stuff is in areas that are accessible (attic, garage, unfinished part of basement, plus of course outdoor/deck stuff) but...
View ArticlePersonal Finance (Not Investing) • Net Worth Averages in different professions
Reasonable goals of liquid assets:Engineers: $5 MMPhysicians: $10 MMThis must be a joke. Too high.Dave Ramsey just had a video out talking about their survey of Millionaires in the US and profession....
View ArticleInvesting - Theory, News & General • The One-Fund Portfolio as a default...
In theory, the "ideal" default portfolio would be William Sharpe's Market Portfolio but it has various problems [...]As a consequence, I think that portfolio 1 is a very good default portfolio...
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Investing - Theory, News & General • Personal Investment Returns...
Thanks a lot for this, it is great!I do have a feature request if you do another release. Can you include the portfolio growth; in/out, gain/loss (market), year end value, and total growth...
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