Personal Finance (Not Investing) • Market just did a massive reversal…
What reversal?Many indices nosedived for about 30 mins, going from big positive to negative and not swinging backup. It looked like stop-loss raiding. I only realize it happened because I had 5...
View ArticleInvesting - Theory, News & General • Does your net worth percentile...
Interesting observation using the calculator attached in the OP (by age for 2013 vs 2023)$1M in 2013 ranked at the 85th percentile for a 65 yr old.$1M in 2013, adjusted by CPI to 2023 =...
View ArticlePersonal Consumer Issues • Home Renovation and Plaster Walls
If it were my house I would keep plaster and replace plaster with lath on plaster in areas needed replacement.Going from lath on plaster to drywall is like trading in a Rolls Phantom for a Geo...
View ArticlePersonal Finance (Not Investing) • The Finance and Psychhology of Retiring...
What was/is your purpose for money?None. Except that the idea of leaving all that money on the table after spending years working hard is hard to execute.Another way of thinking about this is leaving...
View ArticlePersonal Investments • Funds similar to VTI for retirement account
Also no need to apologize. This whole forum is filled with people who have run out of "in real life" people who will listen to them talk about this stuff so its an honor to have someone actually be...
View ArticleNon-US Investing • Is Roth conversion good idea for a US citizen moving to...
Also, I'm ignoring the Irish tax consequences of conversions while I'm living here because my Irish accountant specializing in US expats said the conversions would only be taxable in Ireland if I...
View ArticlePersonal Consumer Issues • Who's up for pickleball? Zero-zero-two. Game On!
as a boglehead, I'm careful about spending money. Having said that, I've had a double black diamond for about a year and the spin isn't what it once was. Wondering how often people are replacing their...
View ArticlePersonal Consumer Issues • Places to see the eclipse near San Antonio?
Good luck! If the weather is nice the place may be like during a hurricane evacuation with the roads completely packed with folks driving in from out of the area. I think there is even a predicted...
View ArticlePersonal Consumer Issues • Fidelity Credit Card for Best All Around Card?
I put everything I can on my Fidelity 2% cash back card. Been using it 3-4 years. Now, includes no foreign transaction fee. Service has been excellent.Haven't seen a better deal.Statistics: Posted by...
View ArticlePersonal Investments • Are bonds necessary if you're getting a pension?
I would not be comfortable relying on a pension amount that far in the future.I'm not saying you're wrong to do so, but there are so many uncertainties--whether you'll really want to keep that job,...
View ArticlePersonal Finance (Not Investing) • Benfits Package Thoughts/Advice
...-If you want to get really radical, work towards an ESOP if owner is anywhere near retirement (assuming you have the financials/EBITDA to support such a program)...An issue with ESOP for a small...
View ArticlePersonal Investments • Vanguard's Required Transition to "New"...
Hi, first thanks for the expertise here. I know there have been other threads on Vanguard's recent move to convert Mutual Fund holders into ETF's in preparation for their required move to Vanguard's...
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Personal Investments • Roth Conversion for RMD management: Marginal vs effective
I can't even wrap my brain around an RMD of $400k after QCD. That implies an extremely large tax-deferred account. Hard (for me) to imagine if Roth conversions will help or not.That caught my eye as...
View ArticlePersonal Consumer Issues • Get rid of Dishwasher?
I would not rent a place without a dishwasher. I would not buy a place without a dishwasher unless i was planning to remodel the kitchen before moving in, and would expect the "requires a full kitchen...
View ArticlePersonal Consumer Issues • Headlight out on ‘07 Honda Accord: replace myself?
Any suggestions on what bulbs to get — I see there are a lot of brands online.I'd stick with one of the biggies like Sylvania, Phillips, PIAA or Hella.Statistics: Posted by lazydavid — Thu Apr 04,...
View ArticleInvesting - Theory, News & General • Why the save-the-receipts HSA...
3. It is entirely possible then, that you can over-save in an HSAFor this to be true, marginal tax rate when withdrawing non medical expenses must be higher than when contributions were made....
View ArticlePersonal Consumer Issues • Caviar/Roe
I'm not sure I would buy anything from Russia right now.Fortunately, there are many excellent domestic vendors selling sturgeon, paddlefish & salmon roe raised and packed in the U.S. I've tried...
View ArticlePersonal Finance (Not Investing) • Another "solo 401k over...
Did you call one of Fidelity's small business retirement plan (solo 401(k)) reps--1 (800) 544-5373? https://www.fidelity.com/retirement-ira ... ment-plansIn my experience the reps are very...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
I can confirm PSE&G does not currently accept Vanguard Cash Plus routing/account number. Oddly, PSE&G's payment screen says the Routing Number is for an institution named: OAK HILLS S&L...
View ArticlePersonal Finance (Not Investing) • What's with all the paid off mortgages?
Two explanations: - Mortgage interests used to be much higher, as high as the low teens. Homeowners had a lot more motivation to pay it off. The calculation is completely different when you borrow at...
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