Personal Finance (Not Investing) • Re: Tax exempt dividends on tax form?
Thank you all, I think I understand it now. However another wrinkle:I was telling a friend about the situation today and he said, "Why not take out the max she can contribute from her brokerage...
View ArticlePersonal Consumer Issues • Re: Is Speed Queen still the "King" of...
We purchased a speedqueen top-loader 2 years ago, and really like it. It autofills the tub (if you choose), and gets the clothes clean. Lots of wash options. We are able to wash queen-size comforter...
View ArticlePersonal Finance (Not Investing) • Re: High yield savings/checking account
I use a local bank for checking and online bank for savings. Transferring between them takes a couple days but that’s not a big hassle. You can usually find a local bank that has free or essentially...
View ArticlePersonal Finance (Not Investing) • Re: What all do you track on your...
Wow, some impressive replies so far.I just track the values of accounts (and the funds in each account), checking accounts, and annuities. Account numbers are included to help with the transition when...
View ArticlePersonal Investments • Re: Super beginner question about my current work...
You canStatistics: Posted by Katietsu — Tue Feb 20, 2024 10:33 pm
View ArticleInvesting - Theory, News & General • Re: Year 2000 retirees using the '4%...
Anything could happen going forward, but it looks as though retirees who rigidly followed the '4% rule' will make it to the 30 year milestone. That being said, their portfolio would have dropped to an...
View ArticleClik here to view.
Personal Finance (Not Investing) • Re: California State Income Tax Brackets 2024
@toddthebod - thank you for your prompt reply!1) Sorry, I don't understand your answer. I believe until this year, dividend and interest were taxed at max 13.3% in CA (same as ordinary income). Are...
View ArticlePersonal Investments • Re: Any way to Roth?
PS- Don't forget the NIIT & IRMAA when you are deciding how high to go with Roth conversions. +1RetiredAt61, see also Roth Conversion with Social Security and Medicare IRMAA.Statistics: Posted by...
View ArticlePersonal Investments • Re: TIPS or not for a 5 year ladder?
Hello OP,Does your personal rate of inflation match the TIPS index?Don't really know. Its our first year of retirement and our spending pattern is already significantly diverging from prior years....
View ArticlePersonal Investments • Re: Why should I back door Roth?
So if I have a tIRA with only pretax dollars at vanguard, can I open another tira at vanguard and fully fund it to $7k with after tax dollars and then convert it to a Roth and avoid pro rata...
View ArticlePersonal Finance (Not Investing) • Re: Who keeps original will?
Our wills are in a safety deposit box. In the unlikely event both my wife and I die at the same time,my eldest has POA, so should be able to get the box drilled if he cannot find the key. My wife or I...
View ArticlePersonal Finance (Not Investing) • Re: Debit card question: difference...
I’m confused on why you can run a debit card as debit or credit. What’s the difference? What’s the point of a PIN for security if someone can just hit “cancel” and run a transaction as credit with no...
View ArticleInvesting - Theory, News & General • Re: CD Compounding
I am trying to compare two brokered CDs.1. 4.20% compounded monthly.2. 4.25% compounded semiannually.Interest payments will go to the settlement fund.Which one has the better net return.Brokered CDs...
View ArticlePersonal Consumer Issues • Re: Full solar ECLIPSE April 2024!
We have reservations at a chain motel in Burlington, VT. On the trip back, we're going to make it leisurely; does anyone has any suggestions for things to see near I-89?If you're in the mood for some...
View ArticlePersonal Finance (Not Investing) • Re: Roth conversion options and strategies...
Here are a few things that may help:Model an actual tax return with SS and RMD and other sources of income. (You will have to assume some real growth for the tax deferred accounts). It will give you a...
View ArticlePersonal Investments • Re: 2001 Series I Savings Bonds - potential tax issue...
You implied that you didn't pay all accrued interest on all the savings bonds (owned by the same person) and I don't believe you can do that. My understanding is that it's all or nothing if you want...
View ArticlePersonal Finance (Not Investing) • Re: Windshield Chip - Insurance claim or...
The expected number of auto and homeowners claims over 35 years is about 6.You asked about 12 claims and actually filed 5 claims. The agent isn't going to open a claim for the other 7 if the response...
View ArticleClik here to view.
Investing - Theory, News & General • Re: International (Non-US) versus US...
This is simply not true. US equities have outperformed non-US equities by 2.7 percentage points annualized in the post-WWII period (roughly 80 years). Compounding that 2.7% annualized difference over...
View ArticlePersonal Finance (Not Investing) • Re: High Salary (>$500,000) careers
Wife qualifies: Top-50 university in liberal arts -> elite law school -> law firms interview on campus -> join elite law firm -> work like a dog for a decade with lockstep comp increases...
View ArticleClik here to view.
Personal Investments • Re: Mom looking for some investment advice.
Just hit the milestone of turning 51, and I have between $100k to $110k ready to invest. I'm eager to explore the most lucrative avenues for growing this capital. Any suggestions or insights would be...
View Article
