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Personal Finance (Not Investing) • Another when to take Social Security...
I passed after 70 but not both her amount and mine combined. Does she have to wait until 67 to get my $4050? Yes; read up on the 'survivor benefit' of SS for details. IF I follow this correctly, she...
View ArticlePersonal Finance (Not Investing) • To What Extent Do You Subsidize Adult...
No adult children of my own. But I am an adult child of my parents. When I was a bit younger, it would have been insane that parents would subsidize me unless there was a reason such as graduate...
View ArticlePersonal Consumer Issues • Portugal trip
^^^ I think you've posted in the wrong thread.Savvy travelers do want to know the best way to shave in Portugal.Statistics: Posted by Chardo — Fri Apr 19, 2024 7:00 am — Replies 18 — Views 1925
View ArticlePersonal Finance (Not Investing) • Income Tax in Philadelphia
My understanding is that PA doesn't tax retirement account distributions. Is that always true or only true for retirement accounts that were already taxed by PA since they don't recognize them as tax...
View ArticlePersonal Finance (Not Investing) • Contemplating taking a step...
There is usually some way to afford to change jobs or scale back work or to retire early. In your case, this may or may not involve no change in your current lifestyle, or a deep cut of expenses, or...
View ArticlePersonal Finance (Not Investing) • How can I close my Solo 401(k)?
Since I saw several people ask about this and I just went through it myself recently I thought I'd comment on this:As the plan administrator you will need to file the appropriate 1099-r formYou do not...
View ArticlePersonal Investments • Looking for reassurance with portfolio choices
Hello all, new here. Please offer any thoughts: I am 75, wife is 67, both retired, no debt.We have $1.3 M in Fidelity IRA:43% in FXNAX. US Bond index41% in FZROX US Stock index13% in FTIHX. Int'l...
View ArticlePersonal Finance (Not Investing) • What was your effective tax rate in 2023?
I see lots and lots of threads about savings rate and would like to know the community's effective/average (not marginal) FEDERAL tax rate. In the denominator, please include ALL financial...
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Personal Finance (Not Investing) • Should we pull the plug and go OMY? (When...
Ages 55 (both in good health), living in VHCOL. May stay or move eventually to lower cost areaNet worth $6.7M, no debt. Kids recently launched. Real Estate:$1.1M primary house$0.6M vacation home...
View ArticlePersonal Investments • Die with Zero - opinions?
Yes, but is all that extra spending bringing extra happiness? My takeaway from the book is that it is not about spending - spending should be viewed as a means to an end. The author believes that...
View ArticlePersonal Consumer Issues • IPhone unavailable and locked
If needed she is fine abandoning the apple account and email account. She would just like her phone number retained. If I go to the Apple or ATT store, will they reset the phone and setup under a new...
View ArticleInvesting - Theory, News & General • Math! And inflation decay of pension.
Is there a bag of tricks for matching a fixed amount of money with a shrinking real value, like a fixed pension, to investments that kinda sorta fill that gap? People discuss filling a known gap, like...
View ArticlePersonal Finance (Not Investing) • Use Roth IRA to Pay off Credit Card Debts
Is the credit card debt a one-time occurrence or, if you pay it off with your savings, will you continue to accrue credit card debt that isn’t paid in full each month?Statistics: Posted by HomeStretch...
View ArticlePersonal Finance (Not Investing) • The cost of not using credit cards with...
It doesn't matter what happens on the merchant's side. From a customer perspective, if a loaf of bread costs $3, and Tom pays cash while Bob pays with a rewards card, then Tom is subsidizing Bob's...
View ArticlePersonal Investments • ELI5, treasury bond buying opportunity?
As a newb, this is one thing I wonder about too. Cant you "time" the market with bond funds just by looking and paying attn to what the fed is signaling in regards to rates? I know Im missing...
View ArticlePersonal Investments • Berkshier Hathaway vs voo or vti in taxable account
I hope you are doing your own tax return(s). With individual stocks you really have to consider the tax aspects of each holding to know whether its a good holding. Are you doing automatic dividend...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
I merged hunnypuppy's and Bonenorth's threads into the ongoing discussion.(Thanks to the members who reported the post and provided a link to this thread.)Statistics: Posted by LadyGeek — Sat Apr 20,...
View ArticlePersonal Finance (Not Investing) • Why are so many people choosing LTCI
yvette has a question which I've moved into a new thread. See: Looking at LTC insurance. Should we buy a deferred annuity?(Thanks to the member who reported the post and explained what's...
View ArticlePersonal Investments • Fidelity vs Vanguard expense ratio on FSKAX vs VTSAX
10 years ago when I joined Bogleheads everyone said ERs were important and the funds with the lowest expense ratios had an edge.Interesting now that Vanguard no longer has the lowest expense ratios...
View ArticlePersonal Finance (Not Investing) • Best Way To Find Non-ACA Medical Insurance?
I would simply like to buy a decent [private] PPO policy .... and does not penalize for pre-existing conditions. Imagine you are selling insurance to your neighbors. Would it matter to you what...
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