Hello Bogleheads, it's getting brrrr cold! What stores / brands do you buy wool sweaters from? Looking stores/brands that are trustworthy.
I'm aware that there are several types (angora, merino, cashmere, boiled wool, etc), looking for something to keep my nieces and nephews warm (preteen to young adults), easy to maintain (this sounds like oxymoron, may be easier to maintain), less likely to pill etc.
Any advice on which type to avoid will also be great...as in cashmere is prone to pilling....
Search found 195 matches
- Thu Nov 30, 2023 9:43 am
- Forum: Personal Consumer Issues
- Topic: Where to Buy Wool Sweaters
- Replies: 28
- Views: 3184
- Sat Nov 04, 2023 6:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Philosophical conflict at work
- Replies: 22
- Views: 2470
Re: Philosophical conflict at work
CarpeDiem22,
Livesoft answer is spot on.
By giving you the job, your company has decided that you have enough qualifications and ability to learn these. Please study up and prove them right. Sorry I don't have book recommendation, but I'll search universities first.
It's okay to diverge, this is your work (for xxx years).
I would recommend deleting your post or take out the Detailed version to avoid you getting identified. Bogleheads.org frequently appeared in search engine.
Livesoft answer is spot on.
By giving you the job, your company has decided that you have enough qualifications and ability to learn these. Please study up and prove them right. Sorry I don't have book recommendation, but I'll search universities first.
It's okay to diverge, this is your work (for xxx years).
I would recommend deleting your post or take out the Detailed version to avoid you getting identified. Bogleheads.org frequently appeared in search engine.
- Tue Oct 10, 2023 11:28 am
- Forum: Personal Consumer Issues
- Topic: Flat tires while on road trip
- Replies: 70
- Views: 6358
Re: Flat tires while on road trip
Expanding on this idea, what to do if you rent a car? Say you reside in Maine, fly to Phoenix and rent a car to go to Grand Teton/Yosemite via Grand Canyon?
(Actionable as we are contemplating to do this.)
(Actionable as we are contemplating to do this.)
- Tue Oct 10, 2023 11:03 am
- Forum: Personal Consumer Issues
- Topic: Flat tires while on road trip
- Replies: 70
- Views: 6358
Re: Flat tires while on road trip
I'm in awe on how many bogleheads carry full size tires. I'm thinking of doing this...but how exactly do you rotate with regular tire change as usually tire deal when you change tires is for buying 4 new tires?
@Jack FFR1846, @livesoft, @Nver2late, @FishTaco
Do you use your 'full size spare tire' and three of the new ones? Do you have another 'use by date' that you keep up with?
@Jack FFR1846, @livesoft, @Nver2late, @FishTaco
Do you use your 'full size spare tire' and three of the new ones? Do you have another 'use by date' that you keep up with?
- Tue Oct 10, 2023 12:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Health insurance for child born in December - delay until Jan?
- Replies: 39
- Views: 3799
Re: Health insurance for child born in December - delay until Jan?
FWIW, one data point here. The coverage went retroactive for us to baby's date of birth.
- Fri Aug 25, 2023 9:10 am
- Forum: Personal Consumer Issues
- Topic: Bread Baking in Extreme Heat in US
- Replies: 20
- Views: 1078
Bread Baking in Extreme Heat in US
How Bogleheads that like to bake their own bread adjust with the extreme heat that plaque us for the past couple months (and another month coming)?
Bread baking means heating up oven that undoubtedly heat up the kitchen (house) later...and sometimes the oven is not full (baking one loaf for example). Which means higher electricity bill to cool down the house... (not to mention the energy to heat up the oven).
Do you buy grocery store bread instead?
Bread baking means heating up oven that undoubtedly heat up the kitchen (house) later...and sometimes the oven is not full (baking one loaf for example). Which means higher electricity bill to cool down the house... (not to mention the energy to heat up the oven).
Do you buy grocery store bread instead?
- Wed Aug 16, 2023 1:55 am
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
Re: After Tax Contribution Inadvertently Deposited to Taxable Account
Alan, I'm still reading it differently than you are. I believe it was the correct payee but with the wrong account number (taxable account number instead of Roth IRA account number). However, your solution - to move the money to Roth IRA with paperwork indicating it is a rollover contribution - makes good sense to me. Thanks for clearing that up. I think it’s important for OP to clarify whether the Roth IRA and the taxable account are at the same brokerage (as you and I think) or at different brokerages (as Alan S thinks). ETA OP says both accounts are at Vanguard, and the check had the correct Roth account number. Begs the question as to hiw Vanguard put it in her other account. Both Roth and taxable accounts are in the same brokerage. It...
- Wed Aug 16, 2023 1:55 am
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
Re: After Tax Contribution Inadvertently Deposited to Taxable Account
Alan, I'm still reading it differently than you are. I believe it was the correct payee but with the wrong account number (taxable account number instead of Roth IRA account number). However, your solution - to move the money to Roth IRA with paperwork indicating it is a rollover contribution - makes good sense to me. Thanks for clearing that up. I think it’s important for OP to clarify whether the Roth IRA and the taxable account are at the same brokerage (as you and I think) or at different brokerages (as Alan S thinks). ETA OP says both accounts are at Vanguard, and the check had the correct Roth account number. Begs the question as to hiw Vanguard put it in her other account. Both Roth and taxable accounts are in the same brokerage. It...
- Tue Aug 15, 2023 11:29 pm
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
Re: After Tax Contribution Inadvertently Deposited to Taxable Account
Thank you for all advice. Will call them and ask for deposit correction and indirect rollover. Have paperwork to back it up.
Roth IRA is already set up for a few years. That's why the check listed "New custodian FBO your Roth IRA account #" as in "Vanguard FBO Rose Roth IRA ##45" (names are all examples).
It's confusing that "Vanguard" even posted the deposit to taxable account (that I incorrectly coded) when the check spelled out "Roth IRA" with the correct Roth IRA number, but I digress.
Roth IRA is already set up for a few years. That's why the check listed "New custodian FBO your Roth IRA account #" as in "Vanguard FBO Rose Roth IRA ##45" (names are all examples).
It's confusing that "Vanguard" even posted the deposit to taxable account (that I incorrectly coded) when the check spelled out "Roth IRA" with the correct Roth IRA number, but I digress.
- Tue Aug 15, 2023 12:43 pm
- Forum: Personal Consumer Issues
- Topic: 3 Day Trip - New Orleans
- Replies: 43
- Views: 3430
- Tue Aug 15, 2023 12:38 pm
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
Re: After Tax Contribution Inadvertently Deposited to Taxable Account
The check indeed listed "New custodian FBO your Roth IRA account #"
No other paperwork from the sender showing it is going to Roth IRA other than Roth IRA number in the check.
No other paperwork from the sender showing it is going to Roth IRA other than Roth IRA number in the check.
- Tue Aug 15, 2023 8:45 am
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
- Tue Aug 15, 2023 8:18 am
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
Re: After Tax Contribution Inadvertently Deposited to Taxable Account
The check is made out to the other financial institution.
I inadvertently gave them a wrong account number. It should be Roth IRA, but it's in taxable accounts right now.
- Mon Aug 14, 2023 11:16 pm
- Forum: Personal Investments
- Topic: After Tax Contribution Inadvertently Deposited to Taxable Account
- Replies: 23
- Views: 2056
After Tax Contribution Inadvertently Deposited to Taxable Account
Hello bogleheads.
Unfortunately my 401K after tax contribution got deposited to Taxable brokerage account, instead of Roth IRA. (This is entirely contribution as there was a loss after contribution, hence pure contribution.) (My mistake BTW.) How can it be fixed?
Should I transfer it to Roth IRA as intended and at tax time along with 1040 forms send a letter to IRS explaining the error?
TIA!
Unfortunately my 401K after tax contribution got deposited to Taxable brokerage account, instead of Roth IRA. (This is entirely contribution as there was a loss after contribution, hence pure contribution.) (My mistake BTW.) How can it be fixed?
Should I transfer it to Roth IRA as intended and at tax time along with 1040 forms send a letter to IRS explaining the error?
TIA!
- Fri Aug 11, 2023 2:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Education-Related Tax Credits, Deductions, Breaks
- Replies: 7
- Views: 774
Education-Related Tax Credits, Deductions, Breaks
Mark Steber, chief tax information officer for Jackson Hewitt Tax Services, claimed of about 12 tax breaks related to education, while bogleheads.org wiki shows two. Can we collectively come up with the list? "There are roughly a dozen tax breaks related to education, according to Steber. One of the most common is a deduction for the amount of interest you’ve paid on your student" thehill.com/homenews/nexstar_media_wire/3835377-8-tax-deductions-credits-you-may-qualify-for-in-2023/amp/ 1. If you’re a teacher, you can deduct up to $250 on any unreimbursed expenses for classroom materials like books, supplies, computers, or other equipment used in your classroom. 2. Coverdell Education Savings Account (ESA) 3. American Opportunity Ta...
- Mon Aug 07, 2023 11:02 pm
- Forum: Personal Consumer Issues
- Topic: Teaching Youth: Money vs Treat Reward
- Replies: 10
- Views: 974
Re: Teaching Youth: Money vs Treat Reward
Thank you for all replies! Bottom line: don't make it a negotiation to trade one for another. Teaching the value of money is separate than forming family bonds.
And yes, the student gets allowance and "reward" for all As, regional championships etc.
And yes, the student gets allowance and "reward" for all As, regional championships etc.
- Mon Aug 07, 2023 4:44 pm
- Forum: Personal Consumer Issues
- Topic: Teaching Youth: Money vs Treat Reward
- Replies: 10
- Views: 974
Teaching Youth: Money vs Treat Reward
There have been lots of threads in bogleheads on how to teach youth over the value of money.
Got to this discussion with another parent recently. If your youth declines treats in lieu of getting the cash, what would you do?
Pros: delayed gratification is a good thing, the youth suggest that-> show thought
Cons: declining "celebration/fellowship" with other beings
For example: celebrate good first day of school/week, after working xxx hours at part time work/ study for test in a subject they don't particularly like, etc. These are as simple as getting an ice cream scoop at Baskin-Robbins, or a burger at In-n-Out (or local joint equivalent).
Got to this discussion with another parent recently. If your youth declines treats in lieu of getting the cash, what would you do?
Pros: delayed gratification is a good thing, the youth suggest that-> show thought
Cons: declining "celebration/fellowship" with other beings
For example: celebrate good first day of school/week, after working xxx hours at part time work/ study for test in a subject they don't particularly like, etc. These are as simple as getting an ice cream scoop at Baskin-Robbins, or a burger at In-n-Out (or local joint equivalent).
- Mon Jul 31, 2023 11:00 am
- Forum: Personal Finance (Not Investing)
- Topic: Financial Planning through Empower Retirement
- Replies: 34
- Views: 5294
- Fri Jul 28, 2023 8:44 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Reporting back to @FiveK and @toddthebod that have been really helpful.
IRS was able to fix this over the phone. I finally was able to go through on Thursday, just like what many websites said. The entire thing took just over an hour, but the wait was less than 10 minutes.
Unlike what many websites said, IRS menu has changed. So after the choosing the language, everything else is different.
Have a good weekend, everyone.
IRS was able to fix this over the phone. I finally was able to go through on Thursday, just like what many websites said. The entire thing took just over an hour, but the wait was less than 10 minutes.
Unlike what many websites said, IRS menu has changed. So after the choosing the language, everything else is different.
Have a good weekend, everyone.
- Mon Jul 24, 2023 1:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Checking and comparing both 2021 and 2022 transcripts, there's no section for Schedule 8812. However, reading the verbiage, those two lines are the closest to it.toddthebod wrote: ↑Mon Jul 24, 2023 3:27 amThat appears to be line 19 from your 1040. Do you see Schedule 8812 in your transcript?
(Note, child tax credit was approved for 2021. AGI change minimally and no changes in filing status)
- Mon Jul 24, 2023 1:24 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Oh, the notice also stated the interest accrued daily. As it's 7%, I'm thinking about using my emergency fund to do so. Thoughts?
- Mon Jul 24, 2023 1:19 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Thank you so much for all the questions! Did you get a letter from the IRS adjusting your tax owed/refund, or are you just looking at your transcript out of curiosity? I received a letter/bill. 1. Was this for 2021 or 2022? 2. How old is/are your child/children? 3. Are you married/divorced/separated? 4. What's your MAGI and filing status? Question 2 is the one I'm most interested in. 1. This is for 2022. 2. They are in middle school. 3. & 4. Definitely under cut off/rephasing of CTC. For number 3, the other reason I ask is if an ex-spouse also tried to claim the credit. Number 3. Not an issue. It appears that the child tax credit was not applied. Also, are you sure it's the child tax credit that's the problem, or are you assuming becaus...
- Mon Jul 24, 2023 1:13 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Thank you so much for all the questions! Possible transcription error by the IRS when they entered your return into their computer? In any case, what does the letter say you should do if you do not agree with the IRS version? Completely possible. But I want to satisfy all possible other errors before blaming it to transcription error as this has been my method for a looooong time. The notice stated: What should I do if I disagree with the changes you made? If you disagree, contact us at the toll-free number show at the top right corner of your notice, or respond by mail to the address on your notice. If you write to us, include a copy of the notice along with your correspondence or documentation. We’ll reverse most changes we made if we inc...
- Sun Jul 23, 2023 11:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Using IRS freefile software, submitted via snail mail however. Numbers cross-checked against Excel1040 which is listed in bogleheads.org wiki.BogleTaxPro wrote: ↑Sun Jul 23, 2023 10:25 am In addition to Todd's questions...
Did you file by mail, or use software? what software?
https://www.bogleheads.org/wiki/Tax_estimation_tools
Both showed 4000BogleTaxPro wrote: ↑Sun Jul 23, 2023 10:25 am In addition to Todd's questions...
What number is on your form 8812 line 14 and does it match form 1040 line 19?
- Sun Jul 23, 2023 11:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
1. This is for 2022.toddthebod wrote: ↑Sun Jul 23, 2023 10:22 am1. Was this for 2021 or 2022?Rose wrote: ↑Sun Jul 23, 2023 10:03 amI received a letter/bill.toddthebod wrote: ↑Sun Jul 23, 2023 12:58 am
Did you get a letter from the IRS adjusting your tax owed/refund, or are you just looking at your transcript out of curiosity?
2. How old is/are your child/children?
3. Are you married/divorced/separated?
4. What's your MAGI and filing status?
Question 2 is the one I'm most interested in.
2. They are in middle school.
3. & 4. Definitely under cut off/rephasing of CTC.
- Sun Jul 23, 2023 10:03 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
Re: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
I received a letter/bill.toddthebod wrote: ↑Sun Jul 23, 2023 12:58 am
Did you get a letter from the IRS adjusting your tax owed/refund, or are you just looking at your transcript out of curiosity?
- Sun Jul 23, 2023 12:17 am
- Forum: Personal Finance (Not Investing)
- Topic: IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
- Replies: 16
- Views: 2223
IRS Found Error on 1040 - "IMF Total Tax", Child Tax Credit?
Hello, Checking if anyone has any experience with IRS denying child tax credit. It appears that the child tax credit was not applied. IRS transcript shows SSN for dependent was filled. Per IRS transcript, below are the two rows that are different, and they differ by the CTC amount. TP TAX FIGURES (reduced by IRAF) per computer: xxx ----------> This is the amount in 1040 line 24 (total tax) IMF TOTAL TAX (reduced by IRAF) per computer: xxx + CTC. ---> This is the amount IRS says I owe. (I have obtained a transcript per post below. "Go to IRS.gov and create an Account with the IRS. Once you have that done, you can order a transcript of your account and a transcript of your specific year's return. You can then go through line by line and ...
- Sat Jul 15, 2023 11:23 pm
- Forum: Personal Consumer Issues
- Topic: How to get started with camping?
- Replies: 86
- Views: 6926
Re: How to get started with camping?
Check out your city recreation department or YMCA. Our local boy scout troop and girl scout troop occasionally have hosted 'camping try out' for general public to try camping.
Also check your state park/city park. Once I live where the nearby state park offer a program for couples and family to camp, everything is provided (including food and entertainment), you just need to show up with personal stuff.
Also check your state park/city park. Once I live where the nearby state park offer a program for couples and family to camp, everything is provided (including food and entertainment), you just need to show up with personal stuff.
- Wed Jul 05, 2023 5:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: 10 Most Livable Small & Midsize U.S. Cities by Kiplinger
- Replies: 31
- Views: 4140
10 Most Livable Small & Midsize U.S. Cities by Kiplinger
Many in this forum ask where to retire. Another list to ponder upon.
Johns Creek, GA
Flower Mound, TX
Carmel, IN
Broomfield, CO
Sugar Land, TX
Cary, NC
Overland Park, KS
Fishers, IN
Naperville, IL
Troy, MI
https://www.kiplinger.com/real-estate/m ... -us-cities
Johns Creek, GA
Flower Mound, TX
Carmel, IN
Broomfield, CO
Sugar Land, TX
Cary, NC
Overland Park, KS
Fishers, IN
Naperville, IL
Troy, MI
https://www.kiplinger.com/real-estate/m ... -us-cities
- Wed Jun 28, 2023 3:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Separate finances and retirement
- Replies: 20
- Views: 1608
Re: Separate finances and retirement
With this post, I'm not interested in debating if separate or joint finances is better. What I'm curious about is how couples, who separate their finances, make major decisions when it comes to retirement, ESPECIALLY if they managed their money VERY differently and if they have wildly different portfolio balances. For instance, say we have a couple: John and Mary. John's a Boglehead, Mary is definitely not. John was pretty diligent about saving and investing, Mary was not. They're both now 65. John has $2.5M. Mary has $500,000. And how about if there's something else at play? 1. Mary is risk-averse, and as OP stated, John is a Boglehead 2. Or Mary has been following latest investment craze, whole life insurance, tech stocks, you name it 3....
- Wed Apr 12, 2023 8:53 am
- Forum: Personal Consumer Issues
- Topic: Musical Instrument Insurance
- Replies: 24
- Views: 1681
Re: Musical Instrument Insurance
Calico,
What eventually you found out? We are looking as well.
From the conversations I saw, the following:
Huntington
Clarion
Heritage
Will appreciate plus minus and any experience.
What eventually you found out? We are looking as well.
From the conversations I saw, the following:
Huntington
Clarion
Heritage
Will appreciate plus minus and any experience.
- Sun Mar 19, 2023 10:17 am
- Forum: Personal Consumer Issues
- Topic: The Economics of Coffee
- Replies: 5
- Views: 1126
The Economics of Coffee
This post illustrates why coffee producing countries are not rich.
(A recent post questioned why oil-producing countries are rich but not coffee-producing countries. By the way, if anyone invested in Starbucks as late as 8 years ago, their stock do well.)
https://www.visualcapitalist.com/the-ec ... one-chart/
(A recent post questioned why oil-producing countries are rich but not coffee-producing countries. By the way, if anyone invested in Starbucks as late as 8 years ago, their stock do well.)
https://www.visualcapitalist.com/the-ec ... one-chart/
- Wed Dec 21, 2022 6:55 am
- Forum: Personal Consumer Issues
- Topic: SoftwareGeek's Guide to Computer Security
- Replies: 608
- Views: 71455
Re: SoftwareGeek's Guide to Computer Security
Softwaregeek,
Thank you for the summary.
Can you please add comment on accessing financial websites from mobile phone, both from bookmarked websites and app and using password manager in mobile phone?
Thank you for the summary.
Can you please add comment on accessing financial websites from mobile phone, both from bookmarked websites and app and using password manager in mobile phone?
- Tue Dec 20, 2022 10:50 pm
- Forum: Personal Consumer Issues
- Topic: Memphis to New York Next Week
- Replies: 10
- Views: 938
Re: Memphis to New York Next Week
Thank you, everyone! Looking at A and C now.
Considering the artic blast that is coming and wondering when we should hit the road.....
Considering the artic blast that is coming and wondering when we should hit the road.....
- Mon Dec 19, 2022 8:04 am
- Forum: Personal Consumer Issues
- Topic: Memphis to New York Next Week
- Replies: 10
- Views: 938
Memphis to New York Next Week
Planning to do road trip from Memphis to New York, any tips?
1. Any special precaution if there is snow? Not sure if this is the path when people need to be ready with snow chain.
2. Google Maps suggests the following. Any comment which one has more elevation changes than the other?
a. Memphis - Nashville - Knoxville - W. VA & MD via Hwy 81 - then Allentown in PA - NYC
b. Memphis - Nashville - Knoxville - W. VA & MD via Hwy 81 - then 66 to go through Washington DC - Baltimore - Philadelphia - NYC
c. Memphis - Nashville - Columbus - PA via 76 - Allentown - NYC
1. Any special precaution if there is snow? Not sure if this is the path when people need to be ready with snow chain.
2. Google Maps suggests the following. Any comment which one has more elevation changes than the other?
a. Memphis - Nashville - Knoxville - W. VA & MD via Hwy 81 - then Allentown in PA - NYC
b. Memphis - Nashville - Knoxville - W. VA & MD via Hwy 81 - then 66 to go through Washington DC - Baltimore - Philadelphia - NYC
c. Memphis - Nashville - Columbus - PA via 76 - Allentown - NYC
- Wed Nov 09, 2022 11:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: The Ten Cheapest Countries to Live in
- Replies: 5
- Views: 1220
The Ten Cheapest Countries to Live in
This article from WealthyGorrila shows some countries that have been mentioned several times in this site....but have some new ones. Thought Comments?
Cambodia, Thailand, Malaysia, Mexico, Peru, Argentina, Vietnam, Nepal, Bolivia, and Indonesia.
Personally I am curious of the Healthcare and safety of these countries.
https://wealthygorilla.com/cheapest-countries/#summary
Cambodia, Thailand, Malaysia, Mexico, Peru, Argentina, Vietnam, Nepal, Bolivia, and Indonesia.
Personally I am curious of the Healthcare and safety of these countries.
https://wealthygorilla.com/cheapest-countries/#summary
- Sat Nov 05, 2022 7:53 pm
- Forum: Personal Consumer Issues
- Topic: best laptop for under $800
- Replies: 39
- Views: 3787
Re: best laptop for under $800
I'm in the market and Rd123123 post is compelling. I saw this one by HP, slightly cheaper ($649), would this work for similar use to OP (with laptop occasionally be brought to school)? https://www.bestbuy.com/site/hp-15-6-touch-screen-laptop-intel-core-i7-16gb-memory-512gb-ssd-natural-silver/6477889.p?skuId=6477889 HP - 15.6" Laptop - Intel Core i7 - 16GB Memory - 512GB SSD - Intel® Iris® Xe Graphics - 1920 x 1080 (Full HD)- Windows 11 Home in S Mode I highly recommend 512GB SSD instead of 256GB SSD. I have two elementary school boys, they do light gaming, and 256GB is not large enough to handle the size of today's games, or even games that are older. They can only install 2 or 3 bigger games. I upgraded them to 1TB (1024GB) SSD, but t...
- Sat Nov 05, 2022 10:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Newcourse Communication Data Breach
- Replies: 1
- Views: 710
Newcourse Communication Data Breach
Does anyone receive any communication from Newcourse Communication about data breach? They claim to be the mailing service for my mortgage provider. (Quick Google check shows Reddit thread on similar data breach at Newcourse Communication as the mailing service for Penfed and First United Bank.) They offer services via IDX, including 24 months of credit and CyberScan monitoring, $1M insurance reimbursement and ID theft recovery services. Is this legit or scam? Does anyone have any scoop? Can anyone suggest of the typical name of the specific department in my financial institution that I should talk to ("hoax/scam department"?)? (From Reddit thread, it appears various contacts in both PenFed and First United Bank confirm it is legi...
- Wed Oct 12, 2022 11:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dream Car Porsche - Should I buy it ?
- Replies: 388
- Views: 46037
- Tue Aug 23, 2022 12:46 am
- Forum: Personal Finance (Not Investing)
- Topic: Best way to send US$ to foreign bank account
- Replies: 31
- Views: 3228
Re: Best way to send US$ to foreign bank account
Has anyone tried Vanguard to wire USD overseas?
- Fri Aug 12, 2022 11:44 am
- Forum: Investing - Theory, News & General
- Topic: Reducing balances of tax deferred accounts before RMDs
- Replies: 50
- Views: 5487
Re: Reducing balances of tax deferred accounts before RMDs
Celia, what's the magic of age of 72?celia wrote: ↑Fri Aug 12, 2022 12:57 amThis “advice” doesn’t make sense to me. I could always set an unrealistic goal (like staying in a low 10% tax bracket), but that doesn’t mean I would ever meet the goal. And if I did, I might have to abandon doing any Roth conversions, only to find out at age 72, that it was a mistake, because my tax bracket could increase much higher after age 72 unless I gave all my RMDs to charity.
My strategy is to first calculate my expected tax-deferred balance at 72 and RMDs after that to at least 75 without doing any Roth conversions. Then I would estimate my Taxable Income and tax bracket for age 72 and later.
- Wed Jun 22, 2022 12:02 am
- Forum: Personal Consumer Issues
- Topic: Is Bidding for Hotel Room is Still a Thing?
- Replies: 7
- Views: 1843
Re: Is Bidding for Hotel Room is Still a Thing?
Thank you, techrover, runner3081!
Runner3081, can you please elaborate?runner3081 wrote: ↑Tue Jun 21, 2022 8:43 am Fortunately, it is very easy to tell which one you are getting, through a variety of methods.
- Tue Jun 21, 2022 12:55 am
- Forum: Personal Consumer Issues
- Topic: Is Bidding for Hotel Room is Still a Thing?
- Replies: 7
- Views: 1843
Is Bidding for Hotel Room is Still a Thing?
I didn't see any mention about bidding for hotel rate other than from the post below...over a decade old.
viewtopic.php?p=1136800#p1136800
Is there no longer bidding for hotel stay?
Or what is the alternative?
viewtopic.php?p=1136800#p1136800
Is there no longer bidding for hotel stay?
Or what is the alternative?
- Sun Jun 05, 2022 11:43 pm
- Forum: Personal Consumer Issues
- Topic: Safe City Section in Atlanta and other Tourist Question
- Replies: 14
- Views: 1366
Safe City Section in Atlanta and other Tourist Question
My teenager and I are looking to visit Atlanta for few days and looking for recommendations from bogleheads.
1. Which are safe area to pick hotel in? Thinking 2 or 3 stars hotel but willing to try airbnb.
2. How bad is traffic? Should we try rail vs car? (Will have rental car. I recall Washington DC is better with rail vs car, for example. )
3. Are CNN tour and Coke tasting open? Has anyone toured CDC?
4. Is there any must see place around Atlanta, say within 3-hour drive?
1. Which are safe area to pick hotel in? Thinking 2 or 3 stars hotel but willing to try airbnb.
2. How bad is traffic? Should we try rail vs car? (Will have rental car. I recall Washington DC is better with rail vs car, for example. )
3. Are CNN tour and Coke tasting open? Has anyone toured CDC?
4. Is there any must see place around Atlanta, say within 3-hour drive?
- Wed Jun 01, 2022 1:39 pm
- Forum: Personal Consumer Issues
- Topic: New Orleans to Birmingham - Terrain & Stops
- Replies: 18
- Views: 1478
Re: New Orleans to Birmingham - Terrain & Stops
Thank you for all inputs!
@littleridge, can you please elaborate more on Huntsville? Probably will visit Huntsville to round out the trip.
@littleridge, can you please elaborate more on Huntsville? Probably will visit Huntsville to round out the trip.
littleridge wrote: ↑Sun May 29, 2022 6:12 pm
Huntsville, a couple of hours north, has many attractions also. Especially the U.S. Space & Rocket Center.
- Sun May 29, 2022 3:39 pm
- Forum: Personal Consumer Issues
- Topic: New Orleans to Birmingham - Terrain & Stops
- Replies: 18
- Views: 1478
New Orleans to Birmingham - Terrain & Stops
Is there an app/website that will give a preview what the road will look like? Planning to do a road trip from New Orleans to Birmingham, AL, and would like to get a feel of the road - I spotted some mountains. The only previous thread is very old and does not have the answer.
viewtopic.php?p=2161548#p2161548
Any spots that should not be missed in Birmingham or in the path? Looking for things not to be missed, scenic places, outdoor and significant historical/governmental building/monument are plusses.
viewtopic.php?p=2161548#p2161548
Any spots that should not be missed in Birmingham or in the path? Looking for things not to be missed, scenic places, outdoor and significant historical/governmental building/monument are plusses.
- Thu May 19, 2022 7:36 pm
- Forum: Personal Investments
- Topic: What is TLH pair for VIPSX (Vanguard Inflation-Protected Securities Fund)?
- Replies: 2
- Views: 397
What is TLH pair for VIPSX (Vanguard Inflation-Protected Securities Fund)?
What would you suggest for a TLH pair for VIPSX (Vanguard Inflation-Protected Securities Fund)?
(Purchased to protect downside from inflation.)
(Purchased to protect downside from inflation.)
- Thu May 19, 2022 7:21 pm
- Forum: Personal Investments
- Topic: Is it possible to do a direct 401k to Roth IRA rollover/conversion?
- Replies: 7
- Views: 1332
- Wed May 18, 2022 11:17 pm
- Forum: Personal Investments
- Topic: Two Financial Institutions: Roth Conversion in Down Market
- Replies: 2
- Views: 410
Two Financial Institutions: Roth Conversion in Down Market
There have been numerous threads on the benefit to convert tax-deferred account to Roth during down market.
My question is how would you do it if you have the accounts at two different financial institutions, effectively inserting ~2 weeks to the process (say, one week from Vanguard to me then another week from me to Fidelity).
Current market gyrations is a bit nutty, I prefer not to be out the market for that long.
What would you do?
My question is how would you do it if you have the accounts at two different financial institutions, effectively inserting ~2 weeks to the process (say, one week from Vanguard to me then another week from me to Fidelity).
Current market gyrations is a bit nutty, I prefer not to be out the market for that long.
What would you do?
- Sat Apr 16, 2022 11:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Transfer from 401K to Another 401K Across Years
- Replies: 3
- Views: 511
Transfer from 401K to Another 401K Across Years
Another 1099-R question.
I rolled funds from an old 401K to another 401K - took 55 days but across Dec 31, 2021.
The 1099-R box 7 shows code 2. Is this correct? I thought it will be code G.
Corrected to add box number.
I rolled funds from an old 401K to another 401K - took 55 days but across Dec 31, 2021.
The 1099-R box 7 shows code 2. Is this correct? I thought it will be code G.
Corrected to add box number.