Have you looked at glamping tents? They tend to have heavier poles and be very durable.
https://www.fieldmag.com/articles/glamping-tents-guide
Search found 1311 matches
- Tue Feb 28, 2023 1:21 am
- Forum: Personal Consumer Issues
- Topic: Need recommendations for Canvas camping tent
- Replies: 29
- Views: 2232
- Tue Feb 28, 2023 12:50 am
- Forum: Personal Investments
- Topic: Social Security bridge money
- Replies: 23
- Views: 4628
Re: Social Security bridge money
+1. "A dollar in taxable is worth more than a dollar in a tax-deferred account." Stay in a reasonably tax bracket, but spending tax-deferred is preferable.Harmanic wrote: ↑Sun Feb 19, 2023 9:07 am If you do end up using cash, make sure you do the roth conversion in those years, because your tax rate will be very low during the bridge years. Alternatively, you could use your retirement funds for the bridge and keep the cash invested for potential long term care, etc.
- Thu Feb 23, 2023 12:44 pm
- Forum: Personal Investments
- Topic: Newly retired - Roth conversion and IRMMA help?
- Replies: 28
- Views: 3352
Re: Newly retired - Roth conversion and IRMMA help?
You can get an estimate of RMDs at
https://www.schwab.com/ira/ira-calculators/rmd
You'll need to calculate each parent's IRA+401+403 total. Then, for surviving spouse, do a single combined calculation. Be sure to scroll down to "See your future RMDs and plan ahead." Without Roth conversions, the surviving spouse at age 85 will need to take RMDs of ~$200-250,000/year.
https://www.schwab.com/ira/ira-calculators/rmd
You'll need to calculate each parent's IRA+401+403 total. Then, for surviving spouse, do a single combined calculation. Be sure to scroll down to "See your future RMDs and plan ahead." Without Roth conversions, the surviving spouse at age 85 will need to take RMDs of ~$200-250,000/year.
- Mon Feb 20, 2023 8:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Using tIRA money to pay taxes on Roth conversion
- Replies: 8
- Views: 758
Re: Using tIRA money to pay taxes on Roth conversion
You have an extra year -- now it's RMDs at 73.
"If you were born January 1, 1951 - December 31, 1958, your RMD age is 73. If you were born after December 31, 1958, your RMD age is 75."
Have you played with the Schwab RMD Calculator? https://www.schwab.com/ira/ira-calculators/rmd
... Note the lower section "See your future RMDs and plan ahead."
- Sat Feb 18, 2023 11:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Low effort disposable job recommendations
- Replies: 74
- Views: 9537
Re: Low effort disposable job recommendations
For anyone looking for a disposable job with a W-2 and withholding for SS & Medicare -- try county poll worker. Wages depend on the county/state, but it's a one day gig with breaks. In general, the job is a good way to meet other retired people.
- Thu Feb 16, 2023 4:04 pm
- Forum: Personal Consumer Issues
- Topic: Building a House -- Criticize My Decision and Floor Plan
- Replies: 117
- Views: 12622
Re: Building a House -- Criticize My Decision and Floor Plan
Your house starts at the sidewalk ... Porch / Entry: * Make it easy to get to the front door from the street (dry-shod) (while carrying a slow-cooker full of meatballs for Superbowl or Thanksgiving or Covid patients.) * Porch roof slope should not dump rain runoff on guests. * Porch should offer at least 3 guests some protection from snow, rain & sun. * Have a place to put that slow-cooker down while ringing the doorbell. * And ditto, have a place inside to put stuff down, take off coats & shoes, say hi to hosts. * Have a way for a person using a walker or wheelchair to get into the house. * Have a place for Amazon deliveries that the driver will find easily, but acquisitive drivers-by won't. And that you can get to from inside comf...
- Tue Feb 14, 2023 11:10 pm
- Forum: Personal Consumer Issues
- Topic: Freetaxusa vs Turbotax
- Replies: 121
- Views: 17177
Re: Freetaxusa vs Turbotax
My life is blighted. But better to know than when I file!
- Tue Feb 14, 2023 5:41 pm
- Forum: Personal Consumer Issues
- Topic: Freetaxusa vs Turbotax
- Replies: 121
- Views: 17177
Re: Freetaxusa vs Turbotax
Using the coupon code FREETAXUSA10 gives 10% off the state tax price, plus whatever service level you'd like, ... so $13.50 rather than $15.
- Mon Feb 13, 2023 6:18 pm
- Forum: Personal Investments
- Topic: I just learned about a Roth conversion. Is it for me?
- Replies: 14
- Views: 1912
Re: I just learned about a Roth conversion. Is it for me?
Brilliant!MJS wrote: ↑Mon Feb 13, 2023 5:41 pmOnly earnings can be used to start your Roth. If you worked in 2022, you can start a Roth before April 18. If not, then a 1 hour job paying minimum wage would suffice: County poll worker, consultant, teach a handyman class at your local community center. But you need W2 wages to start a Roth.
Yes, the spouse can open a Roth for him:
https://www.investopedia.com/open-roth- ... se-5220427
- Mon Feb 13, 2023 5:41 pm
- Forum: Personal Investments
- Topic: I just learned about a Roth conversion. Is it for me?
- Replies: 14
- Views: 1912
Re: I just learned about a Roth conversion. Is it for me?
Only earnings can be used to start your Roth. If you worked in 2022, you can start a Roth before April 18. If not, then a 1 hour job paying minimum wage would suffice: County poll worker, consultant, teach a handyman class at your local community center. But you need W2 wages to start a Roth.
- Sat Feb 11, 2023 9:18 pm
- Forum: Personal Consumer Issues
- Topic: Parking minivan on driveway
- Replies: 72
- Views: 5965
Re: Parking minivan on driveway
I've always garaged, but several people in my desert neighborhood use car covers. Whether car covers provide any protection against snow or ice is beyond me, but a dark-colored one might keep the car warmer or protect the headlights.
- Sat Feb 11, 2023 4:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pending Michigan legislation: Retiree Tax Relief?
- Replies: 3
- Views: 446
Re: Pending Michigan legislation: Retiree Tax Relief?
To find current, suggested, but not final text of pending legislation, go to the relevant government web site: http://www.legislature.mi.gov
Could be ... HB-4001
Could be ... HB-4001
- Fri Feb 10, 2023 9:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRS: Recipients of States' Inflation Payments Wait To file Returns
- Replies: 25
- Views: 2745
Re: IRS: Recipients of States' Inflation Payments Wait To file Returns
IRS posts guidance:
https://www.irs.gov/newsroom/irs-issues ... -taxpayers
" ... in the interest of sound tax administration and other factors, taxpayers in many states will not need to report these payments on their 2022 tax returns"
" ... This means that people in the following states do not need to report these state payments on their 2022 tax return: California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Maine, New Jersey, New Mexico, New York, Oregon, Pennsylvania and Rhode Island. Alaska is in this group as well, but ..."
https://www.irs.gov/newsroom/irs-issues ... -taxpayers
" ... in the interest of sound tax administration and other factors, taxpayers in many states will not need to report these payments on their 2022 tax returns"
" ... This means that people in the following states do not need to report these state payments on their 2022 tax return: California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Maine, New Jersey, New Mexico, New York, Oregon, Pennsylvania and Rhode Island. Alaska is in this group as well, but ..."
- Mon Feb 06, 2023 5:08 pm
- Forum: Personal Consumer Issues
- Topic: Need a DURABLE laptop / Chromebook suggestion
- Replies: 33
- Views: 2514
Re: Need a DURABLE laptop / Chromebook suggestion
More about college discountselcadarj wrote: ↑Mon Feb 06, 2023 3:28 pm Check with student store. Bought our sons' college laptops through the campus bookstore. Student pricing and equipment was serviced through the university's tech support. Also included all risk insurance coverage (drops, spills, theft, etc.) at what I thought were reasonable prices.
https://www.apple.com/us-edu/store
https://www.dell.com/en-us/lp/delluniversity
https://www.microsoft.com/en-us/store/b/education
- Mon Feb 06, 2023 2:47 pm
- Forum: Investing - Theory, News & General
- Topic: Has Anyone Simulated running a Boglead portfolio through the Great Depression Period ?
- Replies: 55
- Views: 6308
Re: Has Anyone Simulated running a Boglead portfolio through the Great Depression Period ?
Historical Investment Calculator:
https://financial-calculators.com/histo ... calculator
Mix its S&P500 with ... cash?
https://financial-calculators.com/histo ... calculator
Mix its S&P500 with ... cash?
- Thu Feb 02, 2023 12:38 pm
- Forum: Personal Consumer Issues
- Topic: Kitchen reno: General advice?
- Replies: 23
- Views: 2892
Re: Kitchen reno: General advice?
Concentrate durability on things you touch - floor, countertop, faucet, handles. Avoid surface finishes on those items, such as laquered knobs or glazed ceramic. Pay for easy-to-maintain. On items that you mostly look at, avoid grease-catcher features such as indentations. Avoid adjoining surfaces that need different kinds of cleaning, such as glass & wood.longterm100 wrote: ↑Wed Feb 01, 2023 11:41 am What are the areas that you would advise spending more money on rather than less?
Oh, and watch out for pocket ripper handles.
- Wed Feb 01, 2023 10:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Charitable Giving - QCD vs. Donating Taxable Mutual Fund
- Replies: 15
- Views: 1111
Re: Charitable Giving - QCD vs. Donating Taxable Mutual Fund
Insufficient data...
Are the shares of your taxable investment account being spent each year? If they go to charity, will you need to tap other funds?
If these shares will, eventually, pass to charity or human heirs, then donating them now will not produce any benefit.
Are the shares of your taxable investment account being spent each year? If they go to charity, will you need to tap other funds?
If these shares will, eventually, pass to charity or human heirs, then donating them now will not produce any benefit.
- Tue Jan 31, 2023 12:00 pm
- Forum: Personal Consumer Issues
- Topic: Can anyone recommend a quality desk [or a place to shop for one]?
- Replies: 33
- Views: 2518
Re: Can anyone recommend a quality desk [or a place to shop for one]?
I take it that $14,000 is a tad bit beyond your budget?
https://www.thosmoser.com/product/eight ... ting-desk/
Adding a back bib would up the price. However, you would get real solid wood, finely crafted, and it could be made to your measure.
- Sat Jan 28, 2023 10:28 pm
- Forum: Personal Consumer Issues
- Topic: Ideal europe trip in late May/early June
- Replies: 12
- Views: 1133
Re: Ideal europe trip in late May/early June
Costcotravel.com has a number of London-and packages. The descriptions could give you some ideas of travel & cost.
- Sat Jan 28, 2023 7:33 pm
- Forum: Personal Consumer Issues
- Topic: Which Southwest USA Trip Should I do?
- Replies: 27
- Views: 2790
Re: Which Southwest USA Trip Should I do?
OPTION #1: Sedona/Moab (borrowed from Adventures by Disney itinerary) 800 miles / 14 hours driving June is very hot. Day 1 Fly into PHX Go to Musical Instrument Museum Sleep in Phoenix Day 2 Avoid the heat ... Arise at 4am every day = 7am eastern time Drive to Sedona (2 hours) ... Go via Montezuma's Well Pink Jeep Tour (morning) Explore downtown Sedona Sleep in Sedona IMHO: Sedona is a despicable tourist trap Oak Creek Canyon drive to Flagstaff (1 hour) ... stop at Slide Rock if time permits Sleep in Flagstaff Day 3 Drive to Grand Canyon (2 hours) ... Take any shuttle bus, then walk back along the flat, well-paved Rim Trail to your car. Slow scenic drive to Cameron (90 minutes) Spend night in Grand Canyon Cameron Trading Post. Eat Navajo t...
- Thu Jan 26, 2023 10:46 am
- Forum: Personal Consumer Issues
- Topic: Information sources on health
- Replies: 24
- Views: 1530
Re: Information sources on health
For a layperson's review of men's health, consider Harvard Men’s Health Watch. Reasonably accurate, reasonably cautious.
https://www.health.harvard.edu/promotio ... tch-ds0908
Note that what Harvard publishes will be based on the best current data -- but current data is by its nature inadequate data. So assume >50% is wrong.
Table of contents:
https://www.health.harvard.edu/newslett ... ack-issues
https://www.health.harvard.edu/promotio ... tch-ds0908
Note that what Harvard publishes will be based on the best current data -- but current data is by its nature inadequate data. So assume >50% is wrong.
Table of contents:
https://www.health.harvard.edu/newslett ... ack-issues
- Wed Jan 25, 2023 11:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Spouse Turning 65…. Can we Keep Employer’s Health Insurance? Skip Medicare
- Replies: 26
- Views: 3630
Re: Spouse Turning 65…. Can we Keep Employer’s Health Insurance? Skip Medicare
It was very profitable for Wallis Simpson.Darth Xanadu wrote: ↑Wed Jan 25, 2023 10:26 am Ha, I thought the thread title said "Spouse Churning".
Now THERE'S an expensive hobby!
- Fri Jan 20, 2023 4:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Are there ways to reduce tax on IRA distributions?
- Replies: 62
- Views: 7273
Re: Are there ways to reduce tax on IRA distributions?
If either you or your spouse is at any degree of risk for dementia, stroke, or a medical condition that could make the basic Activities of Daily Living difficult -- look into Continuing Care Retirement Communities (CCRC). They are like an annuity for long term care & independent living. San Diego has some very nice CCRCs, but they would probably be cheaper in Vegas.
About: https://www.kiplinger.com/retirement/is ... ht-for-you
About: https://www.kiplinger.com/retirement/is ... ht-for-you
- Fri Jan 20, 2023 2:53 pm
- Forum: Personal Consumer Issues
- Topic: [AmazonSmile charity program to be terminated]
- Replies: 91
- Views: 5583
Re: [AmazonSmile charity program to be terminated]
Sometimes, corporations change their minds.* I wrote to the Amazon executive email -- jeff@amazon.com -- to request a stay of executive for Smile.
* Sixty years ago, Star Trek wasn't canceled. One hopes that wasn't the only example.
* Sixty years ago, Star Trek wasn't canceled. One hopes that wasn't the only example.
- Wed Jan 18, 2023 11:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Wills/Estates/Bequests as a Single Person
- Replies: 12
- Views: 1451
Re: Wills/Estates/Bequests as a Single Person
Also single. Started with siblings as heirs & beneficiaries. When the youngest nie-phew graduated from college, I called my siblings and told them I was making their kids my heirs, instead of them. No hurry, so it took about two years to get everything set up. Have also started adding charities as beneficiaries on pre-tax 401k's & T-IRA's.
- Sat Jan 14, 2023 10:21 am
- Forum: Personal Finance (Not Investing)
- Topic: How to time correctly withdrawal of RMD's?
- Replies: 15
- Views: 1669
Re: How to time correctly withdrawal of RMD's?
To me, RMDs & Estimated Taxes are mixed together. I'm still new at this, so trying different strategies. Jan - Feb. Record 12/31 Balances to determine RMDs. 1. Get a rough estimate of next year's taxes via https://cotaxaide.org/tools/Estimated%20Tax%20Worksheet.html ... A. Vary tax-withheld-from-RMD amount to see if waiting until late in the year would generate more than $100 in interest. If so, then skip Estimated Taxes & Withhold full tax-due amount in Oct-Nov. ... B. Vary non-RMD income, such as capital gains or emergency T-IRA withdrawals to see if having a withholding pool at the end of the year might be useful. 2. Set up quarterly Estimated Taxes via EFTPS https://www.eftps.gov/eftps/ Mar-Apr 1. Do last year's taxes. Note tota...
- Sat Jan 07, 2023 8:08 pm
- Forum: Investing - Theory, News & General
- Topic: News feeds to get real-time info that affects stock prices
- Replies: 43
- Views: 2802
Re: News feeds to get real-time info that affects stock prices
The Schwab Market Update provides Really Good Reasons for why the market zigged today at 9:15, 1:15 & 4:15. Of course, sometimes the Really Good Reason was also why the market zagged three months. But I enjoy reading the Update on those What?What days.
However, the real reason for market zig-zag is the Innate Malice of the Universe. See Resistentialism, Murphy's law, Finagle's law and Sod's law.
However, the real reason for market zig-zag is the Innate Malice of the Universe. See Resistentialism, Murphy's law, Finagle's law and Sod's law.
- Sat Jan 07, 2023 4:51 pm
- Forum: Personal Consumer Issues
- Topic: Travel luggage preferences
- Replies: 58
- Views: 4988
Re: Travel luggage preferences
I fly out of a regional airport, not a hub. I use a 2-wheeled euro-sized carry-on plus one variable underseat bag - from a tiny waistpack to a fair sized duffle that just squeeeezes underseat.
My decision tree
* IF direct flight OR one layover < 90 minutes long OR have to do customs during a < 3 hour layover: carry-on only.
* IF Between: depends.
* IF layover > 4 hours OR 2+ layovers: check the roll-on.
My decision tree
* IF direct flight OR one layover < 90 minutes long OR have to do customs during a < 3 hour layover: carry-on only.
* IF Between: depends.
* IF layover > 4 hours OR 2+ layovers: check the roll-on.
- Mon Jan 02, 2023 10:01 pm
- Forum: Personal Consumer Issues
- Topic: Park and fly Dulles
- Replies: 7
- Views: 747
Re: Park and fly Dulles
When you arrive back at Dulles from Europe, driving for 3-4 hours will be stressful. Not recommended.
- Mon Jan 02, 2023 9:34 pm
- Forum: Personal Consumer Issues
- Topic: Quick and easy day in Grand Canyon - Recommendations?
- Replies: 23
- Views: 1603
Re: Quick and easy day in Grand Canyon - Recommendations?
+1. Breakfast at dawn -- around 7:15 -- provides spectacular views of sunrise over the canyon.rockstar wrote: ↑Mon Jan 02, 2023 8:43 pm Eat at El Tovar.
https://www.grandcanyonlodges.com/lodgi ... var-hotel/
+1. Meet non-walkers at Yavapai Geology Museum to see the pipe bringing spring water from the north rim to the south rim: it is an amusing bit of engineering.And then walk the Trail of Time that's to the right of the hotel. It's an easy, paved trail with markers along the way.
https://www.nps.gov/grca/planyourvisit/ ... f-time.htm
- Sun Jan 01, 2023 9:16 pm
- Forum: Personal Consumer Issues
- Topic: [Traveling to Palm Springs -- Recommendations?]
- Replies: 20
- Views: 1691
Re: [Traveling to Palm Springs -- Recommendations?]
The Date Festival in Indio -- 35 minutes away -- is Feb 17-26. (It's also the Riverside County Fair, but The Dates are what really matter. ) Drink a date shake.
- Sun Jan 01, 2023 1:36 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR THE 2023 BOGLEHEAD CONTEST
- Replies: 672
- Views: 41015
- Thu Dec 29, 2022 12:53 pm
- Forum: Personal Consumer Issues
- Topic: What are your best tips for more comfortable and happy travel?
- Replies: 107
- Views: 11042
Re: What are your best tips for more comfortable and happy travel?
International travel: Before you leave, get an e-SIM for your phone and install it. Being able to communicate on arrival increases comfort.
Second, read Two Years Before the Mast before you embark on low-cost travel. Rejoice in not having an unwashed flatulent sailor sleeping 2" above your nose while becalmed in the tropics. Or worse, being an unwashed ...
Second, read Two Years Before the Mast before you embark on low-cost travel. Rejoice in not having an unwashed flatulent sailor sleeping 2" above your nose while becalmed in the tropics. Or worse, being an unwashed ...
- Wed Dec 28, 2022 5:10 pm
- Forum: Personal Consumer Issues
- Topic: Flight attendant travel tips
- Replies: 193
- Views: 22962
Re: Flight attendant travel tips
Flying out of a smaller airport, few direct flights:
.. IF direct flight or one short layover, carry-on only.
.. IF 2+ stops or layover > 4 hours, check all but overnight kit.
.. IF bringing bottles of alcohol or other liquids, check that bag.
.. IF direct flight or one short layover, carry-on only.
.. IF 2+ stops or layover > 4 hours, check all but overnight kit.
.. IF bringing bottles of alcohol or other liquids, check that bag.
- Sat Dec 24, 2022 8:46 pm
- Forum: Personal Consumer Issues
- Topic: Niagara Falls in May/June
- Replies: 40
- Views: 4296
Re: Niagara Falls in May/June
The Royal Botanical Gardens offer free Reciprocal Admission if you are a member of another participating garden. The Reciprocal Admission benefit is utterly Bogleheads!OpenMinded1 wrote: ↑Sat Dec 24, 2022 5:39 pm Might want to check out the Royal Botanical Gardens on the north side of Hamilton, ON. It's just a short drive from Niagara Falls. DW and I enjoyed it.
https://ahsgardening.org/gardening-programs/rap/
- Sat Dec 24, 2022 8:09 pm
- Forum: Personal Investments
- Topic: What to do with Roth IRA with very small balance
- Replies: 33
- Views: 2636
Re: What to do with Roth IRA with very small balance
Do you have another Roth somewhere? If not, keep it open for the sake of the 5 year rule and doing Roth conversions (if you have a low income year.)
- Fri Dec 23, 2022 1:24 pm
- Forum: Personal Consumer Issues
- Topic: How do you search for plane tickets? (tired of budget airline gimmicks)
- Replies: 79
- Views: 11361
Re: How do you search for plane tickets? (tired of budget airline gimmicks)
Perhaps the extra charges for Priority Boarding & EarlyBird Check-In might be considered "seat selection" fees? It's a rare flight when I don't for pay for EarlyBird.
- Fri Dec 23, 2022 1:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Approach to supporting elderly with cognitive decline
- Replies: 27
- Views: 2859
Re: Approach to supporting elderly with cognitive decline
Book recommendation:
Lewis Mandell. 2013. What to Do When I Get Stupid: A Radically Safe Approach to a Difficult Financial Era.
https://www.amazon.com/What-When-Get-St ... B00EDWTFU2
Lewis Mandell. 2013. What to Do When I Get Stupid: A Radically Safe Approach to a Difficult Financial Era.
https://www.amazon.com/What-When-Get-St ... B00EDWTFU2
- Fri Dec 23, 2022 10:37 am
- Forum: Personal Consumer Issues
- Topic: Donating to Wikipedia
- Replies: 44
- Views: 5256
Re: Donating to Wikipedia
Yes! Thank you for clarifying!Makefile wrote: ↑Thu Dec 22, 2022 9:40 pmTo be fair, looks like CharityNavigator cannot rate the Center even if they wanted to be rated because the annual revenue is too small.MJS wrote: ↑Thu Dec 22, 2022 7:29 pm+1. For a tax deductible donation, The John C Bogle Center for Financial Literacy has some overlap.SmileyFace wrote: ↑Thu Dec 15, 2022 10:04 am And don't forget to donate here: https://www.bogleheads.org/support.php
https://boglecenter.net/donate/
Note - unrated on CharityNavigator.
https://www.charitynavigator.org/ein/274067736
- Thu Dec 22, 2022 7:29 pm
- Forum: Personal Consumer Issues
- Topic: Donating to Wikipedia
- Replies: 44
- Views: 5256
Re: Donating to Wikipedia
+1. For a tax deductible donation, The John C Bogle Center for Financial Literacy has some overlap.SmileyFace wrote: ↑Thu Dec 15, 2022 10:04 am And don't forget to donate here: https://www.bogleheads.org/support.php
https://boglecenter.net/donate/
Note - unrated on CharityNavigator.
https://www.charitynavigator.org/ein/274067736
- Thu Dec 22, 2022 5:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Bogglehead Advice for Expecting Parents?
- Replies: 38
- Views: 3429
Re: Bogglehead Advice for Expecting Parents?
A Costco membership: get good-quality, low-cost, & bulk-sized to reduce shopping expeditions for
* disposable stuff like diapers and paper plates;
* parent food & baby formula; giant veggie trays!
* reliable car seats & baby furnishings
Have you planned for storage space for a third person in your home & vehicles?
* disposable stuff like diapers and paper plates;
* parent food & baby formula; giant veggie trays!
* reliable car seats & baby furnishings
Have you planned for storage space for a third person in your home & vehicles?
- Thu Dec 22, 2022 5:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Roth conversions between time SS begins and RMDs begin and maybe later
- Replies: 21
- Views: 1854
Re: Roth conversions between time SS begins and RMDs begin and maybe later
How are you assessing the tax bracket when one of you is single? With $1.5m, withdrawals will be in $58-68k range which will over the 22 (25)% bracket just by itself.
- Mon Dec 12, 2022 4:51 pm
- Forum: Personal Investments
- Topic: RMD Calculator
- Replies: 34
- Views: 4260
Re: RMD Calculator
Edit - sorry for the duplicate recommendation.
For a rough estimate -- https://www.schwab.com/ira/ira-calculators/rmd
Scroll down to "See your future ... " and use the drop down menu for a slightly more nuanced picture.
Note that the estimates of last year's RMD (from my then 20% higher portfolio) were higher than this year's!
For a rough estimate -- https://www.schwab.com/ira/ira-calculators/rmd
Scroll down to "See your future ... " and use the drop down menu for a slightly more nuanced picture.
Note that the estimates of last year's RMD (from my then 20% higher portfolio) were higher than this year's!
- Thu Dec 08, 2022 9:22 am
- Forum: Personal Consumer Issues
- Topic: Best Luggage Set
- Replies: 23
- Views: 2759
Re: Best Luggage Set
For the price of a luggage set, you can get a heavy-duty long-lasting, light-weight Briggs & Riley carry-on. Given that your carry-on gets the most use, consider a B&R Global Cabin Bag that complements your current set. Acknowledge - it's not what you want! But it would be a Bogleheads thing to do!
- Wed Nov 30, 2022 8:06 am
- Forum: Personal Finance (Not Investing)
- Topic: Pre-marital financial counseling?
- Replies: 23
- Views: 2827
Re: Pre-marital financial counseling?
One of the things I've learned on Bogleheads is that "what you don't know that you don't know" is what comes back to bite you. Doing both - intense discussion and financial [coach | counseling | advising] strikes me as sensible. Best wishes to you both!
- Sun Nov 27, 2022 8:09 am
- Forum: Personal Consumer Issues
- Topic: Trail Shoes and Winter Boots for wide forefoot/narrow heel?
- Replies: 32
- Views: 4050
Re: Trail Shoes and Winter Boots for wide forefoot/narrow heel?
My solution was 4E wide shoes, fitted with standard width / neutral heel insoles. If you have a well-fitting set of boots, try several kinds of insoles - arch, heel cup, posting - can make a difference. A spare set of insoles is almost as good as a spare set of boots.
- Wed Nov 23, 2022 11:10 pm
- Forum: Investing - Theory, News & General
- Topic: Happy Fibonacci Day!
- Replies: 17
- Views: 2627
Re: Happy Fibonacci Day!
OP: "In the Fibonacci sequence, each number is the sum of the two preceding numbers - ex. 1, 1, 2, 3, 5, 8, 13, 21, 34"
Today is 11 23 ... first 4 digits of the Fibonacci sequence.
Pi day = 3 14. Eat Pie!
E-Day (Eulers Number) = 2 17.
Yellow Pig Day is important to math nerds.
https://www.pleacher.com/mp/mfacts/mobdays.html
- Wed Nov 23, 2022 10:23 am
- Forum: Personal Finance (Not Investing)
- Topic: How much post retirement with pension
- Replies: 11
- Views: 1536
Re: How much post retirement with pension
This tool gives you some ideas of the variables. You can edit it to better fit your situation.
https://engaging-data.com/will-money-la ... &mort=best
https://engaging-data.com/will-money-la ... &mort=best
- Tue Nov 22, 2022 2:26 pm
- Forum: Personal Consumer Issues
- Topic: How To Select a Cruise (Mediterranean, Spring/Fall 2023)
- Replies: 20
- Views: 1320
Re: How To Select a Cruise (Mediterranean, Spring/Fall 2023)
If you have ports you'd especially like to visit, double check how long the ship will be there. 10am to 3pm is barely time to see the dock area. 7am to 10pm -- or an over-night! -- is far more satisfying.
- Fri Nov 18, 2022 3:30 pm
- Forum: Personal Consumer Issues
- Topic: After-school activities & enrichment for Kindergartener
- Replies: 15
- Views: 1453
Re: After-school activities & enrichment for Kindergartener
Spanish or another language, learned from a native speaker. Your child might not learn much vocabulary or grammar, but they will acquire the ability to pronounce the language, and get a sense for pauses and emphasis. It is very difficult to learn those after age 10 or so. Youtubes in the language you select can keep the language skills fresh.