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i like fi physician. he gets into retirement issues quite a bit, so i suspect that’s why people migrate over there as a sort of next step. not as lucid...

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tech in many places is like what finance in new york city has been for decades; less formal training to get paid more than many professionals, and bidding...

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i don’t think morality or ethics are involved with mortgage default. it is part of the risk the bank takes to make money off me. if i can’t make payments,...

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Wwwbd?

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sounds like heinous opportunism. he keeps all the upside but wants to share any downside (and maybe making up the numbers). next step may be selling to...

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. . . and to spite those rooting for your death.

personal finance is personal.

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at current age, kids in future may care more about the memories of spending time with you now than the additional million(s) you left them.

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yeah, these stories of severe asceticism has the flavor of extreme frugality for its own state, even if stated otherwise as a means to an end. perhaps...

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if you get a two-bedroom oceanfront condo maybe you could lock off the master bedroom bedroom and airbnb it as a one bedroom, for the many weeks you are...

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i’ll see your “beach house” and raise you “no kids.”

to me those cancel out....

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returns after retirement were lucky

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jl collins seems to like vanguard because by structure they don’t seek profits. will lower fees last at the other places?

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or perhaps autoimmune encephalitis or excited catatonia?...

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are we talking 360 degree head rotation and projectile vomiting?

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colonel mustard in the billiard room with the revolver...

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i recognize florida real estate has recovered. what makes me nervous is how hard it dropped on last downturn and what might come as interest rates go...

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ditto for my most bizarre.

”one in a million, doc. one in a million . . .”

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locums pays for housing while away? big investment for a place to stay about 3 months per year total. nervous about florida real estate now after 2008...

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the above may be true now, but not when the fixed rate goes higher, no?

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agree with this perspective. made a similar choice. i think education should primarily be about personal development, and not attaining a certain caliber...

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part of the 200k spending are mortgage payments, which should go away in the move and cut down spending needs. a risk would be grass being greener and...

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i think the forum banned posting in the third person.

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ibonds are in positive territory today.

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150 better than 0. investment options really that bad?

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yes, this is what you want and part of their role....

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let her go to the higher ups. let them sort it out.

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guess there is exchange rate risk. pension means paid in canadian dollars for rest of life? how do taxes work? can you still do 401k?...

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localities are challenging it, but ca now allows multifamily homes on sfh zoning.

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they call you . . . tim?

hadn’t put much though into the email issue. possible to have a disclaimer in the signature about only being viewable...

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i think the historical data show small value having relatively higher returns (think bernstein noted they drop less hard than large growth in a market...

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did you think about merrill edge? the more you invest with them and/or bank of america, you can reach various tiers with banking and credit card bonus...

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3 years and it doesn’t sound like you will likely stay there. closing costs, risk of value loss, and risk of not being able to sell it in a timely manner...

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point isn’t that christians are uniquely flawed. i fall short of my morals on a daily basis. when vfsax ticks up i imagine that the somali fishing enterprise...

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and prop 13 has certainly has its issues, but more recent propositions do allow for mobility.

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i think if you live in the u.s. and consider yourself a christian and capitalist there is an inherent tension that needs to be reconciled, imo often by...

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there was a newspaper article months back about why canadians weren’t crossing the border again to visit u.s. cities. essentially all the comments from...

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regarding original post, what % of folks using financial planners would have issues with responsible credit card spending, such that if they were incentivized...

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do you find it worth using cash rewards card for travel like flights, rental cars, or hotels? get more back but lose travel or rental insurances....

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the answers are always ibonds and miata....

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one potential psychological issue with 529 is up-spending on education, e.g. child sees how big the 529 is and now is not happy with state school option,...

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amateur hour. gotta add a benzo to the stimmie so those folks can sleep....

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there are those who see pension or annuities as bond replacement. fiphysician and wade pfau books have covered this....

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for me, enough pension/ss/annuity to cover necessary expenses for 20+ years factoring in inflation. equity-heavy retirement account to cover discretionary...

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just be mindful of rationalizing performance chasing. the rebalancing can’t be that much of a headache. maybe sit on it a while.

the arguments...

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chinatown, bruv

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wade pfau’s retirement planning guidebook

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if in-plan roth conversions/rollovers go away, there should still be tax savings for contributing to after-tax 401k versus that money going into a taxable...

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dunno. with child care available for four young kids at home, makes more sense to travel for the job while looking for work closer imo...

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i think consumer reports just dropped reliability ratings for some teslas. worth looking into if you are going to be logging miles.

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don’t know enough about the double taxation topic, it is a true question. but there are a ton of ppl in ca and ny, so if there were any room for transferring...

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depending on how the numbers end up with caps and income limits, this can certainly affect those that are less than “wealthy” in high tax states....

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https://m.youtube.com/watch?v=W3Qn1uHlRIY...

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even bev came out for a comment.

i guess the idea is to persist in courting despite fear of failure will ultimately succeed, like investing...

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and gives back some of the federal revenue that otherwise gets distributed to red states, if one really wants to go there....

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part of the problem is economics is a social science and part of inflation is psychological. people asking for raises or striking, and businesses increasing...

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i think some counterpoints have been still people out of labor force and some of inflation is from fixable supply chain issues, but inflation can be a...

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with all due respect . . .

https://m.youtube.com/watch?v=lQCVf7AnXNY

(language warning)...

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gus chiggins? that you?

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and like gold, a system like btc can never be replicated, which ensures its future value. can’t lose.

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ten years even for a spouse?

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i believe people who have studied it have said the opposite. part of the value of donating is the warm fuzzies of being altruistic, so if you pay people...

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i am picturing toddlers wearing gopro helmets and shock collars, running around the neighborhood with occasional paroxysmal jerks....

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no state deduction so less incentive to overfund.

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maybe a little “one for you, one for me” action going on today . . ....

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smells in here

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there are “breakeven” calculators online for comparing mortgage terms.

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don’t doubt you, kamban, but ethnic diversity (esp extending to asia) in american towns is not the norm.

flying is a pain. driving 2-5...

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they created the infrastructure upon which businesses function.


regarding the roth issue, i read stats in an article that an abysmally...

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what manner of sorcery is this of which you spake?...

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i would never argue the tax burden in ca is low, just that there are some silver linings and incentives in place. right now, there are a good chunk of...

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the number is high, but closer to $1 million, less in most geographic areas. maybe $2 million in a small area around silicon valley....

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i can just see the free textbooks now...

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how many potential investments right now have at least a 1% chance of dramatically increasing in value?

i am still quite ignorant, but as...

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these particular laws are the subject of endless debate. but it does provide more value to buying early and staying long term....

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latest tax laws let you sell your home, buy something same price or cheaper (e.g. to downsize in retirement), and still pay your old property tax amount...

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better than a kick in the teeth.

just a kick in the stomach.

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poor chickens....

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wow, this boring bond thread may just beat the crypto thread for post counts. we need to compete by posting some cool speculative growth graphs, but instead...

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that’s why you want some old fashioned paper ibonds.

”leave the gun. take the ibonds.”...

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it’s a math calculation, not a constitutional problem:

https://rockinst.org/issue-areas/fis...yments-portal/...

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i don’t see people idealizing it in this thread. it has positives and negatives, and for some people the positives outweigh. others don’t come here...

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occupational medicine or part-time? if not, maybe he could do better at kaiser? no noncompetes here....

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if you don’t like what the vhcol has to offer, then it won’t be worth it. truly don’t want a big house, not s positive to me. i value weather, interesting...

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well he said 300k single. quite doable to buy and save 20%, just have to decide if you want it enough with the col tradeoffs. upside is prop tax won’t...

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the government is a complex bureaucracy with people coming in and out of office, which goes against consistency in aim or purpose. tax changes seem more...

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potential problem now may be an inspection would have to stay on record if the deal falls through (at least it does where i am). if your market has buyers...

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agree there is a cost/earnings mismatch and some segment of college students should either reconsider college (versus trade school) or think harder about...

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one question is just how hot is the market? in some places cash buyers are ready to waive inspections.

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i don’t yet have substantial wealth to keep safe, have an income that will be negatively affected by the legislation (which will affect me building...

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you have concerns about one’s wealth not being safe, but the details seem to concern income taxes.

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have to consider the relative upside as well. i am not a huge bond advocate, but it one of bernstein’s books he shows data that there have been substantially...

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i believe the deed would be separate from the mortgage, no?

in a bad scenario if the housing market tanks and you decide to hand your keys...

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resurrect the zombie trolls for halloween!...

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fiphysician on annuities replacing some bonds in retirement:

https://www.fiphysician.com/annuity-when-i-retire/

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another factor to compare is you may be able to put up to almost 60k in a 401k instead of 19500 as w2, but as w2 you may get an employer match.

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i recall around then a neurologist lecturing on pain basically telling us it was completely unacceptable for a patient to be in pain, so it’s our responsibility...

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will just add you can do scheduled withdraws on the website to ease the pain, not sure for how many years it can atretch.

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not sure if it is a definite issue, as it could be for pilots with the faa or military folks.

could consider gabapentin off label instead...

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would also add vhcol is routinely bashed, while the expenses of kids and charitable giving are not seriously criticized on grounds of personal preference....