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Investing - Theory, News & General • Buffered ETF's
I am hoping to not pay income tax on 85% of my SS, but I'm starting to think that's a futile quest. There are worse problems to have. Statistics: Posted by GaryA505 — Thu Jul 25, 2024 11:57 am —...
View ArticleInvesting - Theory, News & General • 2025 401k Contribution Limits
Is there any idea/forecast as to what 2025 401k Contribution Limits will be?It will most likely be $23,500. We would need >4% inflation annualized for the next few months to get to...
View ArticleInvesting - Theory, News & General • You can save too much for retirement
Saving before and in retirement can pay off in many ways. "Too much?" I dunno, as long as you are able to maintain your desired style of living, as well as insure against unknown risks or events --...
View ArticlePersonal Consumer Issues • EV value over time
I own a 2021 Chevy Bolt EV, higher trim level. I don't personally look at a car as a store of value, like a retirement account or a home. In a general way, cars are a "wasting asset." I try to keep my...
View ArticlePersonal Finance (Not Investing) • IRS Final Regulations 10-year rule for...
The IRS final rule on inherited IRAs is that an IRA account must be fully distributed in 10 years (except for some beneficiaries), and that annual distributions must now be taken based on the...
View ArticlePersonal Investments • Taking over father in law's finances - sell individual...
I would just hold them as is, but monitor the accounts to ensure that nothing untoward is happening.Best wishes.Statistics: Posted by Doom&Gloom — Thu Jul 25, 2024 12:07 pm — Replies 10 — Views 545
View ArticlePersonal Finance (Not Investing) • Bank of America/Merrill Edge - Preferred...
Thank you all for the feedback and suggestions! Very insightful, and I'll have to think more on if I want all my cash at one institution. I hadn't really considered problems like that before.Good to...
View ArticlePersonal Investments • SEP to Roth IRA conversion to start 5-year rule clock?
The Roth IRA 5 year clock can only be started with a Roth IRA contribution (either regular, conversion, or rollover from an employer plan). Let's assume that once you reach 59.5, your Roth 401k will...
View ArticlePersonal Finance (Not Investing) • What if I’m Not dead but not really with...
I'm grateful for threads like these because they discuss many different scenarios that could/will occur, even though we can't follow most of the suggestions. I am 83 and DW is 79, but we can't do a...
View ArticlePersonal Consumer Issues • When to buy Extended Warranty on a New Car....
You're essentially betting you will have in excess of of $4500-6000 in warranted repairs. Consider you buy a policy at a cost of $5000, and you need $5200 in repairs during the warranty period, you...
View ArticleInvesting - Theory, News & General • Psychological impact of dividend...
What don't people get about Personal Finance? I was happily invested in Tax Managed funds during my working years. Unfortunately, I had to sell them due to family crisis during the Great Financial...
View ArticleInvesting - Theory, News & General • Very short term TIPS
Though maybe you're saying they're anomalous even after taking that into account?Yes, they seem noticeably too high, if we assume 2-ish % inflation adjustments.Statistics: Posted by psteinx — Thu Jul...
View ArticlePersonal Finance (Not Investing) • Purchasing a home with a Leased (Solar...
The sellers made a poor decision to lease the panels. This was back in the day of door-to-door marketing by Solar City, right before they were bought out by Tesla. It was common enough so their spiel...
View ArticlePersonal Finance (Not Investing) • The process of how much to save for...
Yes, getting the spending side is a good idea, but it's rare that people know how much they spend. It often become a non-starter. Perhaps it may be best to see if you can just get the other person to...
View ArticleInvesting - Theory, News & General • International (Non-US) versus US...
You’re assuming 6% is a worst case scenario and it is not. No I'm saying 6% a year for a 20-year period WAS the worst case scenario in the past 40 years.That's pretty good... Every other 20 year...
View ArticlePersonal Finance (Not Investing) • Teen wreck - insurance question
So my 16yo was driving to work and swerved to miss someone coming in her lane. Went off the road and hit a road sign - I guess the sign got hooked on the side and ripped off the paneling and...
View ArticlePersonal Finance (Not Investing) • Florida Home Insurance
I removed a contentious interchange regarding "weather vs. climate change". The discussion was derailed. See: Non-actionable or Trolling TopicsIf readers can't do anything with the content of a topic...
View ArticleNon-US Investing • Asset allocation in current environment
What rates are you talking about? The ten year was in the high 3% range at the beginning of year, went up about 100bps, and now it’s back to about 4.25%. It’s still higher than the beginning of the...
View ArticleInvesting - Theory, News & General • The Three-Fund Portfolio
What are people’s thoughts on total bond funds (BND) vs. TIPS (VAIPX)? My wife and I only use BND currently, but have both options available in our tax deferred accounts. I’m struggling if we should...
View ArticlePersonal Consumer Issues • Yubikey only at Vanguard now possible.
What happens if the yubikey is lost or stops working? What processes exist for the user to setup a new key and what would prevent a bad actor from doing that under a false pretense?Yubikey works great...
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