Personal Consumer Issues • What are you listening to now
Talking Heads mix. Stop Making Sense was the second CD I bought back in 1985. First was Tricycle by Flim and the BBs.Statistics: Posted by Taz — Sat Aug 24, 2024 6:51 pm — Replies 6586 — Views 758325
View ArticlePersonal Finance (Not Investing) • Slott: The Big Retirement Myth
I am a victim the yearly returns being much larger than I expected.I retired in 2016 at age FRA age of 66, with $1M in deferred. Before RMD's started, I started taking 4% of the initial deferred...
View ArticlePersonal Investments • The classic: Can I retire (early) ?
$2 million will support $80k a year and you need $95k plus health insurance which can easily run you $20k/yr (probably less if you can structure you income and get a subsidy.) all this means you can’t...
View ArticlePersonal Investments • Taxable + Roth IRA Check-Up: How am I doing?
I have a question on my Roth IRA. I have about $50K in it, split between SCHG ($42K) and SWYOX ($8K- TDF 2065 Index). The SWYOX has a 20% turnover ratio. this is making me consider rebalancing my Roth...
View ArticlePersonal Finance (Not Investing) • Any proven/reliable/legal way to turn a...
Luckily for you, Best Buy cards have about the highest resale value of any gift cards out there. Raise.com is probably the most reliable platform to sell them.Statistics: Posted by ZinCO — Sun Aug 25,...
View ArticlePersonal Consumer Issues • Car batteries: Any experts here?
That reads that it is calculated to put less lead in and/or create x amount of sulfation at a given point.But it may be more or just as beneficial business wise to hide fill ports, discourage...
View ArticlePersonal Finance (Not Investing) • Incorrect Roth In plan conversion done by...
I am having quite a sweaty weekend myself. But I am confident, since I had the agent speak out the conversion dollar amount.I think it will all work out perfectly fine. Like others, I do multiple...
View ArticleUS Chapters • Post your Financial Milestone Announcements Here
mine and DW’s student loans are paid off! Definitely a huge weight lifted off our soldiersCongratulations!Statistics: Posted by Stinky — Sun Aug 25, 2024 7:00 pm — Replies 3889 — Views 634512
View ArticlePersonal Investments • Disadvantages of Buying a Specific TIPS Issue 3.875%
Thanks BirdFood! I probably need to buy one on Monday and work backwards to figure this out.I know that I'll probably pay $2K for a $1K TIPs. Wouldn't I get interest on the $2K?Wouldn't the inflation...
View ArticlePersonal Investments • Distributions "Income" column meaning?
If you hold these shares in a taxable account, most all of this income will be taxable at the qualified dividend tax rate which is lower than the ordinary income rate and would be 0 if your marginal...
View ArticleInvesting - Theory, News & General • Rule of 55 Question
There was a simple way to take out your own contributions, pay tax on it but no penalties.Not sure just what that would be. Too bad you don't remember the details. I don't remember the details, but it...
View ArticleInvesting - Theory, News & General • Frec - Low Cost (0.10%) S&P500...
Seems like the rebalancing would cost more in tax than you would save in tax loss harvesting. Another solution in need of a problem, IMO.Or one could just let the index drift a little and "rebalance"...
View ArticlePersonal Finance (Not Investing) • Car : Hit & run - bad damage - next...
My son's new-ish car was parked on the street (legal, side street) & hit by a hit & run driver. Bad damage. Thinking out loud about next steps with insurance, body shop, etc. and wanted to run...
View ArticlePersonal Investments • Should my emergency fund be apart of my Asset Allocation?
My net worth is currently fluctuating between $200k and $300k in a Vanguard Taxable Account in the asset allocation listed below. I currently keep 6 months to 12 months of monthly income ($27,149 to...
View ArticleInvesting - Theory, News & General • Mirrored Asset Location and Band...
Thanks.What if the choice is not paying tax to rebalance the taxable account in this situation, but either redirecting new funds to the lower asset class (even though, in the overall portfolio, this...
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Personal Consumer Issues • What Movie Have You Recently Watched?
"The 39 Steps" - really enjoyed it, thanks for the rec. Hadn't even realized it was a Hitchcock film. Had I known, I would have watched earlier. But what? No Hitchcock cameo? (Or maybe I just missed...
View ArticlePersonal Investments • Tactfully Leave Financial Advisor
—I could probably block their access through Schwab, and I'll look into that. That seems kind of brusque, but maybe not. I tend toward being overly nice.—The 30 day notice is for both parties, and the...
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Investing - Theory, News & General • Now that long TIPS yields have...
I guess you "pays your money and takes your choice"!WrenchOr chances. Statistics: Posted by Stubbie — Sun Aug 25, 2024 7:07 pm — Replies 3606 — Views 876712
View ArticlePersonal Finance (Not Investing) • Insurance companies for Home and Auto -...
Was told my insurance won’t be renewed with State Farm due to too many claims. Looking for another good insurance companies. Any one out there that is an expert on home and auto insurance and knows...
View ArticlePersonal Investments • Please Pressure-Test the Retirement Plan
Pension Income: $230K/yr @62Deferred Comp: $75K/yr from ages 62-72SocSec: $54%/yr @70Portfolio: $120K/yr (4% SWR on $3M balance)Total Income: $425K/yr from 62-70; $420K/yr from 70-92Expenses: $240K...
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