Personal Investments • How to calculate Churning w/ VTSAX and a few other...
I'm trying to understand how much an index fund like VTSAX (Vanguard Total US Stock Market) churns each year. Meaning, if all I do is buy and hold that fund, how much "realized gain" is generated by...
View ArticlePersonal Investments • National Life and Appreciation Financial: Good or Bad?
What I decided to do was rollover my CalSTRS pension into a rollover IRA account...When you say "CalSTRS pension" are you referring to the supplemental plan that you currently have invested with...
View ArticlePersonal Consumer Issues • Hybrid SUVs
Buy a Rav4 Prime. Well, actually lease it since Toyota will give you $6,500 off the lease price and you can buy out the lease in a month or two. Then, Colorado will give you a $5,000 tax credit (no...
View ArticlePersonal Finance (Not Investing) • Payable on death (POD) accounts
Thanks again, bsteiner!I have a revocable living trust.My lawyer recommended that I list my primary beneficiary of my IRA (wife) as POD, and list the trust as the contingent beneficiary.But not on...
View ArticleInvesting - Theory, News & General • Wiki - Prioritizing investments...
Edit add: found your post on backdoor AOTC - glancing through it - sounds complicated indeed. viewtopic.php?t=412052The main complication is filling out the 8606 form. The rest of it is pretty...
View ArticlePersonal Finance (Not Investing) • Auto liability insurance
Question. If I let someone drive my car, and they have an accident, I know the damage is covered by the car's insurance (mine). What about injury? If that driver injures someone, is it covered by the...
View ArticlePersonal Investments • Home for cash before tax-advantaged investing
...keeping it in a MMMF until we actually pull to supplement our paychecks...over the next ~18 months....Yes, money that you expect to spend in the near term should be invested...
View ArticlePersonal Investments • Wife In Hospice Care, Should We Take Remaining RMD?`
Assuming you are the beneficiary, you can take the remaining RMD after the account passes to you.How does this work tax wise? We're in this situation now where DW's dad passed. My calculations and our...
View ArticlePersonal Finance (Not Investing) • Pension payout options plus Term Life...
Then why do you feel you need life insurance? Which is not inflation adjusted and so loses purchasing power each year. To cover the worst case, we retire early and spouse with pension passes away...
View ArticleClik here to view.
Personal Consumer Issues • What are you listening to now
I’m not familiar with his post-Zep work though I know it exists. I see he doesn’t sing bare-chested anymore He was with the Honeydrippers in the 80s. Totally different style than Led Zep. He was...
View ArticleInvesting - Theory, News & General • Did Schwab Fraud Protection...
Interesting video. Should Schwab with their Fraud Protection Guarantee cover this?Fraud Protection Guarantee at SchwabNo. And even though the video agrees, I am not crazy how the man in the video says...
View ArticlePersonal Investments • Anyone Glad they took Social Security Early?
They can know if they made the financially worse choice because that line will be crossed if they are still alive past the breakeven point.Not necessarily. How about if they invest the money they get...
View ArticlePersonal Investments • Rebalance threshold
It’s personal preference, no hard and fast rules. I choose smaller limits because I don’t like to make big transactions and I don’t mind making more transactions.Statistics: Posted by rkhusky — Wed...
View ArticlePersonal Finance (Not Investing) • Is Home Insurance worth it?
Gambling is when you pay a little amount of money with an expectation of large payout. No, that is not the definition of gambling. Neither the magnitude of the bet nor the payout is relevant - and...
View ArticlePersonal Finance (Not Investing) • Medigap Plans and major expense
AARP UHC is really not community priced.They give you a big discount up front and then reduce it a little each year.So, your premium goes up due to your age each year - that is normally called...
View ArticlePersonal Finance (Not Investing) • Car : Hit & run - bad damage - next...
OK, so the first estimate from the SF-approved body shop came back at $15.7K (gross of my son's deductible). I think, given a quick look/analysis, that retail on the car (used, comparable mileage,...
View ArticlePersonal Investments • Farmland
I built an Excel spreadsheet with monthly cash flows spanning 40 years. I can adjust inflation (regular and medical separate), SS Cola, portfolio returns (IRA, and brokerage separate), farm returns,...
View ArticlePersonal Investments • Talk me into paying off my debt
A political comment has been removed. As a reminder, this is a no politics zone. See: Politics and ReligionIn order to avoid the inevitable frictions that arise from these topics, political or...
View ArticlePersonal Finance (Not Investing) • Does Vanguard allow a third beneficiary?
I'm not sure how the rules work, but what if it's 99% to the trust and 1% to the child? Do the rules work out so that if the trust "fails" it would get allocated to the other beneficiaries?This is an...
View ArticlePersonal Finance (Not Investing) • Is this how little I need to retire?
Since you mention a W2 you are probably getting health insurance through your employer. That won't be the case in retirement.That's true, looks like health coverage would add another 6k a year. Thanks...
View Article