Personal Investments • SPIA rate lock?
I'm in the process of purchasing a SPIA. Quotes have a "rate lock," but when I look at the quotes I don't see an interest rate per se. The only thing I see is an "Income as % of Premium" rate. Is that...
View ArticlePersonal Investments • Asset location - gold/silver etf and miners
I am thinking that it will be better to have something with an expected higher long term return (stock fund) instead of gold/silver to take advantage of the tax free Roth. With that in mind, I am...
View ArticlePersonal Consumer Issues • Best practices for selling vehicle on Craigslist?
I'm surprised by the contention that Carvana is competitive with selling the car privately. That hasn't been my experience at all. Carvana offers close to what a dealer would offer (maybe slightly...
View ArticlePersonal Investments • 10k to invest in brokerage account/ looking for advice
My son, when 19, put the max in a Roth IRA in VTI, that's what some of his friends were doing, he won't be touching for at least 40 years where it and any appreciation will be able to be used used tax...
View ArticlePersonal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?
Well this would be a gamechanger:https://www.usbank.com/credit-cards/ban ... OTHI_72833Thank you for this. Looks interesting.Statistics: Posted by 3000 — Tue Sep 03, 2024 9:04 pm — Replies 7387 —...
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Personal Investments • Spending down cash in a stock market downturn - does...
On the other hand, we often think of 2000-2003 (the tech crash) and 2008-2009 (the global financial crisis) as two separate bear markets, but in Morningstar's scoring, inflation-corrected and...
View ArticlePersonal Finance (Not Investing) • Question on FBAR and repatriating money to...
I don't know of any tax on bringing money into the US. However, if you are a US resident or citizen, I'm pretty sure you owe the US tax (presumably LTCG tax) on the sale proceeds of $50k, and you can...
View ArticlePersonal Investments • Advisor Models
Putting dividend stocks in taxable and growth in IRA is completely backwards. Costing you a lot of unnecessary taxesDividends were only about 2% last year in total from the "Dividend" model account...
View ArticlePersonal Investments • Roth 401K vs Traditional 401K
At 12% tax rate, I would do Roth. With traditional, you are only saving 12% tax now. That’s basically the bottom, so you can’t really be in a significantly lower bracket later. The tax savings isn’t...
View ArticlePersonal Investments • Retiring in 6 months (off TSLA options); Plan Review;...
OP, why are you still in the Casino when you have enough? Very risky to assume NVDA will just go up forever. Hasnt hit its high in months now.Maybe you already know all this, but here's why he's in...
View ArticlePersonal Investments • 20 years out from retirement, currently hold 10% EDV...
Does anyone here still hold EDV (Vanguard Extended Duration Treasury ETF)? The topic of long term treasuries has been scarce here since 2021. I currently hold 10% EDV and 5% VIPSX (Vanguard TIPS) in...
View ArticleInvesting - Theory, News & General • Domain name investing
I had a friend do this in the 90s. He lost every penny he "invested". I expect you will face the same fate, hopefully it was a trivial amount for you and a lesson learned.Statistics: Posted by Exchme...
View ArticlePersonal Finance (Not Investing) • Sanity Check: CMA and Credit Card Plans
I know I've posted about similar plans before. I'm just thinking through variations on the theme. What do you think? Is this an obviously bad idea or is there some significant factor I'm overlooking?...
View ArticleInvesting - Theory, News & General • Question on mechanics of bond funds
Sure, if you want to spend all the money in year 5.5, buy the single bond that matures then. You're matching your cash flow plans and the duration of the fund.However, if I want to spend a portion of...
View ArticlePersonal Finance (Not Investing) • I got my tax refund today--and it doesn't...
Hasbro really ought to retire the "Bank Error In Your Favor--Collect $200" Community Chest card in Monopoly. It teaches a misleading lesson. Either that, or add a rule that you need to pay the $200...
View ArticleInvesting - Theory, News & General • Dividend yielding stock total return...
(Shrug) We argue about dividend stocks all the time in this forum. It's my belief that dividend stocks have about the same total return as the rest; that a dollar is a dollar, and a dollar in...
View ArticlePersonal Consumer Issues • Kettlebells
I suppose that would workBut then again, lots of 2nd best compromises work. But 1st best solutions are still better if availableIt's not a compromise or 2nd best. It's better. Obviously you've never...
View ArticleInvesting - Theory, News & General • "Order collaring" at...
What does RH do for an after-market market order to sell? Is it a limit order that is 5% below the closing price?Anyways, folks on bogleheads.org are probably not buying or selling "a bunch of small,...
View ArticlePersonal Investments • Inherited 401k
A non-spouse cannot hold an inherited TSP account. You can roll it into an inherited IRA or take the lump-sum distribution.https://www.tsp.gov/for-beneficiaries/b ... ributions/Statistics: Posted by...
View ArticlePersonal Investments • my experience so far setting up Fidelity CMA
Now that some time has passed, things are going quite smoothly for me with my Fidelity CMA (knocks on wood.) No more waiting periods (beyond the expected couple of days for an EFT to process.) Maybe...
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