Personal Finance (Not Investing) • Life Crossroads - advice request
Also, the weather here is harsh, the bugs bad, and i feel like my kids are missing out on some childhood fun I had that they cant due to local fauna. Cant go swimming in the ponds and lakes here,...
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Investing - Theory, News & General • Asset allocation approaching retirement
Hi Forum,My husband (57) and I (55) are planning to retire in 5 years. Up until now, we've used a 60:40 asset allocation and have been comfortable weathering the storms and up and down markets with...
View ArticlePersonal Finance (Not Investing) • Hackers leak 2.7 billion data records with...
I see a lot of discussion around freezing credit files and placing alerts on accounts and using 2FA etc. However I believe that thinking is out of date. While still good to do regardless, I'd argue...
View ArticlePersonal Investments • Inheriting an IRA... what would you do with it?
That's the feedback I'm interested in...People are trying to give you good advice, because your retirement planning seems kind of haphazard, as you dribble out information about it. You should...
View ArticleInvesting - Theory, News & General • The New 60/40
With respect to the 60/40 (or any xx/yy), I can see some value tilt as long as one can stomach that. For bonds, I can see buying inflation linked bonds along with nominal bonds. Or one can just stick...
View ArticlePersonal Finance (Not Investing) • Please Help me find my ideal town in the...
Southern Oregon fits your criteria - Medford in particular.Statistics: Posted by flyhalf — Tue Sep 10, 2024 10:34 pm — Replies 13 — Views 892
View ArticleInvesting - Theory, News & General • Now that long TIPS yields have...
Long term TIPS yields have continued to fall with real yields from 5 to 30 years around 1.4 to 1.9%Has anyone else thought about switching to I Bonds before the fixed rate (1.3%) resets at the end of...
View ArticlePersonal Investments • How to calculate Churning w/ VTSAX and a few other...
Here is a summary.1. Well over 90% of dividends of VTSAX in the past have been qualified. They are taxed at the more favorable long-term capital gains rate. Here is the 2023 qualified dividend data...
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Personal Finance (Not Investing) • What are the ideal distribution sizes and...
What are the ideal distribution sizes and consumption purposes for making withdrawals from a portfolio? i.e. how much of the portfolio is "wisest" to withdraw each year, and what are the best things...
View ArticlePersonal Finance (Not Investing) • Good Experience with Medicare Advantage...
A few years ago, I was in Canada when I had to have a triple bypass heart surgery. At the time we had Medicare plus Medigap (Blue Cross). As you know, basic Medicare does not cover any overseas...
View ArticlePersonal Investments • Retire From Military or Stay In Longer?
Thank you for your service. I’m not military, but I would make the decision purely based on if you want the bigger pension. We struggle to spend what we have and one thing you never get back is time....
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Personal Investments • Being hard sold a SPIA. Opinions?
I just turned 65 and will collect my first social security check this month. It's not huge due to a variety of factors, but its enough to pay my fixed expenses. In addition, I have accounts at...
View ArticlePersonal Finance (Not Investing) • Amending 5500-EZ EIN
No, leave box 4 blank. The "last return" it refers to would be a prior year's return, not the one you are correcting.Statistics: Posted by toddthebod — Tue Sep 10, 2024 10:51 pm — Replies 1 — Views 68
View ArticlePersonal Investments • Rebalance stocks to index funds - tax implications...
My target would be to keep my net capitals gain around $10k or less in a given tax year. (I am in the 15% tax bracket for capital gains, like most other people)I'm wondering how you chose that...
View ArticlePersonal Finance (Not Investing) • Can I use AOTC for my daughter's nursing...
My situation:1. My daughter is in her third year of college and plans to graduate this year.2. Helping her graduate in 3 years were credits she earned during a gap year program after high-school...
View ArticlePersonal Consumer Issues • Will more attic insulation improve comfort??
I wouldn't do it unless you're uncomfortable now, live in extreme weather, or just really want to for another reason. We had a few energy audits done over the years and the insulation was done for a...
View ArticlePersonal Finance (Not Investing) • Designating a minor beneficiary at Vanguard
The trust can (and probably should) remain the contingent beneficiary. Unless there is something unusual about the trust, the IRA will have the same RMDs whether left in trust or left outright to the...
View ArticleInvesting - Theory, News & General • AlphaArchitect launches BOXX: 1-3...
Those filings appear to be a signal that AA is confident their strategy will withstand legal/regulatory/legislative scrutiny. Or maybe they're just poking the bear!Really pretty wild that they are...
View ArticlePersonal Consumer Issues • Good Modern Science Fiction
+1 WoolI watched the TV show "Silo" (Season 1...only one season out so far), and really enjoyed it.I did not know it was based on the novel "Wool". This is the first I heard of the novel.For those of...
View ArticlePersonal Investments • Best Small Cap Value ETF? (AVUV, DFAT, RZV, VBR)
Hey guys, surprised nobody mentioned ISCV? has the lowest SCV ER, and seem smaller than VBR and just as valuey. I am just sticking to VBR because despite ISCV being 1bps less in cost, it's not as...
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