Investing - Theory, News & General • Point of Roth 401k contributions if...
And if it doesn't, so what?It is only a problem for them since you are not going to pay their bills.KlangFoolI do not think that is an accurate statement. Even if only one spouse works and they have...
View ArticlePersonal Consumer Issues • The cost of car ownership
Cars are pretty cheap as long as you avoid finance and buy something lightly used with a good depreciation curve. I drive a sports car, commonly thought to be expensive. In reality depreciation is...
View ArticleClik here to view.
Personal Finance (Not Investing) • Walking In A Graveyard—What Life...
I don't.I think people overestimate the possibility of getting predictions for an individual that is useful for planning. With regard to inheritance and supposed "good genes," in the Framingham study...
View ArticlePersonal Finance (Not Investing) • What happens to TIAA traditional if...
So all of your 403b money is now at TIAA, correct?And it's all (?) currently invested in TREA (the TIAA Real Estate Fund, *not* the REIT, which is a regular mutual fund?) and in the Vanguard EM Index...
View ArticlePersonal Finance (Not Investing) • How to rollover into 529 & is there a...
We currently meant the threshold for rolling ibonds into a 529 but that’s unlikely to be an option for us next year. We have $20k face value of ibonds that total about $22,000 after earned interest...
View ArticlePersonal Investments • How Much AUM Underperformance Is Reasonable
You are asking the wrong question and too many of the answers gave you terrible advice... Your benchmark should not be the S&P 500 - it is unlikely that that is the appropriate asset allocation...
View ArticleInvesting - Theory, News & General • Shiller PE now near 37 - 3rd highest...
That was then and this now. The entire pension system depends on stocks going up. Back then, the bulk of their investment was actually fixed income and they benefited greatly from the move to ZIRP.But...
View ArticlePersonal Consumer Issues • Looking for Desktop Recommendation....
Yes. Dell uses proprietary PSU, motherboards, and even fans I thnk. Cases aren't standard either.Statistics: Posted by Dukethegator — Tue Dec 03, 2024 8:57 am — Replies 68 — Views 3933
View ArticlePersonal Finance (Not Investing) • Using deferred comp plan to smooth out taxes
Not sure if this is right place to ask, but here goes. I am retired, DW will work for another 2-3 years. She now has the opportunity to particiupate in company's deferred comp plan. Non qualified. Not...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
Bank of America has fixed the problem with adding extenral accounts when you have a checking or savings account. Just added Cash Plus to bill pay. Verification went through today.Statistics: Posted by...
View ArticlePersonal Investments • Is there more to Personal Finance?
A personal finance subject is complex and has a lot of choices. But your personal "answer" is usually specific.For example - "When to take Social Security?" .... after you address your personal data...
View ArticlePersonal Investments • Vanguard brokerage account - cost basis method for...
I opened a Vanguard brokerage account in 2020 and bought VTSAX whenever I had extra money. I never paid attention to the cost basis method because I assumed (without thinking about it) that Vanguard...
View ArticleInvesting - Theory, News & General • Notice this post on the Reddit...
The big boys eat the lunches of the small fry who try to beat the market.But if you view attempts at beating the market as entertainment, then losses incurred are just the cost of said...
View ArticlePersonal Consumer Issues • TurboTax 2024 software offer
Costco deal isn't worth it if you have no use for the TT $10 credit. Glad I snagged the Amazon Friday evening deal. Not I don't have to worry about the after Xmas deal.Worry? On calendar.Will it's a...
View ArticlePersonal Investments • Leaving Vanguard for Fidelity and need your feedback...
They took the transfer fee out of my money market sweep account.Not an answer. Was this MM in your IRA or in a taxable account?Fee deducted from IRA account.Statistics: Posted by finmanjim — Tue Dec...
View ArticlePersonal Investments • Portfolio review - constructing a quality fixed income...
Questions:1. Do I need bonds in the fixed income portfolio? If yes, which bonds? I do have management risk in the 2 private real estate funds on the fixed income side. 2. How to construct a safe &...
View ArticlePersonal Consumer Issues • Advice from people who travel leisurely frequently
The branded credit cards are often at least as useful as the loyalty program itself. We always look at offers when we otherwise have significant spending, anyway.Statistics: Posted by sailaway — Tue...
View ArticlePersonal Investments • [Fear of risk of future political and economic...
My target is 65/35 equities and am retired, but don't rely on the funds to live. I have similar concerns about the economy going forward. Had a session with financial planner recently. He told me that...
View ArticlePersonal Finance (Not Investing) • 2024 Deductible for Medigap Plans F-HD and...
The way the agent stated it, state laws have minimum requirements for GI but insurance companies can exceed the minimum if they want to. Maybe this is just another marketing strategy by UA, to get...
View ArticlePersonal Investments • Yet Another Roth Conversion Scenario
From the Schwab calculator I linked. It adds 6% starting right now, so they have 14 years of gain before the first RMD at 75 is required.And that's the problem - or feature, maybe - of the calculator:...
View Article