Investing - Theory, News & General • Can you do better than BND, Part 2:...
McQ this is a great article!I run a 3 fund portfolio (80% stocks/ 20% bonds) 60/20 domestic/intl stocks split and my bond portion is in the intermediate treasury fund. It occured to me a decade ago...
View ArticlePersonal Finance (Not Investing) • To get inheritance from an IRA I have to...
But you will be investing with them. The cash/settlement account is technically a investment.This triggers IRS reporting snd money laundering reporting.Besides, I have seen people make similar...
View ArticlePersonal Finance (Not Investing) • how much do you think you need to retire?
$3 million (or any $million) can become half that in a decent bear market. Make sure your $million will not be cut in half when you can't afford it to be.Can? DefinitelyBut most I would guess are not...
View ArticlePersonal Investments • What the highest ER you will consider
For core holdings under 10bps.For complimentary holdings, up to 25 bps.That said, I have one at 25 now that I am considering switching because Vanguard has a similar fund much lower, and I am starting...
View ArticleInvesting - Theory, News & General • iShares launches Target Date Index ETFs
bid/ask spread is one indicator for liquidity, but not the only indicator. Average volume (daily or 90-days) is another indicator. And, most importantly, AUM is perhaps the predictive indicator when...
View ArticlePersonal Investments • Vanguard Ultra Short Term Bond Fund
I am encountering a redemption issue at Fidelity. Too. A t-bill matured and is processed and show up in the history but the money does not show up in the account. Fidelity claims it can take up to 10...
View ArticleInvesting - Theory, News & General • VFSUX March End of month dividend...
On Vanguard's page listing this fund's distributions, it clearly lists the most recent dividend, with a reinvest date of 3/28/24 and payable date of 4/1/24. Maybe previous distributions were paid a...
View ArticlePersonal Investments • Equiy Indexed Annuity using retirement money
Another way many of these insurance companies get you is their limit on gains is PER MONTH.Like they say, 12% max per year... But it's really 1% per month.So, this past month, we've made like 4%, but...
View ArticlePersonal Consumer Issues • How to avoid getting ripped off on urgent home...
I think you acted appropriately given your situation. Being confident in the work is worth A LOT of money to me. Also id rather pay a ton for an emergency call than know my plumber on a first name...
View ArticlePersonal Investments • Income from an Inherited Annuity
I wonder how to think of this annuity income. I had to spread out my distribution from 2 of my father's annuities over 5 years. I could have conceivably taken it all in a lump this year or next, but...
View ArticlePersonal Consumer Issues • Negotiating with Neighbor on a Fence
Isn’t a property survey part of the process when purchasing a property? Where we live, the survey is included in the fees charged & I’m not sure if the cost is the responsibility of the seller or...
View ArticlePersonal Finance (Not Investing) • University California reducing pension...
How sad for these employees who worked for less pay than their private-sector peers, with the pension benefit to themselves and their beneficiaries being the main reason to have worked in the...
View ArticlePersonal Finance (Not Investing) • HSA contributions of 2022 resulting in...
Thanks a lot again! I am clear now.Statistics: Posted by johnkgan — Fri Mar 29, 2024 11:01 pm — Replies 23 — Views 1927
View ArticlePersonal Finance (Not Investing) • Setting up a trust
This doesn't really make sense to me. I don't think the "stretch" payout is an option anymore.Generally, an eligible designated beneficiary may use the lifetime distribution rules that were in effect...
View ArticlePersonal Finance (Not Investing) • Selling home - receive proceeds by wire...
When we sold our home and then bought a new home our only option for both transactions was to transfer by wire. No other option was allowed.Statistics: Posted by Nicolas — Fri Mar 29, 2024 11:06 pm —...
View ArticlePersonal Finance (Not Investing) • Seeking advice: card charged 9 months late
You signed for it so the cardholder agreement is applicable. You could read that. If you do, try reading it around bedtime. Should put you right out.Statistics: Posted by whodidntante — Fri Mar 29,...
View ArticlePersonal Finance (Not Investing) • Odd pricing of USAA Home Insurance
I’m not understanding all your logic but I would be very careful about assuming you can forgo some home insurance coverage just because you have an umbrella policy. I am not sure those policies...
View ArticlePersonal Investments • New member - first questions!
What category would investment real estate fall in? Do we exclude it from a 60/40 portfolio?Real Estate Investment Trusts (REITs) behave like stocks and have a correlation of 0.76 on a scale from -1...
View ArticlePersonal Finance (Not Investing) • Tax Question on Zero Coupon Bond - FreeTax...
So I finished my taxes a while ago and I had to manually adjust this on my state taxes. I think this has to do if you buy on secondary market for something other than the original principal amount...
View ArticlePersonal Finance (Not Investing) • Robinhood 3% Rewards Visa Card
Tell me more. If they give me a $10,000 credit limit, can I charge $10,000, pay the card $10,000 the next day then, after it posts, charge another $10,000 in income tax and get the full $600 (3%) in...
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